Home loans
Home Loans
Buying a home in Adelaide? Let's find a loan that fits.
Whether it's your first home or your next, we compare loans across our panel of lenders and handle the legwork — from pre-approval through to settlement.
Who it's for
- Owner-occupiers buying an established home or building
- Upgraders and down-sizers moving to a new property
- Buyers who want someone to compare options for them, not just one bank
How Rejoice helps
- Work out a realistic budget and borrowing power before you start looking
- Compare rates, fees and features across our lender panel
- Manage the paperwork, lender questions and pre-approval
- Stay with you through to settlement and review the loan down the track
The process
How home loans work with us
- 1
Goal & budget chat
We map what you want to buy and what you can comfortably afford.
- 2
Compare lenders
We shortlist loans on our panel that suit your situation.
- 3
Pre-approval & application
We prepare and lodge the application and guide you to formal approval.
- 4
Settlement & review
We coordinate settlement and check in on your loan over time.
Good to know
Home Loans — common questions
How much deposit do I need for a home loan?
Many lenders look for around a 20% deposit to avoid Lenders Mortgage Insurance (LMI), but loans are available with smaller deposits — sometimes from around 5% — often with LMI or a guarantor. We'll talk through what's realistic for your situation.
What's the difference between pre-approval and formal approval?
Pre-approval (or conditional approval) is an indication of how much a lender may lend you, subject to conditions. Formal (unconditional) approval comes once the lender has assessed the specific property and your full application.
Should I choose a fixed or variable rate?
A fixed rate gives certainty over repayments for a set term; a variable rate can move up or down and usually offers more flexibility (extra repayments, offset, redraw). Some borrowers split their loan. We'll explain the trade-offs for your goals.
Explore
Other ways we can help
Ready to see what's possible?
Start your enquiry online or book a chat. It's free, friendly and there's no obligation.