Kent Town head office · Australia-wide
National mortgage broker based in Adelaide
$2bn
Settled
5,500+
Clients
50+
Lenders
5.0
350+ reviews
Brokerage & Co is a national brokerage based in Adelaide with its head office in Kent Town, South Australia.
Some brokers charge for their advice. We expressly do not. Our service costs you nothing, and our advice is built on education, transparency and the right structure for you.
Whether you are buying your first home, refinancing a loan that no longer earns its keep, or structuring the next investment, you deal with our nationally accredited broker team from first chat to settlement, and long after it.
Different by design
What Brokerage & Co does differently
There’s no shortage of mortgage brokers in Adelaide, and they work in different ways. We built Brokerage & Co to prioritise relationships. We’re small enough that the broker you meet is the broker who runs your file from first chat to settlement, and structured enough that a team of qualified brokers, each with a real specialty, is supported by a credit team engine that can’t be matched by independents.
If you’re comparing brokers right now or searching for the best mortgage broker Adelaide has to offer, our honest suggestion is to weigh each one on three things: the strength of their client support, their strategic and specialised approach and whether their clients still hear from them after settlement. The rest of this page answers all three for us. For the questions worth putting to any broker you meet, read our guide on the 6 questions to ask your mortgage broker.
“Never a file number, but a client for life, from the very first conversation.”
- Your broker throughout the first conversation to settlement, and beyond
- Advice at no cost to you, ever: we are paid by the lender, and we disclose it
- Specialist brokers with extensive knowledge of the finance market and the nuances around specialist circumstances, including first home buyers, self-employed, trades, medical professionals, investment and commercial
- Quarterly home loan health checks for the life of the loan
The part most people ask first
Our advice costs you nothing
Some Adelaide brokers now charge an advice or engagement fee before they will look at your situation. We expressly do not, and we never have. When your loan settles, the lender pays us a commission. We always work in your best interest, with a focus on education, transparency and getting the structure right.
That is not a promotion or a limited offer. It is how the business has worked since day 1, because we think advice you have to pay for before you can judge it is a poor way to start a relationship built on trust. Ask us anything, as often as you like. The bill never comes.
The panel
What 50+ lenders means for you
Every broker mentions their lender panel. Few explain why it matters. Here is the plain-English version: lenders do not assess you the same way. One lender might read a nurse’s shift allowances as full income while another discounts them. One is comfortable with a 2-year-old ABN, another wants 3 years of returns. One values an apartment in Norwood generously, another applies a haircut to the same property.
A narrow panel means your application gets shaped to fit whichever lenders the broker happens to hold. A panel of more than 50 lenders, majors, second-tier banks, credit unions and specialist non-bank lenders, means the search works the other way around: we find the lenders whose policy already fits your strategy, then compare what they offer. Same borrower, different outcomes, which is also why any online estimate, including our own borrowing power calculator, is a guide rather than a verdict.
50+ lenders compared, from the big banks to the specialists
What we sort
Every kind of lending, under one roof
Home loans are the heart of it, but they are rarely the whole picture. These are the loan categories Adelaide clients bring to us most, each with its own specialist on the team.
First Home Buyer Loans
Buying your first place is confusing enough. We'll sort the grants and schemes you qualify for and translate the rest as we go.
Owner Occupier Loans
Moving up or moving on. We'll run the numbers on buying first versus selling first, then get the timing right.
Refinance Your Home Loan
Stop paying the loyalty tax. A better structure can change everything.
Investment Loans
Set up the next purchase so it works with what you already own, and leaves room for the one after that.
SMSF Property Loans
Buy property through your super fund, structured strategically and always compliant.
New Build Loans
Construction finance that pays out in stages, matched to the build so you're never ahead of the work.
Self-Employed Home Loans
ABN income isn't a problem. It just needs a specialist broker who knows how to put it in front of the right lender.
Trades & Construction Finance
The house, the ute, or the next stage of the business. Sorted by our specialist broker who's actually been on the tools.
Car, Ute & Equipment Finance
The ute, the trailer, the gear. Financed on its own, so it never touches the home loan.
Medical & Allied Health Loans
Lenders compete hard for your profession. We'll track down the perks.
Business & Commercial Finance
Cash flow, premises, growth capital. Funding that fits the plan.
Not sure where you fit?
See who we help and find the path that matches your situation.
Who we help
How it works
4 steps, start to settled
01
Book a conversation
Call, send an enquiry or drop into the Kent Town office. The first chat costs nothing and carries no obligation: it is simply the 2 of us working out where you stand and what you are trying to do, whether that is a first home, a refinance or the next investment property.
02
We scope the right structure
We look at your income, deposit, debts and goals, then compare options across the panel. You get the choices explained in plain English, with the trade-offs of each spelled out: fixed against variable, offset against redraw, loan splits, guarantor options. You decide, informed.
03
We run the paperwork
Application, supporting documents, valuations, lender follow-ups: we handle the lot and keep the file moving. You are never left wondering what is happening, because we tell you where things sit at every stage rather than waiting for you to chase us.
04
Settlement, then aftercare
We coordinate with your conveyancer through to settlement day, and that is where most brokers stop. We do not. We review your loan regularly, go back to the lender on your behalf when your position deserves a sharper look, and stay your first call for whatever comes next.
Kent Town, Adelaide
Why locals choose us
Our office sits at 15 Fullarton Road in Kent Town, a few minutes from the CBD and around the corner from the Norwood Parade. Many of our clients come from the eastern suburbs, Norwood, St Peters, Kensington, Burnside and surrounds, though we work with clients across all of Adelaide, South Australia and expanding fast across the country.
Being local matters more in lending than people expect. Knowing how valuers treat a character cottage in Maylands against a new build in Mount Barker, which SA grants and stamp duty concessions a first home buyer may be eligible for, and what settlement timelines look like with Adelaide conveyancers. You can read more about how we work on our about page.
Visit or call
Call, send an enquiry or visit our Kent Town office. We’re always ready to start a chat, whether that is a first home, a refinance or the next investment property.
- Office: Suite 16, 15 Fullarton Road, Kent Town SA 5067
- Phone: 1300 941 446
- Hours: 9am to 5:30pm, Monday to Friday
Meet your brokers
Brokers who care long after settlement
Our brokers genuinely love finance. But what they care about most is being there for clients long after the loan settles. That’s the common thread across the whole team, and it runs deep.
Sergio Stefano
CEO & Head Broker
FBAA State President SA/NT
Dean Freda
Finance Broker · Tradie Specialist
Ex-electrician, 13 years on the tools
Fedi El-Daher
First Home Buyer Specialist
Alex Krzystoszek
Medical Professional Specialist
Arion Meakin
Finance Broker
Want the full stories? Meet the whole team.
350+ Google reviews · 5.0 rating
What clients say
“Overall our experience with Brokerage & Co has been a great one. We've had excellent communication throughout the process of obtaining our home loan, we have been updated at every step, which has been great as it can be a long process, so it's been so good knowing where we are at for each stage of the journey, as well as fantastic customer service from the team. Thank you.”
“WOW!! Sergio & his team delivered nothing but exceptional service. Application completed and approval received in days.”
“Outstanding service. No question was too much and no call was ever a bother. His response time reflected his work ethic.”
Do your own homework
Tools before you talk to anyone
Run your own numbers
Try our 8 free calculators covering repayments, borrowing power, offset, extra repayments and SA stamp duty. Results are estimates for general guidance only, not advice or a quote.
Comparing brokers right now?
Take our guide with you: the 6 questions that separate a broker worth your time from the rest. Put them to us too, we will happily answer every one.
The information on this page is general in nature and does not take your personal circumstances into account. Your full financial situation and needs will be considered before any credit product is recommended.
Mortgage broker questions, answered
How much does a mortgage broker cost in Adelaide?
Some brokers charge a fee for their advice. Brokerage & Co expressly does not. Our service costs you nothing: we are paid a commission by the lender once your loan settles, and we disclose that commission to you in writing before you commit to anything. You get the comparison, the advice and the paperwork without ever receiving a bill from us.
Why use a mortgage broker instead of going straight to my bank?
Your bank can only offer its own products, and it is under no obligation to tell you when a competitor would suit you better. A broker compares options across a whole panel of lenders, more than 50 in our case, and is bound by a legal best interests duty to act in your interest, not the lender’s. You also deal with 1 person who knows your file from start to finish, rather than a call centre queue.
How many lenders do you compare?
Our panel covers more than 50 lenders: the major banks, second-tier and regional banks, credit unions and specialist non-bank lenders. Breadth matters because every lender assesses income, deposits and property types differently, so the right fit depends on your circumstances rather than on 1 brand’s rulebook. We're also part of a small group of brokers who've earned Elite status with our lenders, which means faster turnaround times and priority handling for your loan.
How long does the home loan process take?
It varies with the lender, the loan type and the complexity of your situation, so we never promise a timeframe we cannot control. Straightforward salaried applications tend to move faster, while self-employed and construction loans usually take longer. What we do control, we keep tight: we respond promptly, prepare your file so it is right the first time, and chase the lender so you always know exactly where things sit.
Do you handle self-employed borrowers?
Yes, and it is one of our strongest areas. ABN income, lumpy cash flow and alt-doc lending are familiar territories. We know which lenders read self-employed income sensibly and how to present your figures, so they settle properly.
What areas do you service?
We're a national brokerage with head office based at 15 Fullarton Road, Kent Town, a few minutes from the Adelaide CBD and the Norwood Parade. Our office is open to client visits but equally well set-up for video calls, whichever suits you best.
In your corner
Our advice comes at no cost to you. Call now, or send an enquiry and we will come back to you.