Services
Most people come to us not because they need a loan — but because they want to make better use of what they’ve already built. Whether that’s equity in a family home, a structure that no longer fits, or a plan to buy the next property, the right advice at the right time makes a meaningful difference.
If you own a home and have held it for a number of years, there’s a reasonable chance you’re sitting on equity you haven’t fully considered. For many Adelaide homeowners, that equity is the stepping stone to a first investment property.
The question isn’t just whether you can access it — it’s how to structure the lending so your home loan and investment loan work together, not against each other. Get the structure wrong and you can limit your future borrowing capacity, complicate your tax position, or lock yourself into a product that doesn’t flex as your portfolio grows.
We work with investors at every stage — from those buying their first investment property to those reviewing a portfolio that’s grown beyond its original structure.
Upgrading to a larger or better-located home is one of the most significant financial moves a homeowner makes. Decisions around timing, bridging finance, and whether to sell first or buy first can be complex — and getting them wrong is costly.
We help you understand exactly what you’re working with before you start making offers. That means a clear picture of your usable equity, your borrowing capacity, and how the transition can be structured to protect your position throughout the process.
When a fixed rate period ends, your loan typically reverts to your lender’s standard variable rate — which is often considerably higher. It’s one of the most common moments where a loan review pays for itself.
But the review isn’t just about the rate. It’s an opportunity to ask whether your current lender, product, and structure still suit where you are now — and where you’re heading. For many borrowers, this is also the moment to consider consolidating debt, releasing equity, or restructuring across multiple properties.
We’re not a rate-comparison service. We don’t lead with a spreadsheet of numbers and ask you to pick one.
Our approach starts with understanding your current position and where you want to get to. From there, we work with a panel of over 30 lenders — including major banks, non-bank lenders, and specialist providers — to find a structure that fits your strategy, not just your immediate need.
We manage the full process from application through to settlement, and we stay involved well beyond it. If your circumstances change, your loan should be reviewed. We make that straightforward.
Propel Finance Group has been operating in Norwood, South Australia since 2011. Over fifteen years, we’ve helped hundreds of Adelaide homeowners and investors structure loans that hold up over time — not just at settlement.
You work directly with Deon Kruger, an accredited mortgage broker with 10 years experience in the Adelaide property market and a clear understanding of how lenders assess applications here. No handoffs to junior staff, no call centres.
We service clients across Adelaide and nationally, but our roots are local — and that local knowledge shapes how we work.
If you haven’t reviewed your loan in the past 2–3 years, or your income, property value or goals have changed, it’s worth a conversation. Many homeowners find they can access equity they weren’t aware of, or restructure for better flexibility — without necessarily changing lenders.
Yes. If your property has increased in value, you may be able to access equity through a refinance or redraw facility — for an investment property, renovations, or to fund an upgrade. We work through the structure carefully to make sure it suits your longer-term position.
A broker compares options across 30+ lenders on your behalf and focuses on your long-term position, not just today’s rate. A bank offers you their own products. We don’t have a product to sell — we have a recommendation to make.
The first step is understanding what your current property is worth and how much equity you hold. From there, we can model what’s achievable — whether that’s a bridging loan, selling first, or using existing equity as a deposit. Book a 15-minute call and we’ll walk you through it.
Book a no-obligation 15-minute call with one of our Adelaide mortgage brokers. We’ll look at where you stand and what’s available to you — no paperwork, no commitment, just clarity.
