01
Bridging — eastern suburbs
Burnside residence under contract to settle, Norwood residence under contract to sell. 6-month bridge at 60% LVR with capitalised interest, exit on the Norwood sale.
Private lenders · Adelaide
Adelaide private lenders, calibrated to a slower-moving market.
South Australia's private credit market is smaller than the eastern seaboard but the underlying book quality is consistent. We write Adelaide metro across bridging, first and second mortgages, and select commercial files — all broker-introduced.
The Adelaide market
Real underwriting, local calibration.
Adelaide's private credit market is steadier than the eastern capitals. Population growth has been positive but contained, the secondary market is shallower than Sydney or Melbourne, and settlement timelines tend to run a little longer. Underwriting calibrates to that — tighter LVR caps on apartment security, more weight placed on exit documentation, and a longer assumed discharge window than equivalent files in NSW.
Where Adelaide files work cleanest is bridging-and-out on detached residential in the eastern and southern suburbs, where comparables are dense and exit market for a refi or sale is reliable. First mortgages on self-employed borrowers with credible exit stories make up a meaningful slice of the book.
The Adelaide broker network we partner with is smaller than the Sydney network but well-aligned — the introducers who bring us files there tend to bring well-packaged files because they know the credit lens.
Files we've written in Adelaide
The shapes that actually clear.
02
First mortgage — North Adelaide
Self-employed Adelaide borrower acquiring a North Adelaide residence. 18-month first mortgage at 65% LVR with documented refi exit at month 14.
03
Second mortgage — investment
Working-capital release behind a major-bank first mortgage on an Adelaide investment property. Combined LVR 75%, 9-month tenor, exit on equity release at end-of-build.
Representative deal shapes · Not specific transactions · For information only
Suburbs we write in
Adelaide coverage, established suburbs.
Representative — not exhaustive. The book runs across the metro and into regional South Australia. Your broker will know whether the postcode fits before they submit.
- North Adelaide
- Burnside
- Norwood
- Glenelg
- Unley
- Walkerville
Why a Sydney-HQ lender
Geography is the file's, not the lender's.
The South Australian book moves slower than NSW or QLD by design — we don't push volume where the secondary market doesn't reward it. What we do write, we write to the same credit lens as every other file. Same-day indicative, indicative equals formal, broker-channel only.
Questions on Adelaide files
The ones brokers and borrowers ask.
Does Archer Wealth lend in Adelaide?
Yes. Archer Wealth writes Adelaide files across bridging, first and second mortgages, commercial and (where the file suits) development. The book is written from Sydney head office but the credit lens is calibrated to the South Australia market.
Does Archer Wealth lend directly to borrowers?
No — Archer Wealth lends exclusively through accredited mortgage brokers. If you don't have a broker, the borrowers hub will match you to one of our partners covering your postcode within one business day.
How fast can private lending settle?
Standard bridging and first-mortgage files settle in 3–5 days. Commercial files: similar. Development files: 3–6 weeks because of QS, legal, and drawdown set-up. Indicative terms come back same-day.
What is Archer Wealth's maximum LVR?
Up to 75% LVR on metro residential first mortgages (70% on apartments), 60% on commercial, 80% combined on second mortgages. Anything above the standard envelope goes to the credit committee with structuring attached.
Get a Adelaide file in front of credit