Home Loans, Investment Property, Development & Business Finance
Your next property purchase or business investment starts with a clear funding strategy.
Buying a home in Adelaide, investing in Mount Gambier, purchasing equipment in the Barossa or developing property in regional South Australia?
Advanced Finance Group helps homeowners, investors, developers and business owners assess their borrowing options and arrange finance suited to their circumstances.
Led by André Barkhuizen, Chartered Accountant and Finance & Mortgage Broker, we combine accounting expertise, corporate advisory experience and practical lending knowledge to help you make informed decisions.
Let’s discuss your goals and the funding behind them.
Email André | Call 0497 432 090
Finance Built Around Your Bigger Picture
Your financial position is more than the amount you want to borrow.
Income, existing commitments, business performance, available equity and future plans all influence which lending options may be suitable.
We take the time to understand:
- What you want to achieve.
- Your deposit, equity and available security.
- Personal and business cash flow.
- Existing loans and repayment obligations.
- Ownership and borrowing structures.
- How the proposed funding affects your future flexibility.
Our focus is helping you arrange suitable finance while understanding the financial commitment behind it.
Why Choose Advanced Finance Group?
Chartered Accounting Expertise Meets Finance Broking
For business owners, investors and borrowers with several income sources, a lending application can involve more than payslips and a deposit.
Our Director’s Chartered Accounting background helps us interpret financial statements, understand business structures and explain your financial position clearly to lenders.
We bring this perspective to home loans, commercial lending, equipment finance and property development funding.
You receive:
- Personal attention and clear explanations.
- Access to a broad panel of lenders.
- An assessment of suitable loan structures and features.
- Support preparing and progressing your application.
- A wider view of cash flow, capital requirements and financial commitments.
We help you consider the loan and the decision it supports.
Home Loans South Australia
From Your First Home to Your Next Chapter
Whether you are purchasing an Adelaide apartment, a family home in the suburbs or a property in regional South Australia, we help you explore suitable home loan options.
We assist with:
- First home buyer loans.
- Owner-occupied home loans.
- Investment property loans.
- Construction finance.
- Refinancing.
- Fixed, variable and split-rate loans.
- Equity access for an approved purpose.
- Debt consolidation, where appropriate.
We explain relevant loan features, help organise supporting documents and guide your application from initial assessment through to settlement.
Refinancing & Mortgage Reviews
Does Your Existing Loan Still Suit You?
Changes to your income, family circumstances, property holdings or business plans can make a loan review worthwhile.
We compare your current arrangements with suitable alternatives, considering:
- Interest rates and ongoing fees.
- Offset accounts and repayment flexibility.
- Switching costs and applicable break costs.
- The effect of extending or shortening your loan term.
- Equity access and future borrowing requirements.
If you have several loans, we can also assess how the facilities and security arrangements work together.
A refinance should provide a clear benefit after the costs and implications are considered.
Investment Property Finance South Australia
Assess the Property and the Funding Together
An investment property decision should account for the costs of buying, owning and financing the property.
We help investors assess borrowing options for purchases across Adelaide and regional South Australia, considering:
- Deposit and acquisition costs.
- Existing debt and borrowing capacity.
- Expected rental income.
- Vacancy, maintenance and ownership expenses.
- Interest-only or principal-and-interest repayments.
- Financial buffers and future borrowing needs.
Whether you are buying your first rental property or expanding an established portfolio, we help you understand how the proposed loan fits your wider commitments.
Established Property, New Housing or Construction?
An established dwelling, an off-the-plan purchase and a construction project can involve different settlement timing, valuation risks and cash requirements.
We help assess these lending implications and work alongside your tax and legal advisers where ownership structures or tax treatment affect the decision.
The property should fit your investment strategy, and the funding should support its cash flow.
Property Development Finance South Australia
From Site Acquisition to Project Completion
A development opportunity needs a credible feasibility, sufficient capital and a practical exit strategy.
Advanced Finance Group helps developers explore funding for:
- Development site acquisition.
- Residential subdivisions.
- Townhouse and apartment projects.
- Construction and staged developments.
- Commercial and industrial projects.
- Project refinancing and completion.
- Retaining completed properties, where suitable funding is available.
Available lending options depend on the project, developer experience, equity, approvals, security and lender requirements.
Understand Your Capital Requirement Before Committing
We help assess how the proposed finance interacts with:
- Land acquisition and transaction costs.
- Planning, design and professional fees.
- Construction costs and progress payments.
- Interest, lender fees and holding costs.
- Contingency allowances.
- Presales and settlement timing.
- Sale proceeds or refinancing capacity.
Through our corporate advisory services, we can also assist with feasibility modelling and scenario analysis.
Before purchasing a site, understand how much equity you need and what happens if costs rise, completion is delayed or sales take longer than expected.
Finance for Self-Employed Borrowers
Present Your Financial Position Clearly
Business income is not always straightforward. Company profits, distributions, existing liabilities and recent trading results can influence a lender’s assessment.
Our Chartered Accounting expertise helps us interpret your financial information and identify lending pathways that may suit your circumstances.
We assist:
- Sole traders and contractors.
- Company directors.
- Partnership and trust borrowers.
- Business owners with multiple income sources.
- Self-employed property investors.
Applications remain subject to lender assessment and documentation requirements.
Commercial & Business Finance South Australia
Funding for Your Next Business Decision
Purchasing premises, acquiring a business or expanding operations creates funding requirements that should be considered alongside day-to-day cash flow.
We assist South Australian businesses with:
- Commercial property purchases and refinancing.
- Business acquisition and expansion finance.
- Working capital facilities.
- Invoice and trade finance.
- Equipment and vehicle finance.
- Property development funding.
- Agribusiness lending.
We consider the purpose of the funding, repayment capacity, security and facility costs to help you assess a practical way forward.
Where required, our corporate advisory services can support forecasting and scenario planning.
Equipment & Asset Finance
Equip Your Business While Managing Cash Flow
Equipment purchases can place significant pressure on available capital. Suitable finance may allow you to spread the cost while retaining funds for operations.
We arrange funding for eligible assets including:
- Cars, utes and commercial vehicles.
- Trucks, trailers and fleet assets.
- Construction and earthmoving equipment.
- Manufacturing machinery.
- Agricultural machinery.
- Medical and other business equipment.
We help assess deposits, repayments, loan terms and any final balloon payment against your expected cash flow.
The equipment should support your operations. Its finance should fit your business.
Agribusiness Finance South Australia
Property, Equipment & Seasonal Funding
Agricultural businesses often face a timing gap between expenditure and income.
We help explore finance for farm property purchases and refinancing, machinery and equipment, and working capital requirements.
Our assessment considers the property, operating structure, financial performance, seasonal cash flow and available security.
Whether you operate a cropping, livestock, horticulture or viticulture business, we start by understanding how your operation earns income and uses capital.
Areas We Service Across South Australia
We assist clients throughout metropolitan, regional and rural South Australia, including:
- Greater Adelaide: Adelaide CBD, North Adelaide, eastern and western suburbs, northern suburbs and southern suburbs.
- Adelaide Hills: Mount Barker, Stirling, Hahndorf and surrounding communities.
- Fleurieu Peninsula: Victor Harbor, Goolwa, McLaren Vale and surrounding areas.
- Barossa and surrounding districts: Nuriootpa, Tanunda, Angaston and Gawler.
- Murraylands and Riverland: Murray Bridge, Renmark, Berri and Loxton.
- Limestone Coast: Mount Gambier, Naracoorte and surrounding districts.
- Mid North and Yorke Peninsula: Clare, Port Pirie, Kadina and surrounding communities.
- Eyre Peninsula and Upper Spencer Gulf: Port Lincoln, Whyalla and Port Augusta.
- Kangaroo Island and rural South Australia.
Phone and online appointments make it straightforward to discuss your finance requirements wherever you are based.
Frequently Asked Questions
Can you help if I live in South Australia?
Yes. We assist South Australian clients through phone and online consultations, with supporting documents submitted electronically.
Can you help first home buyers?
Yes. We assess borrowing capacity, explain suitable loan options and help identify assistance programs that may be relevant to your circumstances.
Can you assist self-employed borrowers?
Yes. Our accounting background helps us understand business financials and present your position clearly, subject to lender requirements.
Can you help with rural or agricultural property finance?
Yes. We explore suitable lending options based on the property, proposed use, financial position and lender criteria. Rural property requirements can differ from standard residential lending.
Can you arrange property development finance?
We help developers explore funding options based on feasibility, experience, available equity, approvals, security and the proposed exit.
Can you review personal and business lending together?
Yes. Reviewing these commitments together helps us understand their combined effect on cash flow, security and future borrowing capacity.
Should I discuss finance before signing a contract?
An early discussion can help identify likely borrowing limits, capital requirements and funding conditions. Your solicitor or conveyancer should advise on the contract.
Speak With a Mortgage & Finance Broker Serving South Australia
Buying a home? Investing in property? Developing a site or expanding your business?
Start with a conversation about your goals and the numbers behind them.
Advanced Finance Group combines Chartered Accounting expertise, corporate advisory experience and finance broking to help you understand your options and move forward with clarity.
André Barkhuizen CA
Advanced Finance Group
Call: 0497 432 090
Email: andre@advancedfinancegroup.com
Your next move starts with a clear funding strategy.
Finance is subject to lender approval, eligibility criteria and terms. Your needs and financial circumstances must be assessed before a loan recommendation is made. Obtain tax and legal advice relevant to your proposed transaction.
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