01What changes in Adelaide
Mortgage brokers providing regulated credit assistance must follow the national best-interests duty and prioritise consumers where conflicts arise. Adelaide creative should state the credit authority, lender-panel scope, commissions, consumer fees and referral relationships and should explain why the process compares costs and features rather than simply advertising one rate.
RevenueSA currently offers stamp-duty relief to eligible first-home buyers for specified new-home, off-the-plan and vacant-land transactions, with rules based on contract date, ownership history, applicants, residence and property type.
Current relief can be substantial, but it is not a cash payment and does not erase lender, conveyancing, build or ownership costs. Gawler, Tea Tree Gully, Marion and Onkaparinga may produce different new-build, land and established-home enquiries, so the form should identify the transaction type and contract date and link to RevenueSA for current eligibility. Refinance messages need to compare the remaining loan term and all switching costs.
Construction finance needs stage, contract and contingency questions. Tax deductibility, ownership structure and investment returns sit outside ordinary mortgage-broking scope unless separately authorised advice is provided.
