Business Details
39 Years
experience
Your Trusted Mortgage Brokers in Adelaide
Bernie Lewis Home Loans has been a cornerstone of the mortgage lending and financial services industry in Adelaide, South Australia since 1987. Our team of fully qualified, highly experienced mortgage brokers is dedicated to providing personalized finance solutions tailored to individual client needs. With over 35 years of industry expertise, we pride ourselves on building lasting relationships based on trust, transparency, and a deep understanding of our clients' financial goals. Our brokers work closely with a diverse range of lending partners to ensure competitive options for first-home buyers, investors, and commercial property clients.We guide clients through every step of the lending process, from initial consultation and pre-approval to settlement and beyond, ensuring clarity and confidence at every stage. Our commitment to education empowers clients to make informed decisions, while our innovative approach to finance solutions continues to set industry standards. As South Australia's first mortgage broker, we combine tradition with modern financial strategies to deliver exceptional service and sustainable outcomes for Australian homeowners.
Services
First Home Loans
Refinancing
Commercial Property Loans
Investment Property Loans
Asset Finance
Reverse Mortgages
SMSF Refinance
Construction Loans
Home Loan Pre-Approval
Debt Consolidation
Details
- Year established: 1987
Highlights and features
- We have over 35 years of experience in mortgage broking and financial services.
- Our brokers provide personalized solutions based on individual financial goals.
- We work with a diverse range of lending partners for competitive options.
- We prioritize transparency and education to empower client decision-making.
- Our team maintains long-term relationships built on trust and accountability.
What people say
Exceptional service
Stress-free process
Expert guidance
Personalized solutions
Transparent communication
Services
First Home Loans
Our first home loan service specializes in guiding first-time buyers through the complexities of property purchase. We offer tailored solutions considering deposit requirements, government grants, and lending options. Brokers provide pre-approval assistance, explain loan features, and facilitate settlement processes. With expertise in both established and new properties, we help clients navigate stamp duty implications and financing structures while maintaining transparent communication throughout the 6-8 week average purchase timeline.
Refinancing
Our refinancing service analyzes existing loan structures to identify savings opportunities through rate reductions, debt consolidation, or equity release. Brokers conduct cost-benefit analyses considering discharge fees, registration costs, and potential interest savings. We specialize in complex scenarios including SMSF refinancing, bridging finance solutions, and restructuring for improved cash flow. The process typically involves assessing household expenditure measures, credit history, and lender-specific criteria to achieve optimal outcomes within 4-6 weeks.
Commercial Property Loans
We provide specialized financing for commercial properties including office spaces, warehouses, and retail premises. Our brokers understand zoning regulations, lender risk assessments, and documentation requirements for business entities. Services include loan structuring for owner-occupiers, investors, and self-employed professionals. We maintain relationships with specialist commercial lenders to secure competitive terms while navigating unique challenges like cash flow assessments and security requirements for non-residential properties.
Investment Property Loans
Our investment loan service focuses on wealth creation through property. Brokers advise on strategies for capital growth, rental yield optimization, and tax-effective structures. We offer SMSF lending solutions, equity release options, and portfolio diversification strategies. The service includes property research tools, cash flow analysis, and guidance on negative/positive gearing implications while maintaining compliance with lender serviceability requirements for multiple property holdings.
SMSF Refinance
Specializing in SMSF loan restructuring, we help clients reduce financing costs for property held in self-managed super funds. Our brokers navigate complex documentation requirements, liquidity constraints, and security specifications unique to SMSF lending. We access competitive rates from specialist lenders while ensuring compliance with regulatory requirements. The service includes detailed analysis of potential savings, break costs, and improved terms to enhance retirement investment returns.
People
Paul Schofield
Mortgage & Finance Broker
With 30 years of finance experience, Paul combines technical expertise with a client-focused approach. He specializes in technology-driven solutions while maintaining personalized service for diverse client needs.
Darren Kennedy
Mortgage & Finance Broker
Recognized for exceptional client service, Darren has built a reputation through transparent communication and dedicated support for first-home buyers and refinancing clients.
Evan Mortimer
Mortgage & Finance Broker
A Platinum-level achiever, Evan brings extensive experience in complex lending scenarios, working closely with clients to achieve optimal finance solutions since joining in 2013.
Vikkie Hannam
Mortgage & Finance Broker
With banking experience since 1976, Vikkie offers deep market knowledge and a commitment to empowering clients through financial education and personalized guidance.
Tom Kennedy
Mortgage & Finance Broker
Specializing in construction lending, Tom provides expert advice for new home builders, combining practical experience with comprehensive market knowledge to deliver tailored solutions.
Questions
What types of home loans do you offer?
We offer first-home loans, investment property loans, refinancing options, commercial property finance, and SMSF lending solutions tailored to individual needs.
How can a mortgage broker help me?
Our brokers provide personalized advice, compare multiple lenders, negotiate competitive rates, and guide you through the entire lending process from application to settlement.
Do you offer refinancing services?
Yes, we help clients refinance existing loans to reduce repayments, consolidate debt, or access equity while ensuring cost-benefit analysis for optimal outcomes.
What areas do you service?
Primarily serving Adelaide and regional South Australia, with select brokers available for national inquiries through our network.
How do I start the home loan process?
Contact us for a free consultation to discuss your financial goals, then complete a fact-find to determine borrowing capacity and suitable loan options.
What is SMSF refinancing?
We specialize in refinancing self-managed super fund loans to reduce costs, improve terms, and maximize investment returns for retirement planning.
