How to get the best mortgage

Organising a home loan to buy your first home, an investment property or getting finance for a commercial property is probably the biggest financial decision you’ll ever make.

So why not get the best advice? For many years, the home loans market has focused only on pricing, but the hidden truth is this — you’ll save more money by getting the right advice and the best finance structure than you ever will with a low interest rate on its own. At Johnston Grocke, we’re mortgage specialists which means we can offer you advice, financial planning, accounting knowledge and debt reduction strategies. Put your interests first with professional advice from South Australia’s leading mortgage and finance advice firm. 


1. Get the right advice to get the right home loan for you - a correct home loan strcuture can save you more money than a lower interest rate alone

2. Obtain a low interest rate home loan with low fees

3. Review your home loan to compare it to other offers in the market


Professional mortgage and finance advisors

Unlike the typical mortgage broker who just sets up the loan, a professional mortgage and finance advisor is an expert in the mortgage industry who carefully evaluates your individual financial position and finds the very best solution for you. We’re here to help negotiate the maze of options available to you and to make absolutely sure you’re fully informed before making any decisions.

The team at Johnston Grocke combine professional expertise in not just loan structuring, but a whole lot more. You’ll get advice on the best strategy and structure, tax minimisation and the cheapest interest rate as well as how best to protect your biggest asset — your home. We’ll help you with smart debt management, budgeting, advice on good debt and bad debt, financial goal setting and regular financial reviews.

We’ll get the banks competing for your business.
Over the years, we’ve built really good relationships with a diverse panel of lenders so we can get access to hundreds of loan options. We’ll advise what’s most suitable, then negotiate and organise the loan on your behalf.

Our goal is to partner you through the process and continue the relationship way beyond the completion of the property purchase. Because we want to make sure that you don’t just buy a great property, but you successfully meet all your financial goals. Don’t sign on any dotted line until you talk to us by calling 08 8303 0300.

Lowest Home Loan Interest Rates

A low interest rate saves you a bit of money, however, combine a low rate with good advice and correct loan structure and you'll save alot more! 

You get what you pay for and often people focus soley on achieving the lowest interest rate as they think this will save them the most money. However, if your loan has been set up incorrectly, doesn't allow flexability, has high annual or monthly fees and/or doesn't fit your objectives, then it may be the wrong loan for you and could cost you $1000's! Make sure you speak to a Mortgage Advisor before making decisions so they can give you advice.


Current Best Home Loan Rates 

Variable                  - 3.79% (4.01% comparison rate)

1 Year fixed            - 3.69% (4.35% comparison rate)

2 Year fixed            - 3.69% (4.92% comparison rate)

3 Year fixed            - 3.89% (4.19% comparison rate)

4 Year fixed            - 4.29% (4.47% comparison rate)

5 Year fixed            - 3.99% (4.38% comparison rate)




  1. Loans are started on the first day of the month nominated.

  2. All fees are averaged into the selected repayment frequency and applied to the loan balance on the repayment interval from the first day of the loan (e.g. for a fortnightly repayment frequency, a $10 a month fee would be applied as $4.62 per fortnight).

  3. Calculated interest and fees for a repayment period are added to the balance on the first day of the next repayment period, which may not reflect the calculation method of your chosen loan/s.

  4. Interest is calculated on the loan balance at the end of each repayment interval, which may not reflect the interest calculation method of your chosen loan/s.

  5. Daily interest is calculated as the yearly interest / 365.

  6. Weekly interest is calculated as the yearly interest / 52.

  7. Fortnightly interest is calculated as the yearly interest / 26.

  8. All interest rates are on a per annum basis.

  9. Interest rates, fees and charges utilised in the calculations are supplied by the respective lender.

  10. The minimum repayments for fixed and honeymoon periods are calculated as though they were applicable over the full term of the loan. When the loan reverts to a variable rate the minimum repayment is recalculated to reflect the variable rate for the remaining period of the loan. The variable rates used in the calculation may not be the variable rate applicable at the time of expiration of the fixed or honeymoon period.

  11. Extra repayments and draw-downs may fall outside lenders product parameters. If so, penalty charges or fees may apply (e.g. during fixed rate periods). We do not include such fees or charges and do not validate whether transactions fall within product boundaries.

  12. By default this comparator assumes loans are Principal and Interest.

  13. The balance remaining at the end of the loan term is paid as a final repayment and does not include any lender fees or government costs that may be payable at the time.

General Disclaimer:

Whilst all care has been taken in the preparation of repayment schedules, graphs and other loan details and estimates of fees, no responsibility will be held for their reliability. We recommend that all loan details and fee estimates be confirmed with the appropriate lender(s), government department and/or your legal representative prior to you making a decision on whether to proceed with a loan.

Hypothetical rates may have been used in this scenario and should not be relied upon as a direct indication of current or future interest rates. These rates are used to simulate possible outcomes only and are in no way an attempt to predict market changes. If you are unsure whether hypothetical rates have been used in this particular report, please consult the issuer.

This tool serves to indicate possible scenarios only and is not an indication of acceptance or approval by the lender/s, nor can it be assumed that you are eligible for any of the loan facilities used in these calculations. Certain assumptions have been made in the calculation of these figures.

Comparison Rates:

This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early payout fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

Self employed? Home loans here

If you’re self-employed, a tradie, a contractor or small business owner, you know that getting finance can be as hard as finding a box of sparks!

Even if your business is going gang-busters, most places just don’t want to know you — all you hear is ‘sorry we need 2 years’ financials’.  But at Johnston Grocke, it’s different. We have staff who not only specialise in helping self-employed people and tradies get home loans and investment loans, it’s all they do. We even have a lender who will approve home loans with only one year’s financials and tax returns. So if you want a great loan at a great rate, but you’re finding it hard yakka out there, give us a call on 08 8303 0300. 

Home loan review

You really need to review your mortgage every 3 years to make sure it’s still suitable for your situation and to keep the banks honest. 

Sure, it may have been the best rate when you first got the loan, but how long ago was that? And what’s happened to the loan rate since? You’ve probably noticed that the banks don’t always pass on the full interest rate cuts when they’re announced. Sometimes, they’ll even increase your home loan above the best rate in the market over time. So how can this happen? Well, after 2-3 years you forget what your interest rate is and whether it’s competitive any more. At Johnston Grocke, we can review your home loan to make sure it’s still suitable for you and priced well.


When it comes to making sure you’ve still got the best loan terms and the best mortgage rate for your circumstances, here’s a list of the things we can do for you…

  • Review your current mortgage and discuss your individual requirements to identify if the mortgage is still suitable
  • Review other lenders and offers
  • Get a better interest rate from your existing bank, or refinance to another lender if your bank won’t come to the party
  • Arrange the mortgage from application to settlement
  • Offer financial planning and debt reduction strategies
  • Advise and implement ‘Smart Debt Management’ to help you make sure that you pay off your debt sooner.

If you suspect your bank isn’t doing the right thing by you, or you’d like us to use our knowhow to check around and see if we can’t better their offer, give us a call on 08 8303 0300.

First home buyers home loans

Buying your first home is a big decision and an exciting time but it’s important to make sure you get the very best home loan.  

With so many mortgages to choose from these days and with all the banks spruiking their fabulously low interest rates, it’s very easy to get confused and just choose the best-looking rate without checking the fine print. That’s where we come in. At Johnston Grocke, we help first home buyers find the very best loan for their individual needs and their individual circumstances. We’ve proven it year in, year out, with hundreds of clients — our advice can save you more money than a low interest home loan!


And when you combine a great loan with our expertise, it’s amazing how quickly you can pay off the mortgage. So that home sweet home truly becomes all yours.

Here’s what we do for first home buyers…

  • We’ll discuss your individual requirements and identify what mortgage would be the best for you
  • Provide a cost analysis of the house you’re buying
  • Arrange the mortgage from application to settlement
  • Arrange a conveyancer and building inspections
  • Organise home and contents insurances so you’re fully protected
  • Offer financial planning and debt reduction strategies
  • Advise and implement ‘Smart Debt Management’
  • Complete in-depth budgeting to show you where your money goes
  • Prepare and submit the First Home Owners Grant application
  • Set financial goals and help you achieve them. 

Phew! As you can see, there’s a lot to think about when you’re buying a home and choosing a home loan, so why not let Johnston Grocke help get you the best deal. Before you sign on the dotted line, give us a call on 08 8303 0300.

Conveyancing Made Easy

To many people buying property, conveyancing can seem like just another lot of annoying paperwork that you just flick through and sign.

But, as with all legal documents, there’s a lot more to conveyancing than meets the eye! You want to make sure that the person preparing your documents has their eye on the ball and your best interests at heart. Which is why it’s always recommended that you choose your own conveyancer, not just go along with the one that the other party has already organised. To help our clients, we’ve joined forces with Andreyev Lawyers to create a conveyancing one stop shop.




This partnership offers a personalised service that aims to make conveyancing transactions as simple and straight-forward as possible.

Much more than just preparing a bit of paperwork

As well as providing conveyancing services to people buying and selling real estate, our conveyancer will review your contracts and provide the associated GST advice. We’ll oversee the legal and statutory processes required to transfer property ownership, help you prepare, check and lodge the necessary documents, and co-ordinate everything.  

We’ll not only help you make sure that you meet your legal obligations, we’ll protect your rights and interests. We’ll also advise you about anything impacting on your property. As you can see, there’s a lot to do.

But you don’t have to wait until you are ready to sign the contract — in fact it makes sense to choose your conveyancer as soon as you decide to buy or sell. That way there’s no rush when the time comes. After all, you’ll have enough to do!


Here’s what our conveyancing services can help you with

• Buying and selling your home (including into your super fund)
• Buying and selling investment and commercial properties
• Preparing and reviewing commercial leases
• Preparing land holding agreements (including simple joint ownership agreements)
• Family transfers of property
• Small to medium-scale subdivisions and developments
• Property searching
• Land divisions
• Leases
• Powers of Attorney (including registration at the Lands Titles Office)
• Caveats to protect an interest in land
• Company title, strata conversions, applications for/conversions to community title and more.

A fixed price quote before getting started

Nobody likes bill shock! That’s why we offer clients a fixed price quote, right up front, so you can be absolutely certain that our services give you great value for money.

If you’re thinking about buying or selling property, it’s worth thinking about organising the best conveyancer to help you with that. Give us a call on 08 8303 0300 and let us look after you. 

Investing in property

Whether you’re a first-time investor or you’re building a substantial property portfolio, it’s important to choose the right people to help you.

At Johnston Grocke, we advise first-time property investors and we also have several clients with 40+ property portfolios. So, what’s the real key to investment property finance? ADVICE, ADVICE, ADVICE!!! Property is a ‘lumpy’ investment which means that once it’s set up, it’s very hard to change. So you really want to get it right the first time. The way that you set it up can have huge implications with tax, asset protection and capital gains in the future — and it all starts with getting the right finance advice, up front.  


Our property division helps clients identify suitable property investment options. We work closely with our clients to drill down to exactly ‘why’ they’re going to invest, how long for and what returns they want. We then use this information to not only source investment properties to match their requirements, but to organise the correct structure for their property investment. Now it could be finance, ownership with trusts, or something else — but we make sure we find you the best option in order to reduce asset risk and land tax. Our aim is always to help our clients avoid the pitfalls associated with property investing and give them the very best chance of reaching their financial goals. 

Our advisors have the financial planning and accounting knowledge to look out for what you need and to set up the correct finance for you, first time. We also have financial planners and accountants to advise on all aspects of property investment, which means you get access to a full suite of expertise. Here’s a list of what we do:

  • Discuss your individual requirements and identify which mortgage is suitable
  • Discuss and identify tax-effective investment strategies
  • Show you how one year of tax deductions can be brought forward to be claimed weekly to improve cash flow
  • Provide a detailed cost and cash flow analysis of the property, including tax implications and out-of-pockets expenses after tax deduction
  • Arrange the mortgage from application to settlement
  • Arrange a conveyancer and building inspections
  • Offer the use of a property investment specialist to find a property that will achieve high returns
  • Organise building and contents insurances so your assets are protected 
  • Organise depreciation schedules for the investment properties
  • Advise on property portfolio management
  • Arrange a trusted property manager to handle tenants and regular inspections
  • Offer financial planning and accounting services
  • Implement debt reduction strategies and ‘Smart Debt Management’
  • Review your portfolio to make sure it’s working hard for you.

As you can see from the list above, investing in property wisely is much more than just picking a nice-looking property in a nice area, finding the lowest rate and then hoping for the best. If you’d like to arrange an appointment with one of our professional mortgage and finance advisors, please give us a call on 08 8303 0300.

Commercial and Business finance

So your business needs finance, or you’re looking to purchase a commercial property as an investment or to run your business from. Talk to us.  

When it comes to commercial lending, many banks take advantage of businesses, due to minimal regulation. At Johnston Grocke, we use our expertise to make sure you’re comparing apples with apples. Our advisors can help with funding to purchase commercial property, resi and commercial developments, to refinance commercial debts, organise franchise funding, business overdrafts, car finance, plant and equipment leasing, funding of tax office debt, or funding to solve cash flow issues. So before you sign on any dotted line, give us a call on 08 8303 0300.

Contact Johnston Grocke

Contact Johnston Grocke - Telephone 08 8303 0300 or send us an email by using our simple online form.

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On this entire website, information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, we recommend you consider, with or without the assistance of a financial adviser, whether the information is appropriate in light of your particular needs and circumstances.

No representation is given, warranty made or responsibility taken about the accuracy, timeliness or completeness of information sourced from third parties. Because of this, we recommend you consider, with or without the assistance of a financial adviser, whether the information is appropriate in light of your particular needs and circumstances.

Anthony Klatt, John Grocke and Mathew Wilkshire are authorised representatives of Paragem Pty Ltd. Paragem Pty Ltd ABN 16 108 571 875, is the holder of Australian Financial Services License number 297276 and these authorised representatives trade as Johnston Grocke.

AG Finance Group is a Corporate Credit Representative (396686) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit License Number 391237).