Step 1
Book a free call
No obligation. Share your goals; we’ll understand your situation around your schedule.
Smarter lending,
made simple.
Independent mortgage broking for South Australia. No call centres, no one-size-fits-all — just personalised advice and the right loan for your life.
40+lenders
0broker fee
SAbased
why choose
First State Finance
At First State Finance, you’re not just another application — you’re a priority.
We’re a boutique, independent brokerage focused entirely on you—no call centres or one-size-fits-all solutions, just personalised advice tailored to your goals.
With 40+ lenders, we compare options, handle the details, and keep you informed every step. Our support continues for the life of your loan.
Our services
We can help with
Home loans
With access to 40+ lenders, we compare hundreds of loan options — variable, fixed, split and more — to find the structure that suits your goals now and into the future.
First Home Buyers
Transforming your thoughts, meeting notes, or ideas into actionable tasks with minimal effort.
How it works
Simple. Straightforward. Done.
Step 2
We research your options
We compare our full lender panel to match products to your goals, income, and position—fast.
Step 3
We present your recommendation
Clear, plain-English walkthrough with Q&A to build your confidence before proceeding.
Step 4
We handle everything
We manage applications, lender liaison, and updates—you just attend settlement. Ongoing support after.
about
Our approach
Who we are
A decade of hands-on experience
With over 10 years in Australian financial services, we structure finances for individuals and small businesses—ensuring lasting stability from day one. Simplifying complexity into clear paths satisfies us.
What drives us
A genuinely client-first approach
First State Finance was born from a gap we saw—clients as mere file numbers. We created it for everyday Australians: simple language, honest talk, and your needs first.
What to expect
A dedicated partner, not just a broker
You get prompt, plain-language replies without handoffs when things get complex. We’re always straight with you, even on tough news—and tailor every recommendation to what matters to you.
The person behind the loan
David Ritossa
Manager
“My job isn’t just to get the deal done. It’s to help you reach a higher standard than you thought possible — through honest appraisal, consistent support, and a genuine investment in your success.”
Testimonial
What clients say
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Calculators
Run the numbers
Visit us at any of our locations to experience our personalized approach to legal representation, where our team is ready to provide tailored solutions to meet your needs.
Borrowing Capacity Calculator
Estimates how much you may be able to borrow based on your income, expenses, and financial commitments.
Repayment Calculator
Shows what your loan repayments could look like based on the amount, rate, and term.
Loan Comparison
Compares loan options side by side to help you see which one may be better value.
Stamp Duty Calculator
Estimates the upfront stamp duty and related property purchase costs you may need to pay.
Ready to talk?
No jargon. No pressure. Honest chat about your options—free service, response within one business day.
New to home loans?
Buying a home or loan involves unfamiliar terms. Our plain-English guide builds your confidence for every conversation.