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

We specialise in helping first home buyers cut through the noise. From borrowing power to pre-approval, grants and settlement — we guide you through every step with experienced, straightforward advice.

Refinancing

Already have a loan? There’s a good chance you’re paying more than you need to. We’ll review your current deal and show you exactly what’s possible.

Shared Equity

Shared equity lets your deposit go further and makes buying sooner possible. We’ll assess your eligibility, explain your options, and guide you from start to finish — simply and transparently.

Construction Loans

Not all lenders offer construction loans. We find the right one, manage the complexity, and ensure your build financing fits your plans and budget from the ground up.

Commercial & Business Finance

Expanding, investing or improving cash flow? We work across a broad lender network to source and structure finance solutions that align with your business goals. Finance that works as hard as you do.

Car Loans & Equipment Finance

Whether it’s a vehicle, truck or essential business equipment — personal or commercial — we tailor competitive financing solutions with flexible repayment options to suit your cash flow.

Pre-Approval

Know exactly how much you can borrow before you start searching. Pre-approval gives you the confidence to bid at auction and the speed to move when the right property comes up.

Building & Contents Insurance

Many homeowners are underinsured by as much as 30%. We can guide you to the right policies and help you bundle cover to protect your home, contents and peace of mind.

How it works

Simple. Straightforward. Done.

Step 1

Book a free call

No obligation. Share your goals; we’ll understand your situation around your schedule.

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.”

Connect with David