Guttilla Financial - Mortgage & Finance Brokers

Guttilla Financial - Mortgage & Finance Brokers Save more. Borrow smarter. Own sooner. At Guttilla Financial, we simplify the finance process with clarity, care, and strategy.

First, next & forever homes 🏡
Adelaide mortgage brokers | Loan structuring experts Get Started HERE👇
https://www.guttillafinancial.com.au/contact/ Founded by South Australian-based broker Shaun Guttilla, our brokerage is built on a family-first foundation — one rooted in trust, connection, and the belief that finance doesn’t have to feel overwhelming. We work closely with clients to structure tail

ored finance solutions that serve both short-term needs and long-term goals — whether it’s buying your first home, upgrading your lifestyle, or funding your next business move. With every connection, we bring a genuine and grounded approach that reflects our values as a family-first business. At Guttilla Financial, we understand the weight of financial decisions and the trust our clients place in us. That’s why we prioritise open communication, long-term value, and personalised support over quick wins. When you work with us, you’re not just choosing a broker — you’re becoming part of a team that advocates for your success as if it were our own.

As of February 2026, a new rule from APRA has changed the game.Banks are now restricted on how many "high-debt" loans th...
26/03/2026

As of February 2026, a new rule from APRA has changed the game.

Banks are now restricted on how many "high-debt" loans they can approve. If your total debt (including the new loan, credit cards and car loans) is more than 6 times your gross annual income, you’re officially in the "High debt-to-income zone.

Banks can only allow 20% of their new loans to fall into this category. If your bank has already hit its 20% "quota", they might say no, even if you have a perfect credit history.

If you think you might be affected, book a call with us to assess future lending.

You could potentially save thousands of dollars and take years off your loan by making extra repayments. 🏠💰Let’s run the...
24/03/2026

You could potentially save thousands of dollars and take years off your loan by making extra repayments. 🏠💰

Let’s run the numbers and see how much you could save.

22/03/2026

In a fast-moving market, "waiting to save more" could potentially cost you more in price growth than you’d pay in interest or fees.

You might not need a 20% deposit. With the right strategy, a low-deposit scheme, or even paying lenders mortgage insurance, you may be able to get off the treadmill and into your home sooner.

Construction loans are not as straightforward as typical home loans. But they can be made simpler with a broker by your ...
19/03/2026

Construction loans are not as straightforward as typical home loans. But they can be made simpler with a broker by your side.

Reach out to find out more about how construction loans work.

Found "the one" but haven't sold your current place yet? 🏠⏳In a fast-moving market, waiting for a sale could mean missin...
17/03/2026

Found "the one" but haven't sold your current place yet? 🏠⏳

In a fast-moving market, waiting for a sale could mean missing out on your dream home. That’s where a bridging loan could help.

Did you know at Guttilla Financial we are your next home specialist! A bridging loan could allow you to buy your new home before you sell your current one. It’s a short-term solution that could help give you an upper hand in a competitive bidding war.

Ask us how.

If you’ve been thinking of purchasing a new vehicle or equipment for your business, now is the time to act. If the asset...
12/03/2026

If you’ve been thinking of purchasing a new vehicle or equipment for your business, now is the time to act.

If the asset is delivered and operational by June 30, you may be able to access the Instant Asset Write Off.

Reach out to get your finances sorted. Speak to your accountant about the Instant Asset Write Off.

Like most good things, keep in mind your pre-approval doesn’t last forever. It’s important to check with your broker whe...
11/03/2026

Like most good things, keep in mind your pre-approval doesn’t last forever.

It’s important to check with your broker when the right time is for you to apply for pre-approval as well as being aware of when it expires.

While it may expire, we often don't see this, with great advice and complimentary property reports. We partner with you on this journey .

Come and experience the Guttilla Financial difference.

09/03/2026

You know that speaking to a broker to help you with your property purchase is a good idea, but when should you do it? When you first decide you want to buy? Once you’ve found your property? When you want to apply for a loan?

The truth is it’s never too early to contact a broker. They can help you at all stages of the property purchase process. But the earlier you get in touch, the better they can help you to be prepared in your journey.

Get in touch today.

Happy International Women’s Day. Here’s to all the great women in our community.To my wonderful partner in crime and 2 d...
07/03/2026

Happy International Women’s Day. Here’s to all the great women in our community.

To my wonderful partner in crime and 2 daughters. Make the world yours. To all the other wonderful women out there - THANK YOU!

04/03/2026

After the RBA’s rate increase in February, many homeowners on variable rates are wondering what more hikes will mean for their household budgets.

Looking at the average home loan in Australia, which is $694,000, if your interest rate is currently 5.4%p.a, your monthly repayments would be around $4,220.

For every 0.25% rise your repayments would increase approximately:

💰 1 increase: $4,324, $104 increase per month

📈 2 increases: $4,429, $209 increase per month

💸 3 increases: $4,535, $315 increase per month

Why spend hours on hold with three different banks when you could just talk to one expert? 🏦The biggest perk of seeing a...
02/03/2026

Why spend hours on hold with three different banks when you could just talk to one expert? 🏦

The biggest perk of seeing a broker? Choice. Instead of you doing the legwork, we compare hundreds of products from a huge panel of lenders simultaneously.

To find out all the other reasons you could be better off using a broker, reach out.

Your home loan is likely your largest monthly expense, but refinancing it to a more competitive loan can put thousands o...
27/11/2025

Your home loan is likely your largest monthly expense, but refinancing it to a more competitive loan can put thousands of dollars back in your pocket every year.

The best Black Friday bargain may not be a fleeting flash sale; it could be securing a better interest rate.

Skip the queues and secure real savings.

Get Started Here -> https://www.guttillafinancial.com.au/home-loans/refinancing/

Or love to chat as much as we love mortgages drop us a line:
0483 034 424
[email protected]

Address

68 Greenhill Road
Adelaide, SA
5034

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