Your Trusted Partner in Home Finance
Making home finance simple, transparent, and culturally comfortable for Indian families in Adelaide.
Built on Trust, Driven by Results
Jain Home Loans was created to make home finance simple, transparent, and culturally comfortable for Indian families in Adelaide. We combine clear guidance with practical tools and a "no-surprises" process—so you know exactly what happens next.
Whether you're a first-home buyer, looking to refinance, or building your investment portfolio, we bring the same dedication to every client.
Trusted Partner
Since 2020
Nipun Jain
MBA (Finance) | Diploma of Finance & Mortgage Broking
20+
Years Exp.
MBA
Finance
I've spent 20+ years as an entrepreneur serving both corporate and individual clients, where success depended on financial discipline, clear communication, and reliable delivery. With an MBA (Finance) and a Diploma of Finance & Mortgage Broking, I've brought that same execution mindset into mortgage broking—pairing it with specialist training and experienced mentors to ensure every recommendation is policy-fit, documented, and on time.
"My goal isn't just to arrange a loan — it's to build trust. I want clients to feel comfortable asking questions and confident in every decision."
— Nipun Jain, Founder
What this means for you:
Advice First, Loan Second
At Jain Home Loans, you should always understand why a loan is right for you — not just what the rate is.
Full Transparency
No jargon-filled sales talk. No surprise fees. Clear comparisons between banks, non-banks and credit unions. If something isn't in your best interests, we'll say so.
Education, Not Pressure
We invest time explaining how lenders assess applications, providing calculators, checklists, and case studies so you feel confident about your loan.
Respect Every Dollar
We look beyond the headline rate — comparing fees, features and flexibility. Small structural changes can save tens of thousands over your loan's life.
Long-Term Relationships
We don't aim to be seen once and forgotten. Rate reviews, repricing, refinance checks — your loan keeps working for you long after settlement.
How We Work
Process-first, data-led approach
Listen & Frame
Your goals, visa/PR status, timeline, and budget.
Pre-assessment
Check lender rules, request only needed docs, map clear path.
Policy-fit Strategy
Align structure (fixed/variable/split) to your situation.
Pre-approval
Coordinate valuations, conditions, paperwork—no chasing.
Post-settlement
Rate reviews and refinance checks to keep loan working.
Why Indian Families Trust Us
We understand your unique needs and cultural nuances
Language & Culture
We understand the nuances of overseas funds, gifts, joint accounts, and family decision-making. Speak in Hindi, Punjabi, or English.
Visa Expertise
Regular work with 491 / 482 / 485 / 189 / 190 scenarios, genuine savings, and LMI waivers for certain professions.
Clarity on Costs
We model stamp duty (SA), FHOG options, LMI and total purchase costs up-front with clear examples.
Speed with Care
Proactive document checklists, fast feedback loops, and lender-policy alignment from day one.
50+ Lender Partners
The right match isn't just about the rate; it's about policy fit, fees, features, and timeframes.
Major banks, credit unions, and specialist lenders to match your needs
Client Reviews & Results
Real stories from families we've helped across Adelaide
5.0 Stars on Google Reviews
"Clear explanations and honest advice. We were first-home buyers on a 491 visa and didn't think we could qualify. The team handled everything and kept us updated daily. Highly recommend!"
Yamini
Grange, SA
"The process was stress-free. Nipun explained every step, even on weekends, and helped us secure the SA grant and stamp-duty concession."
Raj
Clearview, SA
"As self-employed buyers, we had trouble with our first bank. Jain Loans found another lender and got it approved in 5 days. Professional and caring."
Sandeep
Glenelg, SA
485 to PR Couple Buys First Home
When Arjun & Meena arrived on a 189 visa, saving for a 20% deposit looked impossible. We structured a loan with a 10% deposit, used verified overseas savings, and aligned with a policy-friendly lender.
First-Home Grant Success in Para Hills
A young IT professional couple wanted to build a new home but weren't sure how to apply for the SA First Home Owner Grant and stamp-duty waiver. We walked them through eligibility, prepared paperwork, and saved them nearly $30k.
Community Promise
We're here for the long term—supporting Adelaide's Indian community with simple education, live Q&A sessions, and plain-English (and Hindi/Punjabi) guides so families feel confident at every step.
Let's Connect
Ready to Start Your Journey?
Let's have a chat about your home loan goals