Second mortgagesin South Australia.

Used by investors, developers and business owners releasing equity. Security is usually registered second mortgage.

Solara arranges second mortgages on South Australia security through banks, private lenders, non-bank lenders and specialist funds; which of them is right for a file depends on security, exit and timing rather than postcode.

Adelaide commercial property and agribusiness lending dominate SA's private-lending market, with pricing competitive for well-secured metropolitan deals. Regional centres such as Mount Gambier and Whyalla draw steadier but more selective appetite tied to forestry, agribusiness and heavy industry.

Duty and tax: Stamp duty applies to residential property transfers; most non-residential (commercial and primary production) property transfers are duty-free under SA's land-rich duty reforms, though duty can still apply where a transaction has a residential component. A foreign ownership surcharge applies to residential land bought by foreign persons. Land tax is assessed annually on the site value of investment and commercial landholdings above the threshold, with aggregation rules for related ownership structures and a surcharge for foreign ownership.

Caveats are lodged with Land Services SA and lapse without a supporting caveatable interest.

Land Services SA administers Torrens title and e-conveyancing through PEXA for transfers and mortgage registration.

Retail and commercial leasing in SA falls under the Retail and Commercial Leases Act 1995 (SA).

Adelaide CBD and inner-suburban development sites are subject to council development plans and, for larger sites, state planning assessment.

Irrigation and water-entitlement licensing along the Murray and in the Riverland is a relevant consideration for agribusiness security in regional SA.

Adelaide valuations turn around at a pace similar to the eastern capitals; regional SA and agribusiness security typically needs a specialist rural valuer.