4ONE4 Capital helps South Australians buy, build and invest — with access to more than 100 lenders, straight-talking advice, and a broker who actually picks up the phone.
From 1 July 2027, capital gains tax on established residential property changes — while genuinely new dwellings are treated differently. We'll walk you through what it could mean for how you structure and fund your next purchase.
See What's ChangingWhether it's your first home, your fifth investment property or finance for the business, we compare the market and structure the loan around your plans — not a single bank's product list.
Deposit strategy, government schemes, borrowing capacity and lender choice — explained without the jargon, from pre-approval to keys.
Explore first home loans →
Structuring-led lending for investors building a portfolio — including how the 2027 CGT changes treat new builds differently to established stock.
Explore investment lending →
A sharper rate, debt consolidation, or equity released to renovate or invest. We'll tell you honestly if staying put is the better call.
Explore refinancing →
Progress-payment lending for house-and-land, knockdown-rebuild and custom builds — with the valuation and drawdown process managed for you.
Explore construction loans →
Commercial property, cashflow and business lending — assessed by someone who has written and approved credit inside major banks and private credit.
Explore commercial finance →
Vehicles, plant, equipment and fleet — for consumers and businesses, with lender panels that go well beyond dealership finance.
Explore asset finance →4ONE4 Capital is independently owned and run here in South Australia. We are not a bank, and we are not owned by one. What we do have is the backing of LMG — Australia and New Zealand's largest broker network — which gives our clients scale without costing them independence.
That means a panel of more than 100 banks and lenders, award-winning technology behind every application, and a compliance framework built into the process rather than bolted on afterwards.
More About Us
Most brokers learn credit from the outside in. Ben Clarke spent 15+ years on the other side of the desk — originating and assessing lending at Commonwealth Bank, Westpac Business Bank and Coutts & Co. Private Bank in London, and currently originates and assesses commercial credit as a company director.
That background shows up in how deals are packaged. We know what a credit assessor is looking for, where an application will stall, and how to structure a submission so it gets a fair hearing the first time.
From first conversation to settlement, you'll always know what's happening and what comes next.
A conversation about your goals, income, deposit and timeline — before any product is mentioned.
We compare the lender panel against your circumstances and explain the shortlist, including why we've ruled options out.
We package and lodge the submission, manage the lender, valuation and any conditions, and keep you updated.
We coordinate settlement, then review your loan periodically to make sure it still stacks up.
A free, obligation-free consultation — in the Adelaide CBD, by phone or by video.