You don’t have to be an investor yet to benefit from the lending expertise that savvy investors trust
We act on your behalf to find you the best home loan for your individual situation from a panel of banks and lenders we are accredited with.
Compare lenders more efficiently
Find a lender quicker without visiting banks or wasting time completing application forms.
Get incredible interest rates
We’re able to negotiate a sharp interest rate based on the strength of your application.
Simplify applying, speed-up approval
We prefill forms and ensure your application meets lenders requirements before submission.
- Get approved – even if other lenders have said ‘No’
- Access the lowest rates & best loan structures
- Specialists in trust structures & complex loan applications
- Step-by-step support from a dedicated finance strategist
How much does it cost to use a Mortgage Broker?
Our services are completely free for all home and investment loans. We get paid by the lenders for doing the work, collating your loan application and meeting with you. This work would otherwise be done by a bank manager or branch lender so you get access to the same rates as if you went to the lender directly.
The benefit for you is that unlike when dealing with one bank, we can help you work with a wider variety of lenders and get the best options that work for you choosing from our panel of over 50 banks and lenders!
Why engage a specialist investment mortgage broker to help me find the right home loan?
For many Australians the family home is the largest asset held on there balance sheet. At the same time, property is a broadly held asset class, with many Australians preferring to acquire there primary residence prior to building there investment assets (such as stocks, bonds and direct property investments).
At Next Home Loans, not only do we specialise in helping property investors find and structure the best loans for long-term success, we help home buyers get off to the very best start
We recognise your home is one of the most significant purchases you’ll make in your lifetime – we also understand the importance of setting the right foundation when buying a home, so as not to compromise your future investment options, whatever they may be.
Experience has shown us repeatedly, that while some loans look good on the surface they can make it near impossible to access future lending opportunities without huge costs or dramatic restructures. Whilst you may not be thinking about the role your home will play in building your future wealth, you don’t want to unintentionally ‘close the doors’?
Consider the following case study…
Case Study: Natasha and Nigel
For Natasha and Nigel, we were able to achieve a higher deposit for their new home purchase (which is a non-deductible asset) while also able to preserve the tax deductibility (approx. $15,750* deduction p.a.) of their investment portfolio…
The Situation:
Natasha and Nigel had outgrown their current home and were wanting to significantly upgrade. Before they could afford their dream home, they would need to sell their current home.
The challenge was that they had an investment loan secured against their current home which a bank representative advised they would need to extinguish when their current home was sold.
The Solution:
Rather than paying out their investment loan and losing the tax deductions which were tied to their investment portfolio, we arranged for a security substitution with their current lender (contrary to what the bank representative had indicated) and obtained pre-approval for their new home purchase at the same time.
On the sale of their current home, their investment loan was secured with a term deposit.
On the purchase of their new home, the funds held in term deposit were released and used to reduce their home loan. Their investment loan was then re-secured against their new home to preserve their tax deductions.
What does the right home loan look like, and how can you avoid compromising your future options?
- If you want to invest in property
- If you want to utilise the equity in your property
- If your financial position changes and you need to sell quickly
- If you wish to borrow for another major purchase
A lender might approve a loan for someone to buy land but then not approve the loan to build a house on it!
Our loan assessment process is thorough. We look at your needs now and in the future and make sure that we are getting you the best loan for your needs.
Consider the impact of the following...
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- We help you get approved for the right mortgage today
- Position you to take advantage of other opportunities in the future
Unlike many other mortgage brokers, we are completely transparent and never take ‘kick backs’ from banks or lenders. We are 100% focused on YOUR best interests.
Why use a mortgage broker when you can get a loan through your bank?
Get a loan with Next Home Loans
- We take extra time up front to go through your full situation and provide a complete lending solution.
- Our brokers will look at your needs now and into the future, to make sure you have the best possible loan that looks after all of your needs.
- A mortgage broker acts on your behalf to arrange a home loan through a bank or lender. Australian banks and lenders have different policies and loan requirements, and it is a brokers job to find a loan from one of these parties that fit with your individual situation.
Dealing directly with a lender
- Many banks have a "quantity over quality" policy, meaning that they care more about adding to their quota than about your financial future.
- Lenders can only offer you a limited selection of loan products. There's no guarantee that you're getting the best deal available.
- Due to the complexity of mortgage applications, sometimes even the bank staff don't know their bank's policies! This can lead to delays in your loan application, and in some instances your loan will get declined for no good reason.
Additional reasons why our clients prefer a mortgage broker over a bank...
Buying a home is exciting – but it can also be daunting. Many of our clients find comfort in knowing they can ask us anything and we’ll gladly help. Common questions include:
- How much can I borrow?
- Should I choose a fixed or variable loan?
- How long will it take to get approval?
- How can I strengthen my application?
- What should I look out for?
It is important to note: The answers to these questions can vary widely between lenders!
When you work with Next Home Loans, you work one-on-one with a Finance Specialist whose number one priority is to help you clarify and achieve your goals.
For most of our clients this means getting approved for a home loan with the lowest possible rate to keep repayments low, and an optimal structure to ensure future opportunities remain accessible.
We will work with you personally and take the time you need. We’ll never talk down to you or make you feel like a ‘fish out of water’. You’ll be in good hands and together we’ll make your home-ownership dream, a reality.