Free Mortgage Assessment. Contact Today!!!
Free Mortgage Assessment. Contact Today!!!
At Nice Loans, we help Australians secure competitive home loans with confidence. Best of all, our service is completely free. Whether you’re buying your first home, refinancing or investing, we compare over 40 lenders, manage the paperwork and guide you through every step of the process.
Answer a few quick questions and we'll find the right solution for you.
Select the option that best matches your situation.
Enter the purchase price, how much you'd like to borrow, and your deposit amount.
Based on your loan amount, here is what repayments could look like at current market rates.
How will you be securing this loan?
You may be eligible for the Queensland First Home Owner Grant (FHOG) and stamp duty concessions.
This helps us identify which lenders and products suit you best.
Be as honest as you can — it helps us find the right lender for your situation.
We'll calculate your available equity and find you a better deal.
Based on your refinance amount, here is what repayments could look like.
This helps us identify which lenders and products suit you best.
Be as honest as you can — it helps us find the right lender for your situation.
Select your land situation, then enter the values. Total project value is calculated automatically.
This can be up to your total project value, depending on your deposit.
Based on your construction loan amount, here is what repayments could look like.
How will you be securing this construction loan?
This helps us identify which lenders and products suit you best.
Be as honest as you can — it helps us find the right lender for your situation.
We'll use this to get back to you, usually within one business day.
We compare loans from 40+ Australian Lenders Including
No two borrowers are the same. Whether you’re a first-home buyer or seasoned property investor, we have the expertise and lender access to find the right loan for your situation.
Buying your first home can feel overwhelming, but it doesn’t have to be. Nice Loans can help you navigate government incentives, including the First Home Owner Grant (FHOG), stamp duty concessions, the First Home Guarantee and lender policies that support low deposit borrowers.
You could be paying more than you need to on your current mortgage. Whether you’re looking to reduce your repayments, access equity, consolidate debt, or secure better loan features, we’ll compare your existing loan against our lender panel and manage the entire refinancing process for you.
Building a property portfolio requires a strategic approach to lending. We help investors structure loans to maximise borrowing capacity, improve cash flow, utilise offset accounts and access flexible lending options that align with long-term investment goals.
Whether you’re purchasing your first home, upgrading to a larger property or relocating, we can help you find a home loan with competitive rates and features that suit your lifestyle.
Found your next home before selling your current one? We can help structure bridging finance solutions that give you flexibility and confidence during the transition.
Building your dream home or undertaking a knockdown rebuild? We manage the complexities of construction lending, including progress payments, interest-only construction periods, and lender-specific requirements.
A guarantor loan allows an eligible family member to use a portion of their property’s equity to support your purchase. This can reduce your deposit requirements and may help you avoid paying Lenders Mortgage Insurance (LMI).
Looking to purchase an investment property through a self-managed super fund? We can help navigate the specialised lending structures and compliance requirements associated with SMSF property lending.
Understanding your borrowing power is an important first step when seeking a home loan. Our borrowing capacity calculator provides an instant estimate based on your income, expenses and deposit. You can also book a free consultation with us to get your accurate borrowing power. Our calculator considers:
Adjust the sliders to get an instant estimate
As an independent, client-first mortgage brokerage, we believe mortgage broking should be simple, transparent and focused entirely on your goals.
Our advice and support come at no cost to you. We receive a commission from the lender after settlement, meaning you’ll never pay broker fees.
From major banks to specialist lenders, we compare a wide range of options to help you find the most suitable loan for your circumstances.
Loan applications can be complex and time-consuming. We manage the entire process, reduce stress and keep everything on track.
Whether you’re employed, self-employed, investing or purchasing your first home, we tailor recommendations to your financial situation and future goals.
Nice Loans holds an Australian Credit License (ACL) 390261 and operates under the National Consumer Credit Protection Act.
Although we’re based in Chermside, Brisbane, we assist clients across every Australian state and territory through phone, video, and in-person appointments.
Here, we’ve simplified our brokering process into four straightforward steps.
We start by understanding your goals, financial situation and borrowing needs. No pressure, no obligation, just honest advice.
We compare over 40 lenders and present suitable options based on rates, features, borrowing capacity and approval likelihood.
We prepare and submit your application, liaise with the lender and keep you informed throughout the approval process.
Our support doesn’t end at settlement. We continue reviewing your loan over time to ensure it remains competitive as market conditions change.
We are overwhelmed with our clients' overwhelming positive reviews and feedback.
Based in Chermside, Brisbane, Nice Loans is an independent mortgage brokerage, serving clients across several Australian states and territories.
Our services are available across Australia. Whether you’re in Brisbane, Sydney, Melbourne or anywhere in regional Australia, we can help you find and secure the right home loan via phone, video call or in-person.
Whether you’re buying your first home, refinancing an existing mortgage, investing in property, or building a new home, we provide personalised advice, expert guidance, and access to a wide range of lenders, all at no cost to you. Our mission is simple, making home lending easier, more transparent and better aligned with your financial goals.
When you approach a bank directly, you’re limited to the bank’s products and lending policies. However, under Australia’s Best Interests Duty, mortgage brokers are legally required to act in their clients’ best interests when providing credit assistance. Therefore, a mortgage broker gives you access to multiple lenders and compares options on your behalf, helping you identify loans that perfectly suit your financial circumstances.
At Nice Loans, we compare interest rates, loan features, offset accounts, redraw facilities, your borrowing capacity, fees and charges and miscellaneous approval requirements to help you land the best.
Australia offers several government schemes to help first-home buyers enter the property market. These include the First Home Owner Grant (FHOG), which varies by state, the First Home Guarantee (formerly FHLDS), allowing eligible buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance, and the First Home Super Saver Scheme (FHSSS). Our brokers are familiar with every active scheme and can help determine which options may apply to your situation.
If you have had your mortgage for more than a couple of years, there’s a high chance that better options are available. A refinance could help you access lower interest rates, reduce repayments, access equity, consolidate debt and improve your overall loan features. At Nice Loans, we offer a free home loan health check before helping you manage your refinancing process from start to finish.
Whether you're buying, refinancing, or investing, Nice Loans can help you navigate your home loan journey with confidence. Speak with us today and discover how simple finding the right home loan can be.
