Free Mortgage Assessment. Contact Today!!!
Free Mortgage Assessment. Contact Today!!!
Answer a few quick questions so we can understand your situation and discuss possible options.
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, the following estimate illustrates repayments using interest rates from 6% to 7% p.a.
How will you be securing this loan?
You may be eligible for federal and state or territory first-home-buyer assistance. Available grants, concessions, property limits and eligibility requirements depend on where you purchase.
This helps us discuss potentially suitable options available through our lender panel.
Be as honest as you can — it helps us find the right lender for your situation.
We’ll provide an indicative equity calculation and compare your existing loan with potentially suitable refinancing options available through our lender panel.
Based on your refinance amount, the following estimate illustrates repayments using interest rates from 6% to 7% p.a.
This helps us discuss potentially suitable options available through our lender panel.
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.
Enter the amount you would like to borrow. The amount available is subject to lender assessment, valuation and lending criteria.
Based on your construction loan amount, the following estimate illustrates repayments using interest rates from 6% to 7% p.a.
How will you be securing this construction loan?
This helps us discuss potentially suitable options available through our lender panel.
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.
By submitting this form, you agree that Nice Loans may use the information provided to respond to your enquiry in accordance with our Privacy Policy.
*Fees may apply to some loan types or complex applications. Any applicable fee will be disclosed in writing before you proceed.
We compare loans from 40+ Australian Lenders Including
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.
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 compare loan structures, repayment options and features that may support their borrowing capacity, cash flow objectives, utilise offset accounts and access flexible options that align with investment goals.
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.
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 staged progress payments, lender-specific requirements & interest-only payments during construction, where available & applicable.
Need funding for your next development project? Nice Loans helps in securing development finance for residential & commercial projects. We can guide you through feasibility assessments, lender requirements, staged funding, & settlement.
Adjust the sliders to get an instant estimate
Our credit assistance and support come at no cost to you in most cases. 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 operates as a Credit Representative (CRN 560610), authorised under Australian Credit Licence 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 by phone, video, and in-person appointments.
We start by understanding your goals, financial situation and borrowing needs. No pressure, no obligation—just clear, straightforward credit guidance.
We compare potentially suitable options available through our approved lender panel. We consider rates, fees, features, borrowing capacity and relevant lender criteria.
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. You can contact us for periodic loan reviews, during which we can compare your existing loan with potentially suitable available options.
We appreciate the positive feedback shared by our clients
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
Trustindex verifies that the original source of the review is Google.
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 credit assistance, 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 may suit your 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 compare suitable options.
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 Australian Government 5% Deposit Scheme and the First Home Super Saver Scheme (FHSSS).
From 1st Oct 2025, the Australian Government 5% Deposit Scheme allows eligible first home buyers to purchase a home with as little as 5% deposit without LMI. The scheme now has no income caps, no waitlists, and unlimited places available. Eligible single parents & legal guardians may qualify with a deposit of just 2%.
We can help you understand common federal & state-based schemes that may be relevant to your circumstances. That’s why we recommend confirming eligibility with the relevant government body.
If you have had your mortgage for several years, it may be worth checking whether your current loan remains competitive & suitable for your circumstances. Refinancing may provide you access to a different interest rate, loan features, debt-consolidation options or usable equity. However, it can also involve fees, a longer loan term & higher total interest rates, so the overall benefit should be assessed carefully. 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.
