Free Mortgage Assessment. Hurry Up!!!
Free Mortgage Assessment. Hurry Up!!!
Powerful Tools For Home Loan Assessment
All the tools and calculators you need to make your home loan and mortgage easy. Find out your borrowing power, compare loan options, and calculate repayment amount effortlessly.
Whether you’re a first-time home buyer, upgrading, seeking an investment, or refinancing, start your research with our array of mortgage and investment calculators. Please don’t hesitate to contact us on 07 3114 2281 or book an appointment if you have any queries. We’re happy to help you.
Use this home loan calculator to find out the stamp duty you owe to your state or territory government when buying a property in Australia.
Find out how much you can comfortably repay, given your expenses and without impacting your lifestyle.
A free online budget planner and calculator to plan your monthly budget the smart way and achieve your savings target.
Identify the best mortgage solution for you by factoring in the loan term, interest rate, and fees you need to pay.
Use our compound rate calculator to see how your savings or investments might grow over the time with compound interest.
Easily calculate your annual gross income, yearly payable tax, and tax to gross income payable ratio. Find out what kind of mortgage you can afford.
Feeling overwhelmed with numerous home loans options? Narrow down your choices and find the affordable rate with our home loan comparison calculator.
Find out how much you can save on your home loan interest over the life of the loan if you use an offset account with our home loan offset calculator.
Calculate how long will it take to pay off your home loan and be mortgage free based on the interest rates and your repayments with our repayment calculator
Understand how long it will take to pay off your balance and how interest you'll pay over the time with our credit card calculator.
Calculate how much tax you should be paying with our income tax calculator. With just your annual gross income, find out how much tax you owe, along with your after-tax income.
Find out how your repayments and total costs change throughout the life of your loan, during the interest-only period, after the interest-only period ends and total cost of interest-only mortgage.
Estimate all the costs involved in selling your property. With a clear summary of expenses, fees, and commissions, you can understand the true cost of selling.
Find out if you can save money by switching to another mortgage, how long it will take to recover the cost of switching and benefits of making higher repayments instead of minimum repayments.
How much you are willing to spend on your property purchase costs? Find out how much stamp duty, fees & LMI will cost by using our property buying cost calculator.
Find out how much you will pay if you have to split between fixed vs. variable interest rates with our split loan calculator.
Use this calculator to find out how much you can save in interest and time by making one-off payments on your home loan.
Get closer to your savings goal. Be it a deposit for a new home or anything else. Use our savings calculator to see how you can increase your savings.
See how much you can borrow from a reverse mortgage, the growth of your loan balance and what you remaining equity might look like in the future.
Estimate how much time and interest you can save by paying off more than your minimum loan repayments. Let our extra repayment calculator help you.
Which is better for you? Renting or buying a home? Compare the cost of renting vs cost of buying a house and find out yourself.
Estimate your fortnightly or weekly home loan repayments in seconds. See what fits your budget by adjusting loan amount, rate, and term.
Find out how long will it take save for a home deposit based on your savings amount & frequency. Set a goal & track your timeline.
Find out how much deposit you may need for a property you're considering buying. Compare deposit percentages & find out the estimated amount.
Convert your weekly, fortnightly, or monthly income into an annual figure. Useful for budgeting & checking borrowing capacity.
Estimate home loan repayments based on loan amount, interest rate, and term. Find out the impact of changing repayments over time.
Compare repayments during an introductory (teaser) rate period vs after it ends. Understand the long-term cost before you commit.
Buying a home is one of the biggest financial decisions you’ll ever make in your life. We understand it’s quite stressful and overwhelming. But don’t worry, we are here to help you. At Nice Loans, we’re here to make the entire process clear, stress-free. and hassle-free, whether you’re buying your first home, refinancing, or building your dream property.
Don’t waste your precious time comparing lenders, interest rates, and endless loan features. Let us do the heavy lifting for you. We work with multiple lenders and financial institutions all across Australia. This gives you access to a wide range of loan options.
We take time to understand your situation, goal, and budget. Then we recommend the right loan solution, negotitated at a competitive rate. From pre-approval to settlement, we stay by your side and guide you at every step of the way, making sure that you feel confident and supported from start to finish.
Negotiating loan terms, paperwork, lender rules, and changing borrowing criteria can be confusing. It gets overwhelming especially with different policies around deposits, income proof, and loan structures. That's where Nice Loans makes a difference.
We are here to simplify everything for you. We explain your options in easy language; help you make smart decisions that will align with your long-term financial goals.
The process starts by discussing your needs, assessing your borrowing capacity, and establishing your long-term financial goals. We then determine exactly what type of loan and lender will suit your current situation.
We take care of all the documentation process like gathering and preparing file, conducting proprietary internal credit assessment. This crucial step help in drastically reducing the risk of rejection before the bank assesses your application.
Once your file is prepared and perfected, we submit it to the lender. Your file will be assessed by the lender and issues a conditional (or Pre-) Approval, confirming their intention to lend which subject to final checks.
We often conduct a property valuation upfront. A licensed valuer will be arranged who will independently assess the property. This helps in confirming the asset's true market value that directly determines your maximum borrowing power. Also, this figure is necessary to calculate your Loan-to-Value Ratio (LVR). It is necessary to secure a strong valuation to move forward quickly and also skip bottleneck later down the line.
This is the green light. Once all conditions (like valuation) are met, the bank confirms your loan. You will receive an unconditional approval letter from the lender that will allow you to satisfy the finance clause on your contract.
Next step is to review and sign the complex loan contracts. In order to that, we'll meet you in person ensuring every document is handled correctly. This prevents missed signatures that is quite common cause of settlement delays.
Finally, the day of settlement. We directly coordinate with the bank and your solicitor/conveyancer. Your new bank will transfer the funds, and the property will officially be yours. We manage this final step to keep your key collection process seamless.
Contact us today for any kind of mortgage solutions. We are here to help with all your needs. Don’t hesitate if you any questions for us.
