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📌 Servicing Hobart & Greater Tasmania

Your Mortgage Broker for Hobart

From Sandy Bay to Glenorchy, Kingston to Lindisfarne, Nice Loans helps Hobart home buyers, property investors, and refinancers compare more than 40 lenders and navigate Tasmania’s changing grant and stamp duty requirements. 

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Remote service across Tasmania. Nice Loans assists clients throughout Hobart & Tasmania by phone, email and video call. Most of the mortgage process can be managed remotely, with electronic document collection & signing available where the lender supports it.

40+ Lenders compared
$798,156 Hobart median house value
8.1% Annual dwelling growth
4.7% Unit gross rental yield
Free* Broker service

We compare loans from 40+ Australian Lenders Including

Mortgage Broker Hobart

Home Loan Guidance For Hobart, Built Around Tasmania’s Market

Hobart has a property market unlike any other Australian capital. This compact city combines heritage architecture, kunanyi/Mount Wellington, the Derwent River and well-known cultural destinations including MONA and Salamanca Market. With housing supply remaining limited and property types varying across the city, buyers, refinancers and investors can face different lending considerations depending on what and where they are purchasing. 

Nice Loans works with Hobart clients remotely through phone, email and video call. We compare loan options across 40+ lenders and help clients understand Tasmania’s current grant and transfer duty settings. Our lending comparisons can also take into account property types found throughout Hobart, including heritage homes, Eastern Shore units and properties in outer suburban growth areas.

Our Home Loan Process

Tasmania’s first-home buyer settings changed from 1 July 2026. The transfer duty exemption for established homes is no longer available for purchases settling after 30 June 2026. Eligible new-home transactions commencing between 1 July 2026 and 30 June 2027 may qualify for a $20,000 FHOG. During the free initial consultation, we can help you understand the current requirements and review how they may apply to your circumstances.

Hobart Property Market - 2026
$798,156

Median House Value

↑ 7.9% YoY
$599,373

Median Unit Value

↑8.7% YoY
22 Days
Median days on market
House listings −2.5% YoY Unit listings −15.4% YoY
4.4%
Gross rental yield
Units: 4.7%

Sources: Cotality Home Value Index, results as at 31 August 2026. Median selling time and listing changes are from NAB’s Hobart Property Market Insights, using data through June 2026. Figures should be reverified quarterly.

MONA & cultural tourism demand

Tasmania recorded 1.36 million visitors in the year ending September 2025, its highest total since the COVID-19 pandemic. Hobart was also named by Expedia as one of its ten global destinations of the year for 2026. Attractions and events such as MONA and Dark Mofo continue to support accommodation demand. For short-stay investors, returns can vary by location, property type, occupancy, expenses and planning requirements, so expected net returns and council approval should be checked before purchasing.

Sea-change migration & undersupply

Hobart’s rental market continues to face limited supply. SQM Research recorded a vacancy rate of 0.7% in June 2026, among the lowest of Australia’s capital cities. Tasmania’s recent population growth has been driven mainly by overseas migration, while residential construction remains below long-term averages. With construction commencements still lagging, additional housing supply may take time to reach the market.

University of Tasmania precinct

The University of Tasmania’s Sandy Bay campus and Hobart CBD facilities support ongoing rental demand from students and staff. This demand extends into nearby suburbs such as Sandy Bay, North Hobart and New Town, where proximity to the university and central Hobart can appeal to residents, students and property investors.

Suburb diversity & price stratification

Greater Hobart includes suburbs with a wide range of property values and market characteristics. Sandy Bay and Battery Point generally have higher median house prices, while Glenorchy, Moonah and parts of the outer northern suburbs and Derwent Valley may offer lower entry points and stronger gross rental yields. Property type, condition and location can significantly affect performance, so investors should assess the costs and expected net return of each property rather than rely on suburb-wide averages alone.

Tasmania-Specific Guidance

First Home Buyer Support in Tasmania

Tasmania’s first home buyer landscape changed significantly on 1 July 2026. For anyone looking to purchase in Hobart, it’s important to understand which concessions remain available and which have now ended. We can review your circumstances and explain where you may stand during a free 30-minute call.

First Home Owner Grant (New Homes)

$20,000

Eligible transactions between 1 July 2026 and 30 June 2027 may qualify for a $20,000 First Home Owner Grant (FHOG) when building or buying a new home that has not previously been occupied or sold as a residence. There is no property value limit, but buyers must move in within 12 months of completion and live there as their principal residence for at least six continuous months.

Stamp Duty Exemption (Established Homes)

Ended
Expired 30 June 2026

The 100% transfer duty exemption for eligible established homes up to $750,000 ended on 30 June 2026. Unless another concession or exemption applies, standard Tasmanian transfer duty will generally apply. We can estimate the potential duty payable to help you plan for this cost.

Stacking Schemes

Combine

Eligible first home buyers may be able to combine the $20,000 Tasmanian FHOG with the Australian Government 5% deposit scheme when buying a qualifying new home. Each program has separate eligibility criteria, and the lender will determine how the grant is treated in the loan application. The previous transfer duty exemption for established homes ended on 30 June 2026.

5% Deposit Scheme (Federal)

No LMI

The Australian Government 5% deposit scheme may allow eligible first home buyers to purchase with a minimum 5% deposit without paying Lenders Mortgage Insurance (LMI). The government provides a limited guarantee to the participating lender, while the borrower remains responsible for the full loan. There are no income caps, waiting lists or limits on scheme places, but eligibility, lender requirements and Hobart’s $700,000 property price cap apply.

MyHome Tasmania

Shared-Equity Assistance

Tasmania’s shared equity program may allow eligible buyers to purchase with a minimum 2% deposit. Homes Tasmania may contribute up to 40% or $300,000 for a new home, or up to 30% or $150,000 for an existing home. Property price caps are $800,000 for new homes and $750,000 for existing homes, and the equity share must be repaid within 30 years.

Who We Help

Hobart Home Loans for Every Buyer Type

Hobart’s market spans everything from entry-level units in Glenorchy to seven-figure heritage homes in Sandy Bay. The right loan structure looks very different depending on where you’re buying and why.

First Home Buyers

$798,156
Hobart median house value

Hobart's median house value remains below Sydney's & Melbourne's, although affordability depends on your income, deposit & the property selected. Calculate your property transfer duty, confirm your FHOG eligibility & assess whether the Australian Government 5% Deposit Scheme applies before you start inspecting.

You may want help with
  • Providing an indicative transfer duty estimate
  • Confirming your FHOG eligibility ($20,000 on new builds)
  • Assessing whether the Australian Government 5% Deposit Scheme (5% deposit with no LMI) applies to your situation before you start inspecting
See first home buyer information

Investors

8.1% growth
Annual dwelling growth, with 4.7% unit yields and 0.7% rental vacancy

Hobart's growth, yields and tight rental vacancy make it one of compelling investor markets right now. Short-stay accommodation may produce higher gross revenue in some tourism-oriented locations, but results may vary substantially by property, occupancy, management costs & local planning requirements.

You may want help with
  • Structuring interest-only periods and offset accounts
  • Portfolio lending options suited to your investment strategy
  • Identifying lenders comfortable with Hobart's mix of heritage and high-density stock types
See investment loan options

Upgraders & Refinancers

1.1% below peak
Hobart values have recovered significantly

If you have owned your Hobart property for several years, recent market growth may have increased your available equity. Refinancing could provide access to a different interest rate, loan structure or usable equity, subject to your circumstances, lender approval and the overall costs.

You may want help with
  • Releasing equity for a renovation or second property
  • Exploring opportunities in the Derwent Valley corridor
  • Running a full lender comparison and handling the switch end to end
See refinancing options
Our Services

Home Loan Services Available in Hobart

Owner-Occupier Loans

Whether you’re purchasing your first home or already own a property, we can help you compare loan structures suited to your circumstances. This may include looking at fixed and variable rates, repayment options, offset and redraw facilities, along with loan features that can influence the overall value and suitability of the loan.

Explore Owner Occupier Loans

Investment Loans

Investment finance needs to fit your existing financial position while complementing your wider property investment plans. We help Hobart investors compare available investment loan options and understand how different lending structures may influence cash flow, usable equity and your ability to borrow in the future.

Explore Investment Loans

Refinancing

Reviewing your existing mortgage can create an opportunity to secure a lower interest rate, restructure your loan, access available equity or consolidate eligible debts. We can compare your current loan with options available through our lender panel and help you determine whether refinancing could offer a worthwhile benefit based on your circumstances.

Explore Refinance Loans

Guarantor Loans

For some eligible borrowers, a family guarantee can make it possible to purchase a property without saving a traditional 20% deposit. With a guarantor loan, an eligible family member can potentially use equity in their own property as additional security for the loan. Depending on the lender and how the transaction is structured, this may lower the deposit requirement and could help avoid LMI.

Explore Guarantor Loans

SMSF Loans

Factors such as fund structure, investment strategy, trust arrangements, property type and individual lender requirements all need to be assessed when purchasing property through an SMSF. We can work with your accountant or financial advisers to coordinate the finance side and identify lenders offering suitable SMSF lending solutions.

Explore SMSF Loans

Construction Loan

Construction loans are generally arranged around progress payments, with funds released as specified stages of the build are completed. Whether you’re buying vacant land, constructing a new home or planning a knockdown rebuild, we can explain how construction finance is structured and help assess lenders that may be appropriate for your project.

Explore Land & Construction Loans

Upgrader & Bridging Loans

If you need to purchase your next property before your existing home has sold, a bridging loan can provide short-term finance to help manage the gap. This type of lending can offer additional flexibility when the timing of your property purchase and sale does not align.

Explore Bridging Loans

Development Finance

Property development projects can require a level and structure of funding that goes beyond a standard residential home loan. Nice Loans can help developers investigate finance options appropriate to the size and structure of their project while coordinating with relevant professional advisers where required.

Explore Development Finance
Free Tools

Work Out Your Numbers Before You Talk to a Lender

Before approaching a lender, it helps to have an understanding of your potential borrowing capacity, upfront purchase costs and estimated repayments. Having these figures in mind can help establish a realistic budget and avoid looking at properties beyond what you can comfortably afford.

Stamp Duty Calculator

Use our stamp duty calculator to estimate the potential transfer duty payable on a property purchase and get a better indication of your upfront costs.

Calculate stamp Duty
Start Here

Borrowing Power Calculator

Get a general indication of your potential borrowing capacity by considering factors such as your income, existing debts, household expenses and other financial commitments.

Check your borrowing power

Loan Repayment Calculator

See how changes to your loan amount, interest rate or loan term could influence your expected repayments. Compare weekly, fortnightly and monthly repayment amounts.

Estimate repayments

FHOG Calculator

Check whether you may potentially be eligible for the Tasmanian First Home Owner Grant based on your proposed property and individual circumstances.

Check your FHOG eligibility

Rental Yield Calculator

Calculate the potential gross rental yield of an investment property by comparing its value with the rental income you expect to receive.

Calculate rental yield

DTI Calculator

Calculate your debt-to-income ratio to understand how lenders assess your borrowing capacity, particularly for higher LVR and investment loan applications.

Check your DTI ratio
View All 30+ Calculators
The Process

How We Work With You

Our process is built around four stages, giving you a straightforward path from the initial conversation through to settlement. We keep communication clear, so you know exactly what is happening at each stage.

1

Free Discovery Call

In our initial conversation, we’ll discuss your property plans, income, available deposit, existing financial commitments and exactly what you need your loan to do for you.

2

Loan Comparison

Once we have a better picture of your position, we assess your borrowing circumstances and look at lenders whose lending policies may suit your application.

3

Application & Approval

If you choose to move forward, we help prepare and lodge your application and work with you to organise the supporting documents required by the lender.

4

Settlement & Beyond

We remain available through settlement and beyond. We can continue to review your lending position as your circumstances change.

Why Nice Loans

Why Hobart Clients Choose Us?

Tasmania-specific expertise

We understand Tasmania’s post July 2026 grant landscape, current FHOG eligibility requirements and lender appetite for heritage properties, short-stay accommodation and high-density stock across Hobart’s different suburbs.

40+ lenders in one conversation

Instead of approaching lenders one at a time, we can compare options across more than 40 lenders as part of the same process. This includes major banks, credit unions, second-tier lenders and non-bank lenders.

Zero cost to borrowers

There is no cost to you for our credit assistance, application support or ongoing broker service in most cases. When your loan settles, we receive a commission from the lender, meaning you can access our mortgage broking service without paying a fee.

Fully remote, fully flexible

You don’t need to travel to access our service. Most of the mortgage process can be managed remotely by phone, email & video call, with electronic document collection & signing available where supported by the lender.

Best-interests duty

Suman is a credit representative authorised under Australian Credit Licence 390261. When providing regulated credit assistance, he must act in the consumer's best interests & prioritise the consumer's interests when a conflict arises.

Annual loan reviews

Your mortgage may not remain the right fit forever. As part of an annual review, we compare your existing loan with potentially suitable options available through our lender panel, helping you reassess your current lending suitability.

Your Broker

Meet Suman Nepal: Nice Loans Mortgage Broker

Suman Nepal — Principal Mortgage Broker, Nice Loans
Suman Nepal
Principal Mortgage Broker · Nice Loans

Suman has helped buyers, refinancers and investors across Australia navigate the home loan process, including clients across Hobart & regional Tasmania serviced remotely. As an accredited mortgage broker with Vow Financial, Suman compares suitable loan options from panel of more than 40 Australian lenders. This allows him to compare a wide range of home loan products, helping you find competitive interest rates, flexible features and loan structures that best suit your circumstances. Also bound by the Best Interests Duty (BID), he has a legal obligation that requires him to act in his clients' best interests at all times.

MFAA Accredited Vow Financial Aggregator Best Interests Duty Services All of Australia AFCA Member
Why Choose Us

What Our Clients Say

A Trusted Mortgage Broker Helping Clients Across Australia

We appreciate the positive feedback shared by our clients

testimonial client
testimonial client
testimonial client
 
 
 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
⭐️⭐️⭐️⭐️⭐️ Had an amazing experience with Nice Loans. Big thanks to Suman Nepal and Akriti Maharjan for making my loan process smooth and stress-free. They were professional, supportive, and always clear with communication. Highly recommend their service!
  
 
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 R Khadka profile picture 
 
 
 R Khadka 
 
 
 
 
  
 
 
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Thank you nice teams especially suman dai and aakriti ji for assisting from the start till the end and guiding throughout the whole process. Highly appreciated and recommends to others. Thank you again.
  
 
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 L lance profile picture 
 
 
 L lance 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
The service provided by the Nice Loans team, especially Suman and Akriti, was exceptional. They were consistently available, highly professional, and patient in guiding me through my application. Despite last-minute challenges from the bank, they secured all approvals on time for the settlement of my first home in Australia. I highly recommend this customer-focused team for any home loan needs. Thank you, Suman and Akriti, for your outstanding support.
  
 
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 P Kumar, profile picture 
 
 
 P Kumar, 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
It was an excellent professional service received from Nice Loans team- Suman was great in securing my home loan, refinancing and dealing with banks making the whole process so smooth and informed. Akriti kept communicating informations timely and providing quick replies to my loan/banking enquiries. In the past I had my house rented through Nice team and that went very well (thanks to Milan and Suman) that is why I am again with them for new home loan and refinancing. I would recommend Nice Loans for anyone reading this review.
  
 
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 A Koirala profile picture 
 
 
 A Koirala 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
⭐⭐⭐⭐⭐ We had an excellent experience with Suman Dai and Akriti from Nice Loans. From the very beginning, they made the entire process smooth, simple, and completely stress-free. They were professional, approachable, and always ready to answer any questions, which made everything much easier and less overwhelming. I truly appreciated their guidance and support throughout the process. If you’re looking for a team that is reliable, efficient, and genuinely cares about their clients, I highly recommend Suman Dai and Akriti at Nice Loans. Highly recommend 👌 👍 👏 🙌
  
 
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 A Arki profile picture 
 
 
 A Arki 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Overall experience was great! The transparency from Suman dai and team helped us figure out the right way of achieving our home loans. Aakriti sister and Milan dai have also been with us all the way through the process for any question we may have. With our personal ups and downs, they were all with us being very supportive. Thank you so much to the whole team for your amazing efforts to make it all happen for us. Definitely recommending to our circle!!
  
 
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 E Shahi profile picture 
 
 
 E Shahi 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Suman and Aakriti were super efficient and knowledgeable—got me a great rate with zero hassle. I’ll definitely use them again for my next property purchase.
  
 
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 P and profile picture 
 
 
 P and 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I would like to thank the Nice Loan Team, Suman Ji & Akriti Ji for helping me and my husband with buying our second home. Very much expertise and professional team made our process assuring and smooth throughout. Thank you once again. Sarmila and Kabin
  
 
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 S Limbu profile picture 
 
 
 S Limbu 
 
 
 
 
  
 
 
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We are very thankful for all your service ,support, advice, prompt reply and guidance to get home loan and refinance journey to make our dream come true. We would highly recommend Suman ji and Akriti Ji. Thank you.
  
 
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 K Dyolanepali profile picture 
 
 
 K Dyolanepali 
 
 
 
 
  
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
It was a pleasure to work with Nice Loan team for our first home loan.  Special Thanks to Suman Nepal Dai, Aakriti Mam, Milan Dai and entire team for helping us throughout the process. They are very reliable, trustworthy, and very good with responding our queries quickly via phone calls and emails. Being a first home buyers we had a lot of questions and doubts regarding home loan but Suman Dai explained everything in details which made all clear. They are very professional, experienced team with good knowledge, they will explain the entire process and ensure that we are comfortable with home loan process. They have clearly guided us in each and every steps which made our journey smooth. I would highly recommend Nice Loan Mortgage broker  to those who are looking for Home Loan. Once again thanks to entire team for making our journey smooth and stress free. We are thankful for your support and guidance.
  
 
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 B Maharjan
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4.9
★★★★★
Based on Google Reviews
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All Suburbs Supported across Hobart & Tasmania

We assist clients across all of Greater Hobart and regional Tasmania. Each area has distinct pricing dynamics and buyer profiles; suburb-specific pages are coming soon.

Can't find your suburb? We've got you covered.

Nice Loans provides remote mortgage broking support across Greater Hobart and Tasmania.

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Common Questions

Frequently Asked Questions

No. Mortgage broking can be handled remotely by phone, email and video call. Nice Loans works with Hobart clients remotely, helping them understand Tasmania’s current grant and transfer duty settings while comparing lender policies relevant to different property types and borrower circumstances.

Eligible transactions commencing between 1 July 2026 and 30 June 2027 may receive a $20,000 First Home Owner Grant for a new home that has not previously been occupied or sold as a residence. The previous $30,000 grant applied to eligible transactions commencing by 30 June 2026. There is currently no property value cap, but all eligibility requirements must be met. Buyers must begin living in the home within 12 months of completion and occupy it as their principal residence for at least six continuous months. We can help check your potential eligibility and coordinate the application with your lender or approved agent.

No. The 100% transfer duty exemption on established homes up to $750,000 is unavailable for purchases settling after 30 June 2026. Standard transfer duty now generally applies unless another concession or exemption is available. However, eligible new-home transactions commencing between 1 July 2026 and 30 June 2027 may receive the $20,000 First Home Owner Grant. We can provide an indicative duty estimate during your initial assessment.

Nice Loans does not charge borrowers a broker fee for standard residential mortgage broking services. We are generally paid a commission by the lender when your loan settles, with the amount disclosed in writing before you proceed. Lender, government and third-party fees may still apply.

Hobart remains an active investment market. As of August 2026, Hobart dwelling values were up 8.1% annually, while the gross dwelling rental yield was 4.4%. Market conditions & investment performance vary by property type, location, purchase rice, expenses & financing costs.

We assist buyers, investors and refinancers throughout Greater Hobart and across Tasmania, from Sandy Bay, Battery Point and Glenorchy to Kingston, Launceston, Devonport and Burnie. Wherever you are in Tasmania, our remote mortgage broking service is available to help.

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