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Remote service across Victoria. We understand the Victorian property market, including stamp duty concessions, first home buyer incentives, and construction lending for new homes in Melbourne’s growth areas. Nice Loans is adept at working via phone, email, and video calls, making the home loan process simple, convenient, and flexible.
We compare loans from 40+ Australian Lenders Including
Median House Value
Median Unit Price
Avg Days on Market
Median Asking Rent
House and unit figures are sourced from Cotality’s Home Value Index (August 2026), based on data through 31 July 2026. Median days on market and house rental value are based on Cotality data for June 2026. Figures use different reporting periods & may be revised; market conditions vary by suburb and property type.
Buying your first home, upgrading or purchasing your forever home? We’ll compare suitable lenders, explain your options clearly and assist with the application process from pre-approval through to settlement.
Property investing is about more than securing a competitive interest rate. We help investors structure lending to maximise borrowing capacity, improve cash flow and support future purchases as their portfolio grows.
If your current mortgage no longer suits your needs, then refinancing may provide you access to different interest rates, repayment structures, usable equity or eligible debt consolidation options. We’ll compare options across our lender panel and manage the switch from start to finish.
A guarantor loan allows eligible family members to use part of the equity in their home to support your purchase. This may reduce the deposit required, improve borrowing capacity and help avoid Lenders Mortgage Insurance.
Purchasing investment property through a Self-Managed Super Fund requires specialist lending knowledge. We work alongside your licensed financial adviser, accountant and solicitor to compare potential options and assist with lender requirements.
Whether you’re building a new home or undertaking a knockdown rebuild, we’ll help structure your construction loan, assist with lender requirements & the coordination of staged progress payments.
Buying in Sydney before your current home sells? A bridging loan may provide the flexibility to purchase first and sell later, reducing pressure and giving you more control over your move.
Planning a property development in Sydney? Development finance can provide the funding you need to acquire land, manage construction costs and help you complete the project with confidence.
Planning ahead starts with understanding your borrowing position. Our free home loan calculators help you estimate costs, compare scenarios and compare indicative scenarios before applying for finance.
We have streamlined the mortgage process into four straightforward steps, providing clear guidance from initial consultation through to settlement & beyond.
Every lending journey starts with understanding your goals. Our consultation is completely obligation-free and designed to help you understand potential lending options & possible next steps.
We assess your borrowing capacity and compare suitable options across our lender panel to present potentially suitable options available through our approved lender panel.
When you’re ready to proceed, we handle your paperwork and liaise with the lender. We work to keep everything moving efficiently while keeping you informed throughout the process.
We’re there on settlement day and beyond. We review your loan periodically & compare it with potentially suitable options available through our lender panel.
We compare home loans from more than 40 lenders, including major banks, regional lenders, credit unions and specialist non-bank lenders.
As mortgage brokers, we’re legally bound by the Best Interests Duty (BID). Every recommendation we make is in your best interests and not influenced by lender commissions or sales targets.
Our service is completely free for borrowers in most standard residential home loan cases. We’re paid by the lender once your loan settles, and all commissions are disclosed upfront, so you know exactly how we’re remunerated.
We track Victorian grants, duty thresholds and postcode-specific lending restrictions closely.
Whether you’re based in the Melbourne CBD, the suburbs or elsewhere in Victoria, we provide the same personalised service without the need for an office visit.
Not tied to any single bank, we compare potentially suitable home loan options available through our approved lender panel.
Suman has helped buyers, refinancers and investors across Australia navigate the home loan process, including a growing base of Melbourne clients serviced remotely. As an accredited mortgage broker with Vow Financial, Suman has access to a panel of more than 40 leading 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.
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Nice Loans works with home buyers, refinancers and property investors across Greater Melbourne, providing expert mortgage broking credit assistance wherever you are located.
Nice Loans operates 100% online across all of Greater Melbourne and all over Victoria.
✦Key Takeaways•Choosing the best home loan in Australia means considering more than just the lowest interest rate.•Understand loan types: variable, fixed, split, principal and interest, interest-only, and specific purpose loans.•Variable
✦Key Takeaways•First Home Owner Grant NSW provides $10,000 for eligible first-time buyers of new homes.•Government grants like FHOG and First Home Guarantee make buying property easier in NSW.•Eligibility for FHOG
✦Key Takeaways•Unlock Victorian first home buyer grants for $10,000 assistance.•Buying your first home in Victoria? Check FHOG eligibility now.•New homes under $750k qualify for the Victorian first home grant.•Must live
Not at all. Nice Loans works with Melbourne clients entirely through phone, email and video call, providing the same personalised mortgage advice without requiring an office visit.
A remote service doesn’t mean generic advice. We understand Melbourne’s property market, including lender policies for high-density CBD apartments, construction lending in growth corridors and postcode-specific valuation considerations that may affect loan approval.
You’ll still receive access to a wide range of lenders, expert loan comparisons and full support throughout the entire process, from pre-approval and application through to settlement.
Eligible first home buyers in Victoria may pay no stamp duty (land transfer duty) on properties valued up to $600,000, with a concessional rate available for eligible properties valued between $600,001 and $750,000.
These concessions can apply to both new and established homes, provided you meet the Victorian Government’s eligibility requirements. For properties above the concession thresholds, standard land transfer duty rates generally apply.
Because stamp duty can significantly impact your upfront costs, it’s important to factor it into your purchase budget early. As part of our free assessment, we’ll help you understand your potential stamp duty position and how it affects your overall borrowing requirements.
The FHOG and Victoria’s first home buyer duty exemption or concession are separate forms of assistance.
The duty exemption or concession reduces the land transfer duty payable when purchasing an eligible property. Eligible first home buyers may pay no duty on properties with a dutiable value of up to $600,000, while a concession may apply from $600,001 to $750,000.
The FHOG is a separate $10,000 payment available to eligible buyers purchasing or building a qualifying new home valued at up to $750,000.
Because each program has separate eligibility requirements, some buyers purchasing a qualifying new home may be eligible for both FHOG and a duty exemption or concession. Eligible buyers may also be able to use the Australian Government 5% Deposit Scheme, subject to eligibility requirements, price caps & participating lender assessment.
Nice Loans can help you identify such programs that are relevant and also explain lending requirements. Final eligibility & entitlement are determined under each program’s rules.
Using Nice Loans is free for borrowers in most standard residential home loan cases. There is no consultation fee, no upfront cost and no obligation to proceed with a loan application.
Mortgage brokers are generally paid a commission by the lender once a loan settles, rather than charging borrowers directly. Any commissions or fees are disclosed clearly before you proceed, so you understand how the service is structured.
As an accredited mortgage broker with Vow Financial, Suman Nepal is also bound by the Best Interests Duty (BID). This means he has a legal obligation to act in your best interests and recommend lending solutions based on your circumstances and needs.
Nice Loans provides mortgage broker services across Greater Melbourne, helping buyers, refinancers and investors throughout the metropolitan area.
We assist clients across Melbourne’s inner city, Docklands, inner north, inner east, eastern suburbs, bayside areas, western suburbs, northern suburbs and south-east growth corridors, including locations such as Cranbourne, Pakenham, Wyndham Vale and Melton.
Whether you’re purchasing your first home, refinancing an existing mortgage or investing in property, our team can help you compare loan options and navigate the lending process from wherever you are. Our fully remote service means you can access personalised mortgage advice by phone, email or video call without needing to visit an office.
