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Nice Loans helps Melbourne borrowers compare home loans from more than 40 leading Australian lenders. Whether you’re buying your first home, refinancing your current mortgage or growing your investment portfolio, we provide expert mortgage advice across Greater Melbourne, helping clients secure finance that suits their goals, budget and long-term plans.
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
Finding the right home loan in Melbourne means navigating one of Australia’s most fragmented property markets, a CBD apartment sector under lender scrutiny, a bayside strip with some of the country’s highest median prices, and outer growth corridors where new-build finance is the norm rather than the exception. Suman Nepal and the Nice Loans team work entirely by phone, email and video call to help Melbourne buyers, refinancers, and investors compare 40+ lenders and structure the right loan for their situation.
Being a remote service doesn’t mean a generic one. We track Victorian stamp duty thresholds, First Home Owner Grant eligibility, and the postcode-specific lending restrictions that apply across parts of the CBD, Southbanks and Docklands, so the advice you get is built around Melbourne’s market, not a national average. Whether you’re buying your first home in the north, upsizing in the east, or adding an investment property in the south-east growth corridor, we handle the process end to end.
Median House Price
Median Unit Price
Avg Days on Market
Median Asking Rent
Figures sourced from Cotality Home Value Index and Domain Rent Report, current as of May – June 2026. Melbourne’s dwelling values eased through autumn 2026 after a soft first quarter. Reverify quarterly, as monthly movements have been volatile across both the house & unit segments.
Victoria has its own stamp duty concessions, grants and federal support schemes, all with different eligibility criteria and property value thresholds. We’ll explain which incentives may apply to your purchase and help structure your home loan so you can make the most of the support available.
Eligible first home buyers may pay no land transfer duty on properties valued up to $600,000, with a concessional rate applying to eligible properties valued between $600,001 and $750,000. These concessions apply to both new and established homes, subject to the Victorian Government’s eligibility requirements.
New homes valued up to $750,000 may qualify for the $10,000 Victorian First Home Owner Grant. In some eligible regional areas outside Melbourne’s urban growth boundary, higher grant amounts may be available under current government programs.
Through the Australian Government’s First Home Guarantee, eligible first home buyers may be able to purchase a property with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI), subject to availability and scheme eligibility.
Lending policies for high-density apartments in Melbourne’s CBD, Southbank and Docklands can vary significantly between lenders. Before you commit to a purchase, we’ll identify which lenders are likely to accept your chosen property, helping you avoid unnecessary delays or declined applications.
Whether you’re buying your first home, upgrading to a larger property or purchasing your forever home, we’ll compare suitable lenders, explain your options clearly and manage your loan application from pre-approval through to settlement.
The right investment loan is about more than a competitive interest rate. We help investors structure their lending to maximise borrowing capacity, improve cash flow and support future property purchases with flexible loan features.
If your current home loan no longer meets your needs, refinancing could help you secure a lower interest rate, reduce your repayments, access equity or consolidate existing debts. We’ll compare options across our lender panel and manage the refinancing process from start to finish.
A guarantor loan allows eligible family members to use equity in their property to support your home purchase. This can reduce the deposit required, increase borrowing capacity and in some cases, help you avoid paying Lenders Mortgage Insurance (LMI).
Purchasing investment property through a Self-Managed Super Fund (SMSF) requires specialist lending knowledge. We work alongside your accountant and financial adviser to help secure suitable finance while meeting lender and compliance requirements.
Whether you’re building a new home, undertaking a knockdown rebuild or purchasing land to build later, we’ll help structure your construction loan, explain progress payments and guide you through every stage of the building process.
If you’ve found your next home before selling your current property, a bridging loan may allow you to buy first and sell later. We’ll help you determine whether bridging finance is suitable for your circumstances and compare lenders that offer flexible short-term lending solutions.
Planning ahead starts with understanding your borrowing position. Our free home loan calculators help you estimate costs, compare scenarios and make informed decisions before applying for finance.
Estimate the stamp duty payable on your Victorian property purchase, including eligible first home buyer concessions and exemptions.
Estimate how much you may be able to borrow based on your income, living expenses, existing debts and financial commitments.
Calculate your estimated weekly, fortnightly or monthly mortgage repayments based on your loan amount, interest rate and loan term.
Check your potential eligibility for the Victorian First Home Owner Grant and understand how it may work alongside available stamp duty concessions.
Compare the potential return on investment properties by calculating rental yield based on property value, rental income and ongoing expenses.
Calculate your debt-to-income ratio to understand how lenders assess your borrowing capacity, particularly for higher LVR and investment loan applications.
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 give you complete clarity on what to do next.
We assess your borrowing capacity and compare suitable options across our lender panel to present you with the best-matched options.
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 annually to make sure you’re still getting the best deal as the market shifts.
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. 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, our job is to find you the right home loan for your circumstances.
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 at all times.
We are overwhelmed with our clients' overwhelming positive reviews and feedback.
Nice Loans works with home buyers, refinancers and property investors across Greater Melbourne, providing expert mortgage advice wherever you are located.
Nice Loans operates 100% online across all of Greater Melbourne and all over Victoria.
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✦Key Takeaways•Fixed rate loans offer stable repayments, ideal for predictable budgeting.•Variable rate home loans provide flexibility and potential savings if rates fall.•Split loans combine fixed and variable features for balanced
✦Key Takeaways•First home buyers need a clear plan for loans due to rising prices.•Understand your debt-to-income ratio for successful home loan approval.•Share your full financial picture with lenders for a
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 First Home Owner Grant (FHOG) and the Victorian stamp duty exemption are two separate forms of first home buyer assistance, and they are often confused.
The stamp duty exemption or concession reduces the amount of land transfer duty you pay when purchasing an eligible property. In Victoria, eligible first home buyers may pay no duty on properties valued up to $600,000, with a concessional rate applying to eligible properties between $600,001 and $750,000.
The First Home Owner Grant (FHOG) is a separate payment available to eligible buyers purchasing or building a new home. In Victoria, the grant is currently $10,000 for eligible new homes valued up to $750,000, with different amounts potentially applying in eligible regional areas.
Because the schemes have different eligibility rules, some first home buyers may be able to combine benefits. For example, an eligible buyer purchasing a qualifying new home under the relevant price thresholds may be able to access both the FHOG and stamp duty concession, along with other available support such as the Australian Government’s First Home Guarantee (subject to eligibility).
Using Nice Loans is free for borrowers. 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.
Yes, it is possible to secure finance for apartments in Melbourne’s CBD, Docklands and surrounding inner-city areas. However, lending policies for high-density apartments can vary significantly between lenders.
Some lenders may apply additional requirements, such as lower maximum loan-to-value ratios (LVRs), minimum apartment size requirements or restrictions on certain buildings and postcodes. These policies can depend on factors such as the building profile, location, valuation and the lender’s current risk settings.
This doesn’t mean finance is unavailable. It means choosing the right lender is important. At Nice Loans, we help identify lenders that are more likely to accept your specific property before you commit to a purchase, helping reduce surprises during the loan approval process.
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.
