Free Mortgage Assessment. Contact Today!!!
Nice Loans has been helping Melbourne borrowers with potentially suitable home loan options available through an approved panel of more than 40 Australian lenders. Whether you’re buying your first home, refinancing, or considering an investment property, we offer remote assistance throughout Greater Melbourne and Victoria.
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 compare potentially suitable loan structures 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, Southbank 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 assist throughout the application process.
Median House Value
Median Unit Price
Avg Days on Market
Median Asking Rent
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.
Eligible first home buyers may receive a $10,000 First Home Owner Grant when purchasing or building a qualifying new home up to $750,000, subject to the Victorian eligibility and Occupancy requirements.
Through the Australian Government 5% Deposit Scheme, 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 accommodate the property, helping you avoid unnecessary delays or declined applications.
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.
Estimate the stamp duty payable on your Victorian property purchase, including eligible first home buyer concessions and exemptions.
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). We must prioritise your interests and not be 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 YBR Aggregation - formely 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.
We appreciate the positive feedback shared by our clients
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.
Property investment can be a powerful way to build wealth, but making money in real estate is no child’s play. The strategy behind your purchase is what makes all the
Property investment can be an effective way to build long-term wealth, but the purchase price and rental income are not the only factors. Loan interest, ongoing property expenses, tax deductions
Saving for a home deposit can feel like running a marathon where the finish line seems totally unreachable. Between rising property prices, everyday expenses and the time it takes to
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.
