Free Mortgage Assessment. Contact Today!!!
Free Mortgage Assessment. Contact Today!!!
Compare potentially suitable home-loan options from Nice Loans’ approved panel of 40+ lenders and receive personalised credit assistance and guidance by phone, email or video. We can coordinate the application from your first assessment through to settlement, wherever you live in Australia.
Important: This page contains general information only. It is not legal, tax or financial advice and does not consider your objectives, financial situation or needs. Loan availability, pricing and approval depend on lender assessment and criteria. Nice Loans can provide personalised credit assistance after assessing your circumstances.
An online mortgage broker provides mortgage-broking credit assistance without requiring every appointment to happen in an office. The communication channel changes; the need to understand your requirements and objectives, assess your financial position, explain relevant options and meet applicable credit-law obligations does not.
Nice Loans assists borrowers in Queensland, New South Wales, Victoria, Western Australia, South Australia, Tasmania, the ACT and the Northern Territory. Appointments can be held by phone or video, with email support throughout the process.
We consider potentially suitable products available through our approved panel of 40+ lenders. The panel is broad but it does not include every lender or every product in the Australian market.
Your income, expenses, deposit, liabilities, property, loan purpose and future requirements can affect lender suitability. We explain relevant rates, fees, features, policy differences and trade-offs in plain language.
We can help prepare the application, identify supporting documents, liaise with the lender and provide updates through valuation, conditional approval, formal approval and settlement.
We assist first-home buyers, refinancers, owner-occupiers, investors, self-employed applicants and eligible construction borrowers. Available options depend on your individual circumstances and lender criteria.
Nice Loans generally receives a commission from the lender when a loan settles. Fees may apply to certain loan types or complex applications and will be disclosed before you proceed. Lender, government and third-party costs may still apply.
The exact steps and documents vary by lender, loan type and borrower. A typical Nice Loans process follows these stages.
Tell us your property plans, preferred timing, income, deposit, debts, expenses and priorities. This first discussion helps us understand what you are trying to achieve.
We assess the information available and compare potentially suitable options from our panel, including relevant rates, fees, features and lender requirements.
You receive a document checklist for your circumstances. After you choose to proceed and provide consent, we prepare and submit the application to the selected lender.
The lender completes its own assessment and may request more information or a valuation. We coordinate updates and outstanding requirements through to settlement.
Approval is never guaranteed. Pre-approval is usually conditional. Final approval can depend on updated financial information, satisfactory valuation, the selected property, lender policy and all outstanding conditions. A formal application may also result in a credit enquiry; ask us what will occur before submission.
Both channels can provide a home loan, but their role and the range they consider are different.
| What to compare | Nice Loans online broker | Going directly to a bank |
|---|---|---|
| Products considered | Potentially suitable products available through our approved panel of 40+ lenders. | Products offered by that bank or banking group. |
| Legal obligations | When providing regulated mortgage-broking credit assistance to consumers, mortgage brokers must act in the consumer’s best interests and prioritise the consumer’s interests if a conflict arises. | Banks have responsible-lending and other legal obligations, but bank staff do not compare competing lenders and the mortgage-broker best interests duty does not apply to the bank in the same way. |
| Application support | Nice Loans helps compare relevant options, prepare the application, liaise with the chosen lender and track progress. | The bank assesses and supports an application for its own products. |
| Non-standard circumstances | We can compare how panel lenders may treat self-employed income, construction, investment, guarantor or other documented circumstances. | You can ask the bank whether your circumstances fit its own policies. |
| Broker cost | No Nice Loans broker fee in most standard residential cases.* Lender commissions and any applicable broker fee are disclosed as required before you proceed. | No broker fee. Bank, government and third-party loan costs may still apply. |
*Fees may apply to certain loan types or complex applications. Product access, fees and commissions should be confirmed in the disclosures provided for your application.
Remote mortgage broking can be legitimate and convenient, but a home-loan application contains sensitive identity and financial information. Check who you are dealing with before sharing documents or acting on payment instructions.
Nice Loans Pty Ltd
56 678 609 151 / 678 609 151
CRN 560610
Suman Nepal · CRN 499665
Australian Credit Licence 390261
66 Reinhold Crescent, Chermside QLD 4032
Do not send documents until you have confirmed the recipient and preferred submission method. Your exact checklist depends on your situation, but lenders commonly request:
Photo identification and, where relevant, evidence of residency or visa status. A lender may require electronic verification, certified copies or another verification process.
Recent payslips and employment details, or tax returns, notices of assessment, business financials and other evidence for self-employed applicants.
Evidence for savings, deposit, existing loans, credit limits and other commitments, plus the contract and property details when available.
Yes, provided the person or business is appropriately licensed or authorised to engage in credit activities. Verify the details independently on ASIC’s professional registers. Nice Loans Pty Ltd is a credit representative (CRN 560610), and principal broker Suman Nepal is a credit representative (CRN 499665), authorised under Australian Credit Licence 390261.
Yes. Nice Loans provides remote mortgage-broking services across all Australian states and territories. State and territory grants, duties and concessions differ, and government authorities determine eligibility. The selected lender separately determines whether you satisfy its lending criteria.
Nice Loans does not charge a broker fee in most standard residential home-loan cases and generally receives commission from the lender when a loan settles. Fees may apply to certain loan types or complex applications. Any applicable Nice Loans fee and relevant lender commission will be disclosed before you proceed. Lender fees, valuation charges, government duties and third-party costs may still apply.
No. Nice Loans compares potentially suitable products available through its approved panel of 40+ lenders. This is broader than approaching one bank, but it is not the entire Australian lending market. Product availability also depends on accreditation, loan purpose, borrower circumstances and lender criteria.
Many applications can be managed remotely through phone or video discussions, electronic document collection and electronic signing where supported. Requirements vary. A lender, identity-verification provider, solicitor or conveyancer may require additional steps or an in-person check.
When providing regulated mortgage-broking credit assistance to a consumer, a mortgage broker must act in the consumer’s best interests. If there is a conflict, the broker must prioritise the consumer’s interests. What this requires depends on the circumstances; ASIC’s Regulatory Guide 273 explains how ASIC assesses compliance.
No. Pre-approval is generally conditional and is not a guarantee of formal approval. The lender may need to assess the selected property, complete a valuation, verify updated financial information and confirm that all conditions and current lending criteria are met.
No. A comparison website usually displays product information or generates leads and may cover only participating providers. A mortgage broker gathers information about your circumstances and can provide regulated credit assistance, explain potentially suitable panel options and help coordinate an application.
This page was checked against Nice Loans’ current business disclosures and relevant official sources. Lender products, policies, fees and approval criteria can change without notice.
Principal Mortgage & Finance Broker at Nice Loans, Chermside. Suman is a credit representative (CRN 499665) authorised under Australian Credit Licence 390261 and is listed by Nice Loans as an MFAA member with 15+ years’ finance-industry experience.
2 October 2026
Australia
On material change
Tell Nice Loans what you are trying to achieve. We can discuss your circumstances, explain the next steps and help you compare potentially suitable options available through our lender panel.
Nice Loans Pty Ltd · ABN 56 678 609 151 · ACN 678 609 151 · Credit Representative 560610 authorised under Australian Credit Licence 390261. Principal broker Suman Nepal · Credit Representative 499665. General information only; not legal, tax or financial advice. Credit assistance is subject to an assessment of your circumstances. Approval, rates, fees, features and policies are determined by the lender and can change. Privacy Policy · Feedback and Complaints
