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Home Loans

Whether you’re a first home buyer or an existing home owner looking to refinance. We’ll help you along the way.

Save time and let us do the work for you.

How we can help you.

First Home Buyers

We’ll help you through all the steps in getting a home loan for the first time. From goverment grants to dealing with conveyancers, we’ll guide you.

Refinance

Save on repayments and pay off your home loan sooner. We’ll find you the right home loan to suit your needs.

Investment

From first time to seasoned investors, we understand your time is important. We work with property investor gurus to help you find your next investment property.

Variable & Fixed Rate Loans

What’s the difference?

Variable Loan

With variable rate home loan, the interest rate may go up and down during the loan term. The advantage of this is that you have the flexibility of making extra repayments to pay off your loan sooner.

Fixed Rate Loan

A fixed rate home loan has an interest rate that stays the same for a specific loan term, usually between 1 to 5 years. After the fixed loan term ends, your loan will then switch back to a standard varibale loan for the remainder of the loan term.

Right For You?

Everyone’s situation is different. The type of loan that is right for you will depend on your individual circumstances, and your future goals.

There are hundreds of loan products to choose from, let us help you find the right one.

Offset & Redraw facility

Which one do you need?

Offset Account

An offset account is an everday account that is linked to your home loan where you can have your salary credit deposited into and make everyday transactions. The balance you have sitting in the offset account will offset the amount your have owing on the home loan.

Example: You have a home loan with $500,000 owing. Your offset account balance is $100,000. Therefore you only pay interest on the $400,000.

Redraw Facility

A redraw facilty is NOT a separate account linked to your home loan. But a feature thats available on your home loan which allows you to make additional repayments and be able to redraw back those additional payments.

This limits the way you access those funds as you are not able to withdraw using an ATM or a debit card like an offset account.

Summary

Offset accounts are like an everyday transaction account, allowing easy access to your money. But a home loan with an offset account will usually attract a higher interests rate than a loan which has a redraw facility.

Speak to us to see what the rate difference is between the two.

FIll out a quick form

NEX Home Loan Enquiry

 

I highly recommend Alfa if you are looking to get any type of loan. He helped us purchase our first home and we can’t thank him enough.

He gave us sound advice and it was really evident that he really cares about his clients. He went above and beyond for us. He was always so responsive and on top of everything.

Google Review

Alfa and Joanna assisted us with a refinance and a new home purchase. Despite our complicated personal circumstances, they have gone above and beyond since the very beginning of the process to help us identify the lenders that would be suitable to our circumstances, while also helping us obtain the best deal. Most importantly, they were always there to answer all my questions every step of the way which I always appreciated.

Highly recommended to anyone looking to get a new home loan or refinance!

Google review

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