Our promise is simple…
To make the borrowing process easy for you!
How do we deliver on our promise?
- Guiding you, step-by-step, all the way from "thinking about buying" to "happily settled"
- Providing you with the tools and education you need to feel confident in the process
- Provide you with clarity and transparency so you always know where you're at
We understand what you’re looking for…
How we can help you achieve your goals
- Who you are and the immediate lending challenges you’re facing that’s prompted you to seek advice.
- The different areas of your financial world that you can influence for a brighter financial future.
- What financial stage you’re at and the challenges and life events that you are likely to be facing.
- What important milestones and life events are on your horizon that you can begin planning ahead for.
Through taking the time to genuinely understand your unique circumstances, challenges, needs and goals, we can work together with you to create a personalised financial plan designed from the ground up to help you achieve your specific lending goals.
The Next Home Loans Approach…
How we empower your lending journey
- Access to an experienced mortgage broker at all times.
- A loan strategy proposal specifically developed for your individual situation.
- Clearly defined lending goals that align to your future aspirations.
- Your entire lending world in order and help to keep it that way.
- Lending certainty at each stage of your financial life.
- A practical roadmap to guide you toward your dream future.
- Regular reviews to keep your lending needs updated and your goals on track.
- Peace of mind knowing you’re proactively securing your financial future.
Meet Our Team
Ryan Wood
Director & Mortgage Broker
BBus (Mkt), Dip Mkt, DipFMBM, CEA (REIQ), JP Qual
Ryan is the founder of Next Home Loans and an avid property investor who enjoys delving into the numbers and researching property trends. Ryan attends regular meet-ups, continues education through professional development, extensive reading, and analysing property data to further build his skills and knowledge of the Australian property market.
Matthew Katunar
Senior Mortgage Broker
BBus (Fin & FP), DipFMBM, CEA (REIQ), JP Qua
Matthew is your dedicated Finance Specialist who’s focus is on competitive rates and a smart loan structures for the life of his clients loans. With extensive experience in all facets of finance, and accredited with Australia’s leading banks and lenders, Matthew will ensure all your options are explored and your lending administration is proactively monitored.
Our Lending Partners
ANZ
Connective Elevate
MyState
Auswide Bank
Connective Essentials
NAB
Bank of Queensland
Connective Select
Pepper Money
Bankwest
Connective Solutions
Pepper Money (Commercial)
Better Mortgage Management
eMoney
St George Bank
Bluebay Home Loans
Firefighters Mutual Bank
Suncorp Bank
Citibank
Firstmac
Teachers Mutual Bank
Commonwealth Bank
Health Professionals Bank
UBank
Connective Advance
ING
UniBank
Connective by Thinktank
La Trobe Financial
Virgin Money
Connective Affinity
Latitude Financial Services
Westpac
Plenti
Macquarie Bank
WISR Finance
We are not owned by the banks
- Aussie Home Loans is owned by the Commonwealth Bank (CBA).
- Mortgage Choice is listed on the Australian Securities Exchange (ASX) and has several banks as shareholders.
- Fast, Plan and Choice are owned by Advantedge (a division of NAB).
- Many others are private companies with undisclosed shareholders.
Next Home Loans is a 100% privately-owned Australian company with no lenders as shareholders.
Being privately owned means that we are not affected by any conflicts of interest when we give you your home loan recommendations.
We are also covered under the Best Interest Duty, which came into effect on 1 January 2021 and says by law we need to assess the best interests of a customer and prioritise a consumer’s interest when providing credit assistance.
While Mortgage Brokers like Next Home Loans are legally obligated to act in a consumer’s best interests, best interest duty doesn’t apply to banks. In other words, we must always act in your best interest but if you go to a bank directly then the bank can act in their own interests and not in those of a borrower.
In order to provide you with access to as many loan options as possible, we use an aggregator called Connective. We are able to leverage their negotiation power and volume of loans that they write to provide a wide range of home loan options, at the best possible rate.
How does your mortgage brokers get paid
We are paid by the banks for introducing new applications and for doing much of the work that would otherwise be done by one of their staff.
It is like we are a bank manager that works for many lenders instead of just one. This outsourced approach is very efficient and benefits both you as you have more choice and the bank as they do not have to pay us anything if we don’t lodge applications with them.
We are paid between 0.33% and 0.85% of the loan amount as an upfront incentive and an ongoing incentive of 0% to 0.285% of the loan balance per annum. Most lenders pay 0.65% for upfront commissions and 0.15% for trails, GST excluded.
This is not paid by you, it is paid by the lender. For a copy of our lender’s incentive schedules please contact one of our mortgage brokers.
How much does it cost to use a Mortgage Broker?
Our services are completely free for all home and investment loans. We get paid by the lenders for doing the work, collating your loan application and meeting with you. This work would otherwise be done by a bank manager or branch lender so you get access to the same rates as if you went to the lender directly.
The benefit for you is that unlike when dealing with one bank, we can help you work with a wider variety of lenders and get the best options that work for you choosing from our panel of over 50 banks and lenders!
Do you choose particular banks to get a higher incentive?
Did you know that there are some mortgage brokers that advertise that they are paid the same no matter which lender they choose? This is actually a very clever marketing trick.
If a lender pays low commissions then these brokers do not add them to their panel of lenders! For example, NAB and a few other lenders pay lower commissions to mortgage brokers so are not on the lender panel of either Aussie Home Loans or Mortgage Choice.
As we are not part of a franchise group we can do business with any lender that works with mortgage brokers. This means that you get more choice and a better range of loan products.
Do you hold a credit licence?
No, however we are an authorised credit representative (CRN 527 355) of Connective Credit Services Pty Ltd (ACL Number 389328) as required under the National Consumer Credit Protection Act.
We are also a member of both the Mortgage and Finance Association (MFAA) and the Australian Financial Complaints Authority (AFCA).
We maintain the highest standard of training and education, as well as compliance with government regulations.
MFAA & AFCA Membership
As members of the Mortgage and Finance Association of Australia (MFAA) and the Australian Financial Complaints Authority (AFCA) we must uphold the highest level of excellence when helping clients with their finances.
The members of each organisation must meet a minimum standard in experience, education and ongoing training to maintain membership each year and as active members, we commit to upholding these standards, ensuring we maintain their high levels of compliance, integrity, and professionalism with all of our mortgage clients.
Justice of the Peace Qualified
JPs are well respected in the community and are required to abide by a code of conduct which establishes the requirements and acceptable standards of behaviour for JPs in Australia. All Next Home Loans mortgage brokers are Justices of the Peace (JPs) qualified, for our clients, this means we are able to witness a person making a statutory declaration or affidavit, and to certify copies of original documents.