Our promise is simple…

To make the borrowing process easy for you!

How do we deliver on our promise?

We want to take the stress, uncertainty, and complication out of securing a home loan. We achieve this by…
Our experienced team of mortgage brokers are here for you, no matter what lending challenge you may be facing.

We understand what you’re looking for…

Whether you’re looking for a home for you and your family, getting on the property ladder, or building your property empire, you need a home loan – You want someone who’ll take the time to understand your situation and provide an achievable pathway for reaching your goals.

How we can help you achieve your goals

Every goal needs a plan. Our team are here to ensure your plan is on track to turn your lending requirements into a reality.
We achieve this by personally getting to know:

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…

Will empower you to invest in your goals and dreams with the confidence and support of expert lending advice and structure.

How we empower your lending journey

We provide certainty and direction as you work towards securing your financial future, so you can tackle any challenge that comes your way with confidence.
We achieve this by providing you with:
With Next Home Loans on your side, achieving greater freedom to pursue your passions, spending more time with those you love and less time thinking or worrying about money is made easy.

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

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

Next Home Loans works with many of the loan-providers that you know and trust. Our experience allows us to select the right home loan for your needs and achieve the most competitive rate available to suit your circumstances. We draw our loans from over 30 financial institutions throughout Australia. Our loan origination partners include:

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

Next Home Loans is a privately owned Mortgage broker. We are not owned by a bank – which is more common in the industry than you might think. Did you know…

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.