Home Loans

We partner with property investors to accelerate their wealth creation.

Our investment focus empowers our clients with strategies that make you wealthier happier and more financially secure. We’re passionate about always doing the right thing for our clients, even if it isn’t easy. For us it’s about a shared ambition leading to outstanding results.

Property Investors

Assisting property investors arrange the right investment loans with the right structure for long-term investment success is what we do best. See how we help…

We have been working with Next Home Loans for almost 4 years and we always appreciate their outstanding level of service and professionalism. It’s a pleasure working with everyone in the team and have no hesitation in recommending them to friends and colleagues. – Jenna Steward

Home Buyers

You don’t have to be an investor yet to benefit from the lending expertise that savvy investors trust. We help home buyers secure the best interest rates, get their loan applications approved, and get setup for long-term success.

Ryan is a professional, hardworking, and knowledgeable mortgage broker who went above and beyond helping me choose the right investment loan. If you are on the market looking for a reliable broker who is acting in your best interest, Ryan is the one to talk to. – Winnie Tugas

Who we can't help

We are committed to delivering an exceptional experience to each and every one of our customers. And in an ideal world, we would love to be able to help everyone with their finance needs. However, we are a boutique agency and there are only so many people we can help at one time.

We can only take on so many clients and maintain our high standards. It takes us around 40 hours on average to process a home loan application. The worst thing for us would be to take on your loan when we know that we can’t live up to the quality of service we are renowned for.

We may not be able to help if you are:

You are borrowing less than $400,000

Unfortunately, we are unable to process these loans due to the costs involved. It takes us around 40 hours to complete a home loan application regardless of the size of the loan. If we took on loans of this size, we would quickly become unprofitable and go out of business.

Have bad credit history

Our lending panel includes lenders who are okay with telco or utility defaults under $500. If you have a default higher than this amount or have a default with a financial institution, you will need to apply through a specialist lender. These include Latrobe Financials, Pepper Money, or Liberty Financial.

Have less than 8% deposit

Our lenders will allow you to apply for a home loan up to 95% of the home value, but you will need to also pay for Lenders Mortgage Insurance. This represents an additional cost that needs to be factored into your application, meaning you will need an 8% deposit as a minimum.

Living overseas

Unfortunately, we are only able to assist customers who are based in Australia due to limitations on our credit license. We cannot assist any borrower who is based outside of Australia. This includes anyone living or working in New Zealand, Singapore, or anywhere else abroad.