Home Loans

Refinance Your Home Loan

Want to switch lenders or find a better product?

Refinancing can help you find a lower interest rate or just a better home loan product. Many Australians refinance their mortgage to save on repayments by finding a home loan with a lower interest rate than their current loan.

Refinancing can also help achieve something specific such as:

  • Using equity to purchase an investment
  • Using equity to help children purchase a home
  • Renovating or making a new purchase

We make refinancing easy because we know which lenders to turn to depending on what your goals are and how your finances are currently structured.

Refinancing a home loan can involve many steps, we’re here to guide you through the entire process – from application, all the way to settlement!

Our teams have the knowledge and experience to find and compare different types of home loan and mortgage refinance solutions from our panel of over 20 lenders. Our panel of lenders includes banks (both big and small), non-traditional lenders, and peer to peer lenders. Find a great refinance loan, fast!

What is a refinance loan?

A refinance loan solution is a finance strategy that allows you to switch products for a better rate, use equity or achieve another goal.

Why use National Finance + Loans?
  • We can find options for big and small loans
  • We can find finance solutions for good and bad credit
  • We work with over 20 lenders (big banks, small banks, non-traditional lenders, peer to peer lenders)
  • Our teams understand how to get tough loans approved
  • We make the approval process as fast as possible for you

Want to compare home loan refinance solutions? Get National Finance + Loans on your team. Ask questions or apply today by phone, online or in person.

Construction Loans

Have big renovation or construction ideas? We’ll help find the right finance.

Getting a great rate with suitable features for a construction or renovation loan is critical for the success of your next project.

Cashflow is an important aspect of any project. The key is to understand how construction loans are structured and what you need to qualify. The lending criteria for construction loans can vary between banks and lenders, and so can the features of these different construction loans.

Constructions loans are not the same as traditional home loans. These are the major differences:

  • No lump sum payment: construction loans are financed in installments or ‘draw-down’ payments as you progress with the construction, as opposed to one big lump sum
  • Valuations: when you apply for a construction or renovation loan your project will be valued before, during and after – valuation frequencies can differ between banks
  • Interest: Construction and renovation loans may initially require ‘interest-only’ periods, depending on the lender. Plus, interest charged as ‘draw-downs’ or ‘installments’ are paid by the bank. What this means is that you don’t pay interest on the entire loan until the entire loan is funded
  • Budget overruns: if you are running over budget we can help negotiate additional finance with your chosen bank or lender to avoid an incomplete project

We can help you assess how much you can borrow, even if you have bad credit. We will then find a suitable loan that will allow you to finance your construction or renovation with peace of mind.

Our teams have the knowledge and experience to source different types of construction loans and renovation loans from our panel of over 20 lenders. Our panel of lenders includes banks (both big and small), non-traditional lenders, and peer to peer lenders. This means we can help you find low rate loans that you might not see advertised.

What is a construction loan?

A construction loan or renovation loan is a funding solution that can bring a dream project to life!

Why use National Finance + Loans?
  • We can find options for big and small loans
  • We can find finance solutions for good and bad credit
  • We work with over 20 lenders (big banks, small banks, non-traditional lenders, peer to peer lenders)
  • Our teams understand how to get tough loans approved
  • We make the approval process as fast as possible for you

Get National Finance + Loans on your team. Ask questions or apply today by phone, online or in person.

Home Loans

If it’s your first home or next home – we can find a great rate, fast!

Buying or building a new home can be both exciting and stressful. While you search around for the property of your dreams, we can help you identify what you can afford, get pre-approval and provide expert support every step of the way, from application to settlement.

There’s a big difference between products in the market with the lowest rates as compared to those with the highest rates. These differences include fees, loan terms, eligibility and lending criteria restrictions.

The main types of home loans include:

  • Variable rate home loans
  • Fixed rate home loans
  • Line of credit home loans
  • Self-employed home loans
  • Home loans with offset accounts
  • Bad credit home loans

If you are in the process of comparing loan types it may be a good time to consider getting home loan pre-approval or home loan conditional approval. Why? Pre-approval for a home loan gives you an idea how much you may get approval for! Once you know this you can make offers and negotiate with some peace of mind.

Our teams have the knowledge and experience to source different types of home loan solutions from our panel of over 20 lenders. Our panel of lenders includes banks (both big and small), non-traditional lenders, and peer to peer lenders. This means we can help you find low rate loans that you might not see advertised.

What is a home loan?

A home loan or a mortgage is a finance product designed for people buying any type of residential property.

Why use National Finance + Loans?
  • We can find options for big and small loans
  • We can find finance solutions for good and bad credit
  • We work with over 20 lenders (big banks, small banks, non-traditional lenders, peer to peer lenders)
  • Our teams understand how to get tough loans approved
  • We make the approval process as fast as possible for you

Get National Finance + Loans on your team. Ask questions or apply today by phone, online or in person.

Investment Property Loans

Secure your financial future with a low rate investment property loan

Every property investor, whether new or seasoned, wants to know they are getting the lowest rate possible on their hard-earned investment.

We can find and compare a range of property investment loan solutions for you so you can make an informed choice when selecting a loan to fund your investment purchase.

Banks and lenders have many investor loan products. When comparing your options consider these factors:

  • Fees – compare application fees, valuation fees, legal fees, ongoing fees, offset and re-draw fees and monthly fees
  • Rates – rates can differ depending on the loan size, loan term, your credit history and more!
How to invest:
  • Save a deposit
  • Use your equity

If you are borrowing more than 80% of the amount of the total value of your investment property you might have to pay LMI (lenders mortgage insurance). Using equity may be a suitable strategy, but this comes down to the shape of your home loan.

We can talk you through your options and find a solution to meet your lifestyle.

Our teams have the knowledge and experience to find and compare different types of investment property loans from our panel of over 20 lenders. Our panel of lenders includes banks (both big and small), non-traditional lenders, and peer to peer lenders.

What is an investment property loan?

An investment property loan is a loan product suitable for first time investors or seasoned investors. These loans have slightly different features to traditional home loans.

Why use National Finance + Loans?
  • We can find options for big and small loans
  • We can find finance solutions for good and bad credit
  • We work with over 20 lenders (big banks, small banks, non-traditional lenders, peer to peer lenders)
  • Our teams understand how to get tough loans approved
  • We make the approval process as fast as possible for you

Get National Finance + Loans on your team. Ask questions or apply today by phone, online or in person.