National Competitive Home Loans to help you find compatible home loan products.   

After you have submitted your online inquiry to us, an authorised NCH Loans mortgage consultant will contact you and listen to your needs to quickly determine which lenders can assist you today.

Our consultants are trained to instantly identify your loan needs to correctly match your scenario with lenders who offer loan products which are compatible to your unique needs.

All Australian States: Stamp Duty Calculator

• First Home Owner Loans to 105%
• Investment Property Loans to 105%
• Refinance Property Loans to 95%
• Secured Debt Consolidation Loans to 95%
• Credit Impaired Property Loans to 85%
• House and Land Packages to 100%
• Rural, Vacant land and Construction 

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Make life easy! Take all the hard work out of locating your own loan solution by letting your NCH Loans consultant assess your situation over the phone and match your needs to suitably compatible lenders using our industry specific and advanced technology software.

When you speak with a trusted industry professional, you gain instant access to 1000's of competitive loan products from over 20 lenders Australia wide. Assure yourself today and speak with an NCH Loans Australia consultant to be sure that you are making an informed loan decision.

Standard Variable Loans
This is the most popular home loan in Australia. The interest rates on these loans vary depending on the market forces. The features of a Standard Variable rate loan also vary dependant on the individual lender’s product specifications but these loans generally offer an offset facility, redraw facility, no limits on additional repayments and in most cases no early pay-out penalties. A standard variable loan can usually be combined with other types of loans and are ideal for the borrower wishing to pay their home off sooner rather than later. Apply now

Basic Variable Loans
Basic variable rate loans are sometimes referred to as the 'no frills' alternative to the standard variable rate loans. The interest rate is lower then a standard variable loan, making them attractive to the budget conscious borrower wanting a lower variable rate but with fewer features. Apply now

Introductory Home Loans (Honeymoon)
An Introductory variable rate loan generally offer's a guaranteed low rate for an initial period of time (usually 12 months) after which most interest rates will revert to the Standard Variable Rate. An Introductory Loan is attractive for the borrower wishing for to take advantage of the honeymoon period before taking up the features and advantages of a Standard Variable Rate Loan. Apply now

Fixed Rate Loans
Fixed rate loans are funds lent over a set term at a set interest rate. This gives the borrower the certainty of knowing exactly what their monthly repayments will be should their circumstances change. Some lenders may impose early repayment penalities if you make a lump sum reduction to your loan or you pay the loan out in full. However a fixed rate loan is ideal in a rising interest rate market as this guarantees you of your interest rate and repayments for a set time. Apply now

Bridging Loans
A Bridging Loan is available to borrowers who wish to purchase a new home now and sell your current home later. These loans are especially helpful to 'bridge' the gap between the sale of one property and the purchase of another. The interest rate on a Bridging Home Loan is usually the same as a Standard Variable Rate Loan. A Bridging Loan ensures that the borrower will not miss out on a desired property because they haven't sold the current home. Apply now

Line of Credit
A Line of Credit provides a borrower with access to the equity in their home or investment properties whenever they wish for any worthwhile purpose. It is similar to an overdraft facility in that funds can be withdrawn up to the original loan approved amount at anytime. The interest rate on a Line of Credit facility is usually a variable rate that fluctuates with the market. A borrower can generally access their Line of Credit via a Cheque Book, Credit Card, ATM, Phone and Internet. A Line of Credit provides a borrower with easy access to funds ensuring peace of mind in times of need. Apply now

Credit-Impaired Loans
At some point in the past, a borrower may have experienced difficulty in meeting their monthly commitments due to lack of work, in suffering an unexpected business loss or by having a difference of opinion with a former credit provider. Unfortunately, in these cases the former credit provider may have lodged a payment default (or black mark) on their credit report with a credit recording agency.

When applying for finance, a default lodged on a credit report may cause frustration as a lender may not take the time to understand the borrower’s explanation and surrounding circumstances on which the default occurred.

Credit-Impaired Loans are designed especially to assist a borrower in these circumstances. Usually these loans incur an extra interest rate margin and possibly extra fees and charges. Apply now

Low Document Loans
Low Documentation (or No documentation) loans are designed for the self-employed or small company borrower/s whose financial statements may not be available. Reasons for this may encompass: Their accountant hasn't completed their bookwork.

The borrower must have a sizeable deposit or equity in existing real estate property to qualify for a Lo-Doc Loan.

These loans are most often a variable rate and offer most of the features and benefits attached to the lender's standard variable rate loan product. A low document loan can be just as competitive as mainstream loan products, however they provide less hassle as the borrower doesn't have to provide the usual lender income and supporting documentation. Apply now