What are you looking to do?
How it works
Four steps from first chat to keys in hand. Click a step to see what happens, what you'll need and how long it takes.
We get to know what you want to do and where you stand today. No cost, no obligation and no credit check.
- Your goals, timeline and budget
- A rough idea of your borrowing power
- Grants, Keystart and concessions you may qualify for
30+ lenders on our panel
From major banks to specialist and non-bank lenders, so we can match the loan to you, not the other way round.
You deal with Carl, not a call centre
35+ years in lending, starting at the Commonwealth Bank. Carl looks after your loan from the first chat to settlement, and is still your broker years later when it's time for a rate review.
Good questions
Does it cost anything to use a broker?
For most home loans, no. We're paid a commission by the lender you choose once your loan settles. The lender pays it, not you, and it doesn't change your interest rate. Our Credit Guide sets out exactly how we're paid and any fees that may apply.
How much deposit do I need?
Usually between 5% and 20% of the purchase price. With 20% you avoid lenders mortgage insurance. With less, Keystart, government deposit schemes or a family guarantee may help. We'll work out which options you qualify for.
I've been declined before. Can you still help?
Often, yes. Every lender has different policies, so a no from one isn't a no from all. We'll look at why it happened, what lenders look for, and the options that fit, including specialist lenders. Approval is never guaranteed.
What documents will I need?
Usually photo ID, your two most recent payslips (or two years of tax returns if you're self-employed), three months of bank statements and details of any debts. We'll send you a checklist tailored to your situation.
Buying a home? We’ve got the rest covered
Once your offer is accepted, our licensed settlement agents take it all the way to keys.Explore settlements →
Investment property or first tax return as an owner? Our accountants set it up and claim it right.Explore accounting →You're free to use any one of our services without the others.
Finance news
Selected stories on rates, lending and first home buyer schemes, updated daily.
Headlines are pulled automatically from third-party news sources and link to the original article. They're general news, not advice from Nu-Age Finance.
Before you borrow
General information only. This page doesn't take into account your objectives, financial situation or needs, and isn't legal, tax or financial advice. Consider whether it's right for you and seek professional advice before acting. Credit is subject to lenders' terms and conditions, fees, charges and eligibility criteria. Calculator results are estimates only and are not a loan offer. Where interest rates are shown, a comparison rate and the comparison rate warning will appear beside them. Lender logos are shown to identify lenders on our panel and don't imply endorsement. Reviews are from verified Google reviews and are shown unedited.