Use our loan calculators and read up on all the latest news, tips & finance insights from the Coffs Coast NSW.
Loan CalculatorsLoan Insights
_FINALIST.webp)
The answers to all of these questions lie in these easy to use calculators.
Discover key changes to NSW rental laws with the Residential Tenancies Amendment Act 2024. Learn how the new rules impact renters and landlords, including updates on pets, rent increases, and tenancy terminations.
Click here to read the full blog.
Building a new home? Avoid unexpected costs by knowing common building exclusions like driveways, landscaping, and insect screens. North Coast Lending helps you secure the right construction loan and plan for these extras.
Click here to read the full blog.
Attracting quality tenants in Coffs Harbour and surrounding areas requires meeting modern tenant demands. Learn how these features can increase your rental appeal, and how North Coast Lending can help you stay competitive.
Click here to read the full blog..png)
Emerald Beach on the Coffs Coast is an underrated paradise offering a laid-back, surfside lifestyle with dog-friendly beaches, charming dining spots, kangaroos to welcome your visitors and local conveniences.
Click here to read the full blog.
Before you can secure a construction loan, lenders will require key documents such as building contracts, plans, and quotes for additional works. North Coast Lending helps you prepare for a smooth building process.
Click here to read the full blog..jpeg)
South Grafton offers a mix of affordable housing, local cafes, and outdoor activities, making it an attractive option for home buyers and investors. With good schools, sporting facilities, and strong rental yields, it's a great spot for families and investors alike.
Click here to read the full blog..png)
Building variations, such as changes to colours, flooring, or extra power points, can increase construction costs. North Coast Lending guides you through these changes, ensuring your loan covers potential variations and helps avoid financial surprises.
Click here to read the full blog.
Before your lender releases the final payment for your home or renovation, three steps are required. North Coast Lending works with your lender to ensure everything runs smoothly. Learn more about how we support you throughout your homeownership journey.
Click here to read the full blog..jpg)
The First Home Guarantee is an Australian Government initiative that helps eligible home buyers purchase a home sooner by offering savings on lenders mortgage insurance, with 35,000 places available for the July 2025 financial year.
Click here to read the full blog.
When you’re in the market for a mortgage broker, you want someone who’s more than just qualified—you want someone who cares about the things that matter to you. Rod from North Coast Lending is that guy.
Click here to read the full blog..jpg)
Moonee Beach is expanding with new housing developments, making it an attractive option for those looking to settle in a vibrant coastal community. If you’re considering a move, North Coast Lending is here to help with all your home loan needs. Our experienced mortgage brokers understand the local market and can guide you through the process, ensuring you find the right loan for your new home in Moonee Beach.
Click here to read the full blog..jpg)
Today is particularly special as we've been named one of Australia's Top 50 brokerages by the prestigious MPA Magazine—a remarkable achievement considering our regional roots and the scale of other metropolitan offices in the Top 50.
Click here to read the full blog.
The Coffs Harbour real estate market is changing, from it's rapid growth to now a slight fall in house prices. If you're looking for a home loan in Coffs Harbour, get in touch with the local mortgage broker team - North Coast Lending.
Click here to read the full blog..jpg)
Running parallel to Park Beach, playing host to cafes, clubs and the world famous Hoey-Moey, walking distance to Northside and Park Beach Plaza and with a range of accommodation options, Ocean Parade is proving itself to be quite the little hotspot of late.
Click here to read the full blog.
There's a number of ways to buy an investment property. NCL mortgage brokers have provided some creative ways you can invest like joint property investment, 'rentvesting' & owner-occupier.
Click here to read the full blog.
As a homeowner along the Mid North Coast, including Coffs Harbour, Bellingen, Macksville, Yamba and more, you have a valuable financial resource at your fingertips - the equity built up in your property.
Click here to read the full blog..jpg)
Did you know you can borrow up to 100% of an investment property's purchase price, plus costs, by tapping into the equity in your existing home? With the help from our Coffs Harbour Mortgage Brokers, this powerful strategy allows you to maximise your negative gearing advantages and preserve your cash reserves.
Click here to read the full blog.
The Mid North Coast, home to thriving hubs like Coffs Harbour, Grafton, Casino, Kempsey and Maclean offers an exceptional opportunity for savvy investors to tap into the power of commercial real estate.
Click here to read the full blog.
Leveraging the expertise of Coffs Harbour mortgage brokers, we'll provide practical strategies to help you navigate these risks and capitalise on the opportunities presented by commercial real estate investments in this dynamic region.
Click here to read the full blog.
Discover holiday living at its finest and let us assist you in securing the ideal lender for your needs.
Click here to read the full blog.
Are you looking for extra income? Building a granny flat or a tiny home on your property might be the answer. There's an easy way, and a slightly more complicated way to go about it. Find out more.
Click here to read the full blog..png)
Whether you're seeking a peaceful retreat from the hustle and bustle of city life or a vibrant community to call home, this suburb has it all.
Click here to read the full blog.
If looking to purchase a house, and you're exploring your options around Woolgoolga, why not have a look at Sandy Beach. There's the quaint original cottages, some beautiful new homes & some beach front homes along Sandy Beach Drive. Find out why Rod likes Sandy Beach NSW.
Click here to read the full blog.
Discover the best beaches along the scenic Coffs Coast with North Coast Lending's team favourites. From Jetty Beach to Woolgoolga Beach there's something for everyone.
Click here to read the full blog..jpg)
Whether you're a seasoned investor or new to the game, these steps offer invaluable insights to guide you towards your commercial property goals.
Click here to read the full blog..JPG)
In June this year, Rod & Rob are hopping back into Kermit, the outsource Financial Outback Adventurer to tackle the Shitbox Rally’s winter event.
Click here to read the full blog..jpg)
Learn how equity works, how lenders calculate it, and discover the myriad of possibilities it offers, from property investment to renovations and more. Start leveraging your equity today for a brighter financial future.
Click here to read the full blog..png)
Incorporating the principles of the 6-1-5 rule into your business strategy can yield substantial rewards. By focusing on increasing turnover while simultaneously driving down costs and expenses, you can achieve significant improvements in profitability. Take control of your business's financial destiny today by applying the simple yet potent principles of the 6-1-5 rule.
Click here to read the full blog.
Whether importing or exporting, leverage trade finance facilities to streamline payments and secure funding for your business needs.
Click here to read the full blog..png)
Struggling to secure financing for your business growth? Explore the benefits of invoice finance, a quick and flexible solution that leverages your invoices to keep cash flowing.
Click here to read the full blog.Successful negotiation requires effective communication, understanding the market, and being flexible.
Click here to read the full blog.
Consider upsizing your home through renovation rather than adding on, but be prepared for potential challenges and expenses; assess your property's current value, outstanding mortgage, budget, and the nature of the renovations, consulting with a mortgage broker to explore suitable loan options and approval processes before initiating the project.
Click here to read the full blog.
In today's business landscape, small enterprises have a plethora of finance options, especially with the emergence of digital lenders in the "new economy." While accessing funds has become more convenient, caution is advised to avoid falling into financial pitfalls.
Click here to read the full blog.
Getting good financial advice, and investing wisely means that your equity can allow you to both grow your wealth and own your own home faster.
Click here to read the full blog.
Effective cash flow management is essential for meeting day-to-day expenses, seizing growth opportunities, and weathering economic uncertainties.
Click here to read the full blog..jpg)
Improving business profit requires a combination of strategic planning, operational efficiency, and a customer-centric approach. Remember, it's not just about increasing revenue but also about optimising your resources and maximising the value you provide to your customers.
Click here to read the full blog.
Bridging finance is used when buying a new home before selling the existing one, with a lender placing a mortgage on both properties. While it allows securing the desired home, risks include higher interest rates, potential cash flow strain, and the need to refinance if the current lender doesn't offer bridging loans.
Click here to read the full blog.
Not all debt is bad – when it helps grow your business, is tax effective and keeps cash in the bank, it can be pretty helpful.
Click here to read the full blog.
The move, aimed at controlling inflation, is the 13th rate rise since May 2022. Governor Michele Bullock stated that although inflation in Australia has peaked, it remains too high and persistent.
Click here to read the full blog.
At North Coast Lending we get that sometimes circumstances can lead to a business having trouble meeting its tax commitments. We also have lenders that understand this, and are willing to help with loans (secured or unsecured) to tidy up your ATO debt, create manageable repayments, save your credit score and potentially ensure access to future borrowing at preferred rates.
Click here to read the full blog.
We've been helping clients with their home loans in the Clarence Valley for years, get in touch today to see how we can help you.
Click here to read the full blog.
It's essential for anyone considering an SMSF to seek professional advice, thoroughly understand the rules and regulations, and have a clear investment strategy that aligns with their retirement goals.
Click here to read the full blog.
As spring blooms and both buyers and sellers gear up for action, it becomes imperative for prospective buyers to equip themselves with the skills needed to negotiate effectively with real estate agents.
Click here to read the full blog.
Save these numbers in your phone and share them with your family and neighbours to get bushfire ready, some of these numbers are specific to NSW.
Click here to read the full blog.%20(1).jpg)
As residents of the stunning North Coast of New South Wales, we're no strangers to the beauty and serenity that nature offers. However, we also face the reality of bushfires, which can pose a significant threat to our homes and communities.
Click here to read the full blog..png)
While we may not be great at kicking soccer balls, we're certainly knocking financial goals out of the park. North Coast Lending is a team of experts dedicated to helping you score big in the world of loans and lending. Whether you're dreaming of owning a home, starting a business, or consolidating debt, we've got your back.
Click here to read the full blog.
Are you searching for the best mortgage solution with competitive rates and personalised service? Look no further than North Coast Lending. With expert guidance and a commitment to finding the best rates, we take pride in helping our customers achieve their dreams of homeownership.
Click here to read the full blog.
Investing in real estate is a powerful strategy for building wealth and securing a brighter financial future. As the desire to diversify property portfolios grows, individuals seek expert guidance and flexible financing options to facilitate their investment journey.
Click here to read the full blog.
Whether you're a local or a visitor, these spots offer a taste of the Coffs Coast's vibrant coffee culture. Take a moment to indulge in Rod's top coffee picks and let us know what you think.
Click here to read the full blog.
RBA has agreed to implement the 10 recommendations and provides a summary of each decision. These include changes to the frequency and format of board meetings, the release of statements and reports, and the oversight of research and climate change analysis. The Treasury is expected to make a decision on the reappointment of RBA Governor Philip Lowe, whose term ends in September.
Click here to read the full blog.
If you're seeking a peaceful lifestyle surrounded by natural beauty and convenient amenities, Macksville, on the North Coast of NSW could be the perfect place to buy a property.
Click here to read the full blog..png)
Whether you're seeking a permanent residence or an investment opportunity, Nambucca has something to offer everyone. Explore the real estate market in Nambucca today and discover the endless possibilities that await you in this coastal paradise.
Click here to read the full blog.
From their extensive market knowledge and personalised guidance to access to multiple lenders and negotiation skills, mortgage brokers offer invaluable assistance throughout the entire process. If you're looking for finance for your dream home, consider partnering with a mortgage broker (like North Coast Lending) to ensure a smooth, hassle-free experience and secure the best possible loan terms.
Click here to read the full blog.
Investing in a professional building inspection is a small price to pay for the peace of mind and financial protection it offers. By uncovering hidden defects, ensuring safety and compliance, aiding in budgeting and financial planning, and providing negotiation power, a building inspection empowers you to make an informed decision about your property purchase.
Click here to read the full blog.
Whether you're looking for a long-term investment, a rental property, or a place to call home, Grafton offers a promising blend of potential returns, lifestyle benefits, and community engagement. Don't overlook this hidden gem; consider investing in property in Grafton and unlock the opportunities that regional NSW has to offer.
Click here to read the full blog.
If you're looking to buy a house on the North Coast NSW, Yamba, with its pristine beaches, thrilling outdoor activities, and vibrant community, is a great spot to settling down.
Click here to read the full blog.
Thinking of getting your own slice of commercial property? Look no further! At North Coast Lending, we've got the tips to make it a reality.
Click here to read the full blog..png)
Some key changes are that permanent residents are now eligible to apply for the First Home Guarantee, the Regional First Home Buyer Guarantee & the Family Home Guarantee.
Click here to read the full blog.
When considering purchasing property in Port Macquarie, you are presented with an enticing opportunity to embrace a coastal lifestyle like no other.
Click here to read the full blog..png)
With our years of experience and deep understanding of the local market, North Coast Lending has established a strong reputation for helping aspiring entrepreneurs achieve their goals. The team at North Coast Lending believes in going the extra mile to find the most willing and lowest cost solution for your business finance needs.
Click here to read the full blog.
North Coast Lending can provide invaluable assistance to first-time homebuyers in Woolgoolga, guiding them through the mortgage process, offering expert advice, and helping them secure the best financing options tailored to their specific needs and circumstances.
Click here to read the full blog..png)
When it comes to finding the best place to buy in and around Coffs Harbour, consider factors such as proximity to amenities, lifestyle preferences, and long-term investment potential. With our local expertise and commitment to helping you find your dream home, North Coast Lending is here to support you every step of the way.
Click here to read the full blog.
In the lead up to 2022 we were very aware of the fact the we needed a new broker at North Coast Lending. The question was who to chase?
Click here to read the full blog.
Low interest rates, strong buyer demand and low listings continue to fuel strong house price growth across Australia.
Click here to read the full blog.
A $1,000 credit card reduces your borrowing power by between $6,500 and $7,000. So, a $10,000 credit card drops your borrowing power by between $65-70,000!
Click here to read the full blog..png)
The 2022 National First Home Deposit Scheme (NFHDS) parameters have now been set and lenders participating in the scheme are now starting to reserve places.
Click here to read the full blog.
On the 26th of November 2021 we hosted the inaugural 'Annual North Coast Lending Golf Day' at Sawtell Golf Club.
Click here to read the full blog.
f you are considering upgrading your equipment, don’t waste time going from bank to bank. Talk to us about your needs, and your trading position, and we will work out the best lender for your specific situation.
Click here to read the full blog.This week the NSW Government announced this week that the stamp duty threshold on new homes for first home buyers has increased from $650,000 to $800,000.
Click here to read the full blog..jpeg)
As a rule of thumb, you will want at least a 5% deposit, plus a little more for costs.This deposit will need to have been saved up or held for more than 3 months to be considered genuine.With less than 20% deposit, mortgage insurance will apply and this is another cost to consider.
Click here to read the full blog.
You may have heard, but the rental market along the Coffs and Clarence Coasts has been pretty crazy. Demand for rentals is through the roof, with one agent reporting over 180 applications for a single property.So, why is this happening? It’s a classic case of supply and demand.
Click here to read the full blog.
You will have seen, or heard, that all of the places in the National First Home Deposit Scheme have been allocated. So what does this mean for you, if you wanted to get on board?
Click here to read the full blog.
The property market is hot at the moment, and for the majority of cities around the country, we are in a seller’s market. After a period where house prices were stagnating and transactions were declining, the power has moved from buyers to sellers.
Click here to read the full blog.Just complete the form below for a list of home loan options to suit you.
We're here to help. Fill out the form below and we'll be in touch.
