Buying your next home?


Need a little more space? Our team of home loan professionals can help you.


book an appointment
apply online

 
 

Not only are you more familiar with the process, you also have the benefit of home equity, which can really broaden the market in terms of what, and where, you can afford to buy.

PLANNING


GET PREPARED


Thinking about moving house? Some things to consider before you to include:
- Identifying if it's the right time.
- Whether to buy or sell first.
- know what you can borrow.
what type of come will fit your lifestyle.
- Maximisinig the sale value of your current home.
- Review your home loan strategy.

FREE YOUR EQUITY


Equity can best be defined as how much your home is worth, minus how much you owe to the bank. You may use this to pay down the loan, and chances are you may have collected equity worth tens of thousands of dollars. Trouble is, a lot of home owners aren’t sure about how to access their equity. So here is where we can help, contact us today to learn more.

CHICKEN OR EGG?


Most people choose to sell their old home first and then with the available equity purchase a new home. But there are times where buying first may better suit your circumstances. To find out what the best choice for you is, speak to one of our NRG Finance brokers.



GET YOUR LOAN


GET THE RIGHT LOAN


Not only are there hundreds of loans to choose from, some are marketed using names and descriptions that don’t really say much about the loan and how it works.

APPLY RIGHT


There’s a lot riding on your home loan application, and the more prepared you are, the more likely you’ll receive a thumbs up from a lender.

GET PRE-APPROVED


Get auction-ready with a conditional loan approval. Our home loan specialists will help you work out what loan is right for you – and can even start filling out your application.



BUYING YOUR HOME


AUCTION SAVVY


Auctions can offer big advantages – like the chance to secure your dream home at a price that truly reflects its market value. But successful buying at auction calls for some additional work behind the scenes, and knowing what you’re up against is crucial in mastering the auction game.

PREP YOUR CHEQUE


When you make the winning bid at an auction you immediately enter into a binding contract. There is no cooling off period (so it pays to have your home loan pre–approved). During this time it is expected that you pay a deposit – usually 10% of the sale price.

SETTLE UP


The average settlement period is between 4–6 weeks, and if you’re relocating to a new home it can be a busy period with plenty to plan for such as moving furniture, organising a new school for the kids and maybe even a new job.

OUR PANEL OF LENDERS

Thousands of loans, multiple lenders.
We’ll guide you, giving you the ins and outs of each loan, so you can make a more confident decision.

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What our clients say

We’ve helped thousands of Australians finance their dreams


"As first home buyers we knew nothing about buying property let alone financing it. Richard guided us step by step through the whole process. His banking experience and product knowledge left us feeling confident and comfortable with the decisions we made. Definitely be recommending to all our friends and family. Thankyou"

- Probst & Travis

"Richard's communication and dedication to his role is outstanding, proactively checking in with us through the process to make sure we understand everything and to answer the numerous questions we had quite often. We will be keeping in touch periodically moving forward to ensure we're getting the best setup for our loans. Thanks Richard"

- Everitt & Jinks

FINANCIAL CALCULATORS

Free online home loan calculators which we invite you to use.
These calculators will provide you with a solution which may assist you when considering purchasing a property.

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Property Fees


Estimate how much stamp duty and extra fees you might need to pay for a property.

Calculate
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Borrowing Power


Calculate how much you can borrow based on your income, assets and financial commitments.

Calculate
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Repayments


How much will your repayments be? How much can you save with extra repayments?

Calculate

Are you ready to take the next step?

Our finance specialists are available to help you and answer all your questions

book an appointment
apply online
 

Request your free property and suburb report


Your property and suburb report provide a breakdown of information about the property you are considering and valuable information about the area, such as median house prices, recent sales figures, and the local community demographics to help make an informed decision.

DON'T FORGET INSURANCE

Keep your home safe with our many insurance options.
Should you be unable to service the loan repayments through illness, injury or death, be sure you have the right insurance cover.

Learn more