Next Home Loans

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Looking to buy your next home or renovate your dream one?  Make the move to your next home with a mortgage broker by your side.
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Loan Process

We follow a systematic process that keeps everything on track and discipline is what drives us forward.

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Loan types and features.

There are a number of loan types and features that you might want to consider for your new home loan, scroll through some of the options below to get a better understanding of what the differences are. We’re here to answer your questions when you’re ready.

Variable rate loan

As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans also offer the option of additional repayments and redraw, as well as offset accounts.

Fixed rate loan

Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises. You can’t make extra repayments during the fixed term though, so it’s worth thinking about a split loan if you’re planning to pay extra.

Split loan

The best of both worlds - you’re able to fix part of your loan, while leaving the rest variable.

Packaged loan

Professional packages offer discounts on standard variable and fixed rates, the waiving of fees, and in some cases, great deals on other products from the same lender. A packaged loan usually comes with one annual fee for the bundled products.


Generally you have two options for switching your current loan. You can either refinance with the same lender (or a new lender) or pay out the existing loan and take out a new one with your new property. We can help you determine what you can afford and which option may be right for you.
A bridging loan helps you purchase a new home whilst you wait for a buyer to purchase your current one. The loan works by covering the cost of your new property with the idea that this debt will be paid off when your old property sells.
Typically, variable rate home loans offer flexibility whilst fixed rate loans offer predictability. Get in touch with me today and I can help explain how each could benefit you.
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