Get in Touch

Home Loan

First Time Homebuyer Loans We believe everyone deserves a place to call home. Our goal is to help you achieve this important milestone, understanding that it requires careful planning and action.
0406 339 896

We provide a wide range of home loan solutions tailored to real-life needs

At New Age Mortgage Brokers, we know everyone’s financial journey is unique, which is why we keep our approach flexible. As trusted brokers, we look beyond the numbers to understand your goals and match you with lenders who may help where others can’t. Explore the options available to you below:

Buying a Home

Buying a home is one of life’s most important milestones, and it deserves the right support. At New Age Mortgage Brokers, we take the time to understand your goals and guide you through the process with confidence. Whether you’re upsizing to a larger property, downsizing to something more manageable, or moving into a new location, we’ll make sure your finance works for your lifestyle and budget.

Traditional lenders often apply strict rules and criteria that can make approval difficult. Our role as your broker is to compare a wide range of lenders and products, finding solutions that are flexible enough to suit your situation. With expert advice and ongoing support, we’ll make the process of buying a home smoother and less stressful.

Refinance your home loan

Refinancing your home loan can transform your financial position, offering opportunities to save money or free up funds for other goals. Whether you want to reduce your interest rate, lower your monthly repayments, or unlock equity for renovations or investments, refinancing gives you the flexibility to make your mortgage work harder for you. At NAMB, we’ll carefully review your current loan and compare it with competitive options across our panel of lenders. We’ll explain the benefits, highlight potential savings, and guide you through the refinancing process step by step. The result? More control over your finances and the confidence that you’re on the best possible deal for your future.

Home loans for the self employed

Being self-employed or running your own business shouldn’t mean giving up on your property dreams. At New Age Mortgage Brokers, we understand that income for business owners and freelancers doesn’t always fit into neat boxes — and that’s okay. We work with lenders who specialise in self-employed borrowers, offering more flexible ways to verify income and assess affordability. Even if you’ve only been trading for a short time, you may still have options. Our team will guide you through the documentation required and connect you with lenders who look beyond the standard 9-to-5 criteria. With our support, being self-employed doesn’t have to be a barrier to home ownership.

Buying a Home

Past credit issues don’t have to define your financial future. Many traditional banks place heavy weight on your credit score, but at New Age Mortgage Brokers, we work with lenders who take a more flexible view. Life happens — and just because you’ve experienced financial setbacks doesn’t mean your property goals should be out of reach.

We’ll take the time to understand your current circumstances and look for solutions that give you another chance at securing a home loan. Whether you’ve had defaults, missed payments, or other credit challenges, we’ll help you explore pathways forward and work toward achieving your property goals with confidence.

Home loan options for borrowers with bad credit

Buying your first home is exciting, but it can also feel overwhelming with so many moving parts. From saving your deposit to understanding government grants and comparing lenders, it’s easy to feel lost in the process. That’s where we come in — guiding you every step of the way and making sure nothing gets overlooked.

At New Age Mortgage Brokers, we’ll explain your options in simple terms and help you find a loan that matches your budget and lifestyle. We’ll also make sure you’re aware of any government incentives that could save you thousands. With our support, your first step into the property market can be smooth, stress-free, and rewarding.

Investment property home loans

Property investment can be a powerful way to build wealth, but it requires the right finance structure to succeed. Whether you’re purchasing your first investment property or expanding an established portfolio, we’ll help you choose the right loan to support your strategy. From interest-only repayments to flexible investor products, we’ll tailor solutions around your goals.

We’ll also work with you to explore how your investment loan fits into your broader financial plan, ensuring it supports long-term growth. With our expertise and access to a wide range of lenders, you can focus on building your portfolio while we take care of the finance.

Find 40 lenders all in one spot.

Frequently asked questions

Here are some of the most common questions home buyers and property investors ask us at New Age Mortgage Brokers (NAMB). If you don’t see your question here, you can always explore our full FAQ guide or reach out to our team for tailored advice.
How much can I borrow for a home loan?

Here are some of the most common questions home buyers and property investors ask us at New Age Mortgage Brokers (NAMB). If you don’t see your question here, you can always explore our full FAQ guide or reach out to our team for tailored advice.

Home loans often come with a mix of upfront and ongoing costs. These may include application fees, settlement fees, valuation charges, and in some cases, lenders mortgage insurance (LMI). Some fees can be rolled into your loan, while others need to be paid upfront. In addition, you’ll also need to account for legal costs, stamp duty, and state government levies, which cannot be added to your loan balance and are usually due at settlement. Being aware of these expenses upfront can help you budget more effectively.
Interest rates vary depending on your personal circumstances and the type of loan you apply for. Lenders typically look at factors such as:
  • Your Loan-to-Value Ratio (LVR) – how much you’re borrowing compared to the property’s value
  • The size of your deposit
  • Your income and financial stability
  • Credit history and existing liabilities
  • Repayment type (principal & interest vs. interest-only)
  • Whether the property will be your home or an investment

You can check your indicative interest rate in just a few minutes using our interest rate calculator. It’s quick, simple, and has no impact on your credit score.

Interest rates vary depending on your personal circumstances and the type of loan you apply for. Lenders typically look at factors such as:
  • Your Loan-to-Value Ratio (LVR) – how much you’re borrowing compared to the property’s value
  • The size of your deposit
  • Your income and financial stability
  • Credit history and existing liabilities
  • Repayment type (principal & interest vs. interest-only)
  • Whether the property will be your home or an investment
The deposit required depends on the type of loan and the lender’s policies. Many lenders allow you to borrow up to 95% of the property’s value, which means you may only need a deposit of around 5%. However, it’s important to remember that you’ll also need to budget for stamp duty, government charges, and any loan-related fees. These costs can’t usually be added to your loan, so having extra savings will help cover them.
Comparing home loan rates is about more than just the advertised interest rate. You’ll also want to look at loan features, flexibility, and any associated fees. Even a small difference in rates can add up to thousands of dollars over the life of a mortgage. Our interest rate calculator can give you an idea of the rate you may qualify for, while our repayment calculator helps you see what your regular repayments could look like. By comparing the numbers, you can make an informed decision on which home loan is right for you.
Scroll to Top