Nice Loans - Mortgage Broker

03/09/2026

✨ Happy Krishna Janmashtami 🦚💙
May the lord guide us to the righteous path.

03/09/2026

🔄 Refinancing is not simply “find a lower rate and switch.” Before changing your home loan, understand:
✔️ Your current loan
✔️ Switching costs
✔️ The new loan term
✔️ Features and fees
✔️ Whether the change actually suits your circumstances

A refinance review should help you understand your options, not pressure you into changing lenders.

29/08/2026

📁 Planning a home-loan enquiry? Get organised first.
Having your key financial information ready can make it easier to understand your position and what additional information may be required.
🔖 Save this Reel for later.
📩 Ready to start asking questions? Message Nice Loans.

27/08/2026

Our Nice family wishes everyone a happy Janai Purnima and Rakshya Bandhan.
Got your gifts ready for your sisters, or are you still deciding? 🎁

27/08/2026

SAME BORROWER. DIFFERENT LENDER. DIFFERENT OUTCOME?

🤔 Why might one lender view your application differently from another?

Lenders do not necessarily assess every application in exactly the same way. Policies, products, pricing and assessment criteria can differ, which is one reason understanding multiple options can matter.

That does not mean one lender is automatically “better”. It means the option needs to be considered in the context of your individual circumstances.

Mortgage brokers can help borrowers understand and compare loan options from different lenders.

📩 Have questions about your options? Message Nice Loans.

27/08/2026

Our hearts go out to everyone affected by the devastating floods in Nepal.

The grimmest and starkest reminder of Mother Nature’s power. In these tragic times, we mourn the lives lost and extend our deepest sympathies to the grieving families.

Please remain alert, follow official warnings and avoid unstable slopes, flooded roads and other high-risk areas. Move to safer ground, keep essential supplies and your phone ready, and continue checking in with family members.

Let’s keep those affected in our prayers.

25/08/2026

Buying your first home in Victoria?
You may be eligible for a $10,000 First Home Owner Grant, stamp duty savings and other support, but the rules and property limits matter.

Read our guide before you start house hunting https://niceloans.com.au/first-home-buyers-grant-vic/

Buying your first home in Victoria? Learn about the $10,000 First Home Buyers Grant VIC, eligibility, stamp duty savings and buyer support schemes.

25/08/2026

💼 Running your own business and thinking about a home loan?

Being self-employed does not mean every lender will assess your application in exactly the same way.

Depending on the situation, lenders may want to understand your income history, financial records, existing commitments and overall financial position.

The useful first step is understanding what information may be required before applying.

📩 Message Nice Loans to discuss your situation.

23/08/2026

🔢 Property search starts with numbers, not listings.
Before deciding which suburbs or properties to focus on, understanding your financial position can help set more realistic expectations.
💰Deposit: What have you actually saved?
🏦Repayments: What could different loan amounts and rates mean for repayments?
📊Borrowing Estimate: What might your initial borrowing range look like?

Online calculators are useful starting points, but they are estimates rather than loan approvals.
🌐 Explore the calculators at niceloans.com.au

21/08/2026

What does ABS Lending Indicators say about Australian Home Lending?
In the June quarter of 2026, Australia recorded 134,225 new dwelling loan commitments, worth a total of $97.6 billion.

Compared with the previous quarter:
• Total loan commitments fell 5.4%
• Owner-occupier loans fell 3.3%
• Investor loans fell 8.6%
• First-home-buyer loans fell 2.9%

This simply means borrowing activity eased during the quarter, particularly among investors.
Looking at the bigger picture, the number of new loans was almost unchanged from a year earlier, while the total amount borrowed was 6.8% higher.
In simple terms: Australians took out roughly the same number of new home loans as a year ago, but borrowed more money overall.

Source: Australian Bureau of Statistics, Lending Indicators, June Quarter 2026.
Note: Dwelling loan commitments exclude refinancing.