What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Nice Loans - Your Trusted Mortgage Broker

Home
Australia
Brisbane, QLD
Nice Loans - Your Trusted Mortgage Broker

Call Directions Website

Nice Loans is your reliable mortgage broker based in Brisbane, QLD, serving clients across Australia. We offer personalized services by comparing loan options from over 40 lenders, helping you navigate competitive rates, features, and fees tailored to your unique situation. Our team is available 24/7 to assist you in making informed financial decisions.

Nice Loans is an independent mortgage broker based in Brisbane, QLD, dedicated to serving our mortgage and commercial clients across Australia. We pride ourselves on our availability, offering support 24/7 to ensure our valued clients receive the assistance they need whenever they need it. With access to over 40 lenders, we work to bring you the best options tailored to your financial situation.

At Nice Loans, we provide valuable insights to help you make informed decisions. For instance, did you know that lenders often disburse payments in stages? If you're self-employed, it's important to recognize that your loan application may be evaluated differently across lenders, influenced by factors such as your business structure and trading history.

We are here to guide you through the mortgage process and help you make the best choices for your financial future.

03/11/2026

The RBA has raised the cash rate by 0.25 percentage points to 4.85%, its highest in 18 years.

For borrowers, this may mean higher variable home loan rates and increased repayments, depending on each lender’s decision. It may also affect borrowing capacity for those planning to buy.

Want to understand what this change could mean for your situation? Speak with Nice Loans.

02/11/2026

Making an offer on a home? Price is not the only thing you can negotiate.
Read our story for practical tips before you make your move https://niceloans.com.au/tips-to-negotiate-a-home-purchase/

Negotiate a home purchase by learning winning strategies for smarter buying. Get expert tips to negotiate your first home purchase effectively.

02/11/2026

A family member offering to help with your home deposit is generous. It can also create a few extra questions during the loan application.

Lenders may ask whether the funds are a genuine gift, whether repayment is expected, how the money was transferred and what supporting records are available. Requirements vary, so an informal promise or a bank transfer alone may not be enough.

If family is helping with your deposit, raise it early with your broker so you can prepare the right evidence before you make a purchase commitment.

29/10/2026

Before settlement, make sure you understand the documents you are signing and the obligations they create.

Your broker or lender can explain the credit contract, interest rate, fees, repayment structure and any loan conditions still to be met. Your solicitor or conveyancer can explain the contract of sale, important legal dates and settlement adjustments.

Confirm how much money you need and when it must be available before settlement.

22/10/2026

Two people on the same income can receive very different borrowing estimates. Living expenses, dependants, debts, credit limits, income type and loan term all matter, and each lender assesses applications differently.

Start with accurate figures instead of guessing how much you could borrow. A borrowing-power calculator can give you a useful estimate, but it is not loan approval and does not account for every lender’s policy.

19/10/2026

A low interest rate is only part of the picture. Features such as offset accounts, redraw and flexible repayments can also affect how your home loan works for you.

Read our latest blog to understand the options before choosing your loan.
https://niceloans.com.au/home-loan-features-explained/

Understand how home loan features work in Australia. Explore interest rates, fees and charges, and the pros and cons to find the right home loan for you.

18/10/2026

A strong property offer is about more than the price. Your budget, settlement terms, contract conditions and preparation can all shape the outcome.

Read our latest blog for practical tips on negotiating your next home purchase https://niceloans.com.au/tips-to-negotiate-a-home-purchase/

Negotiate a home purchase by learning winning strategies for smarter buying. Get expert tips to negotiate your first home purchase effectively.

18/10/2026

The price accepted by the seller may not be the value your lender uses. The lender might use an automated or professional valuation to assess the property as security.

If the valuation is lower than the purchase price, it may affect your loan-to-value ratio and how much money you need to contribute. Valuation methods and lender requirements differ, so make sure you understand the outcome before your finance deadline.

16/10/2026

A credit card can have a zero balance and still affect a home-loan assessment. Some lenders treat the approved limit as potential debt because the funds remain available to use.

Before reducing a limit or closing an account, check whether you still need the card and ask how the relevant lender treats it. The effect on borrowing capacity varies with the lender and your wider circumstances.

14/10/2026

Fixed, variable, split or interest-only? Choosing a home loan can feel confusing.

Read our latest blog to understand the different types of home loans in Australia and find out which option may suit your circumstances. https://niceloans.com.au/types-of-home-loans-australia/

Compare all types of home loans in Australia: variable, fixed, interest-only, and more. Find the best type of home loan with attractive comparison rates.

Address

66 Reinhold Crescent, Chermside
Brisbane, QLD
4032

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61731142281

Website

https://niceloans.com.au/

Alerts

Be the first to know and let us send you an email when Nice Loans - Your Trusted Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.