NG Loans • Nick Terkulov • Mortgage broker • Home & Commercial loans

NG Loans • Nick Terkulov • Mortgage broker • Home & Commercial loans We don’t believe in one-size-fits-all solutions. Instead, we take the time to deeply understand your unique situation, assess your finances, needs, and goals.

Brisbane based, Auswide
Helping you to achieve your financial goals
Home loan | Finance | Investment loans
Book a free consultation now!
☎️ https://calendly.com/ngloans ☎️ 🌟 Welcome to NG Loans – Your Trusted Partner in Mortgage Solutions 🌟

At NG Loans, we’re more than just a team – we’re problem solvers dedicated to helping you achieve your property goals. With years of experience in the banking

and finance industry and partnerships with over 60 lending institutions across Australia, we have the expertise and tools to find the perfect mortgage solution for every client. 🏡💼

Why Choose NG Loans?

★ Personalized Solutions
What sets us apart is our tailored approach. This allows us to craft customized strategies that often succeed where others fail, even in the most challenging cases finding finances for low doc or low deposit loans, mortgage solutions self-employed applicants, loans for bankruptcies, and more).

★ Comprehensive Support
We simplify complex mortgage terms, guide you through every step of the process, and ensure you feel confident in your decisions. Whether you’re exploring residential mortgages, commercial property loans, or refinancing options, we’re here to provide flexible solutions tailored to your needs. Plus, we continually provide your loans health check to ensure you’re always getting the most cost-effective and competitive terms.

★ Always Available
At NG Loans, we pride ourselves on being accessible whenever you need us. Have a question? Need mortgage advice? We’re just a call away, ready to assist with anything from improving your loan conditions to navigating complex financial situations. We also offer flexible communication options, including early mornings or evenings and weekends, to fit your busy schedule.

🚀 Let’s Get Started
Book a free, no-obligation call with us today to discuss your situation and discover how we can help you secure the right mortgage solution. Click below to schedule your appointment and take the first step toward making your property goals a reality! 🏠✨

► https://calendly.com/ngloans ◀︎

As a mortgage broker, I don’t just help clients buy homes — I also guide them through selling. 🤝🏼When upgrading to a new...
27/03/2025

As a mortgage broker, I don’t just help clients buy homes — I also guide them through selling. 🤝🏼

When upgrading to a new home, many sellers ask: what are the extra costs involved?

In this post, I’ve broken down all the expenses you need to know—from agent commissions to legal fees and hidden costs.

👇🏼Swipe through and save this post for future reference!

🔥 What a ripper night at the Better Business Awards 2025! 🔥A top-notch gala, well-deserved awards, and some of the sharp...
21/03/2025

🔥 What a ripper night at the Better Business Awards 2025! 🔥

A top-notch gala, well-deserved awards, and some of the sharpest minds in the industry — nights like these are a solid reminder that success comes from hard work, knowledge, and always pushing to be better.

Massive congrats to all the winners and nominees! 🏆 You lot are absolutely smashing it, and it’s bloody inspiring to see.

Just got back from the Better Business Summit, and what an absolute cracker of an event! 💡🔥The lineup was next level – f...
20/03/2025

Just got back from the Better Business Summit, and what an absolute cracker of an event! 💡🔥

The lineup was next level – from banking execs and high-tech leaders to some of the sharpest brokers in the game, all sharing their journeys and insights.

🔹 Had some great chats with private finance reps about where the market’s headed and the latest trends.

🔹 The biggest inspiration? Dylan Alcott – Paralympic champion, triple gold medallist, 2022 Australian of the Year, and all-round legend. He spoke about how people put limits on themselves and hold back from living life to the fullest. Crazy stat: 18% of Aussies (4.4 million people) have a disability, and Dylan’s foundation is doing amazing work to support them.

🔥 His story is a solid reminder that anything’s possible if you back yourself and push through!

📉 On the finance front, NAB hinted at potential rate cuts on the horizon – great news for anyone thinking about getting into the property market!
🏡 Plus, QLD’s real estate scene is holding strong, making it a solid spot for investors.

Epic day, packed with valuable insights and great connections! 🚀 Who else made it to the summit? Drop your thoughts below!👇

They say behind every successful man, there’s a woman. Can’t say much about success, but I know this for sure – behind e...
07/03/2025

They say behind every successful man, there’s a woman.

Can’t say much about success, but I know this for sure – behind every happy man, there are two. For me, it’s my incredible wife, Guzel, and our daughter, Amelia.

It’s not just professional ambition or my drive to help people that keeps me pushing forward.
It’s them.

My girls give me the energy to move mountains, take on the banks, fight for the best deals, refuse to take no for an answer – and win.

We often celebrate women for their strength.
And rightly so – you hold entire universes together. But maybe, just for today, let’s not talk about strength?

Let today be about your peace.

The warmth that comes back to you.
A home – not just as a roof over your head, but as a place where you feel safe, comfortable, at ease.
I hope every woman has her own quiet harbour – a place to step away from the chaos, even for a moment, and just be.

To the amazing women out there – happy International Women’s Day! 💐
May you have everything that makes you truly happy.

And if part of that happiness is finding your dream home, you know who to call. 😉
Nick Terkulov, your mortgage broker.

How to Buy a New Apartment With Minimum Financial Documents?Quite often people think that without Tax returns and Financ...
07/03/2025

How to Buy a New Apartment With Minimum Financial Documents?

Quite often people think that without Tax returns and Financial statements, securing a home loan is impossible. 🤯
But that’s not the case.☝🏼

I recently worked with clients who wanted to sell their current apartment and purchase a new one, but they didn’t have new tax returns ready and old financial statements didn’t reflect their current financial situation. 🥲 They were expecting rejection, but we found a flexible solution that worked in their favour.👌🏼

How did we secure a loan for them despite the challenges?
Read below 👇🏼

1️⃣ The Situation:

🏡 My clients wanted to sell their current apartment and buy a new one, but their previous years tax returns didn’t reflect their current income. New financials were not ready and they wanted to get approval asap.
💰 They needed fast loan approval but knew that traditional banks might decline their application.

2️⃣ The Solution:

✔️ We found a lender that accepts alternative documents instead of tax returns and financial statements.
✔️ We secured a loan through Bluestone, where the approval process was quick and smooth.
✔️ The interest rate was only ~1% higher than what major banks offer as customers used sale proceeds as a deposit.
✔️ The clients negotiated with the buyers of their current apartment to stay there longer, allowing us to settle both deals at different times.

3️⃣ The Result:

✅ They successfully purchased their new home without financial stress.
✅ They are now finishing renovations and preparing for their move.
✅ In 1–2 years, they might refinance their loan with a major bank at a lower rate since their financials will be in better shape, and their property value will be higher too.🚀

💡 Key takeaway: If your financial situation is complex, don’t assume you’re out of options! There are lenders in Australia that work with non-traditional income structures—you just need to know where to look.

🏡Thinking of buying but unsure about your financials? Let’s talk! Book a free consultation calendly.com/ngloans, and I’ll help you find the best loan options available.

🌪 With the recent cyclone hitting Australia in March 2025, many homeowners and businesses are facing significant challen...
06/03/2025

🌪 With the recent cyclone hitting Australia in March 2025, many homeowners and businesses are facing significant challenges, from property damage to financial strain. In response, major banks have stepped up to offer support for those affected.

👉 What support is available?

✓ Mortgage repayment deferrals
Many banks are allowing affected customers to pause their loan repayments temporarily.

✓ Reduced interest rates and waived fees
Some lenders are offering lower interest rates on existing loans to ease financial pressure.

✓ Fast-tracked insurance claims
Insurers are working to speed up claims processing so customers can access funds sooner.

👉 What should you do if you've been impacted?

❶ Contact your bank – Find out what financial relief options are available based on your situation.

❷ Gather necessary documents – You may need to provide evidence of property damage or financial hardship.

❸ Explore alternative support – If your bank’s relief measures aren’t enough, look into government assistance programs or other financial institutions.

In tough times like these, it’s good to know that financial institutions are stepping in to help. 🙏 Don’t wait—reach out early to discuss your options and make a plan for recovery. Stay safe!

Your mortgage is approved.😍 You’ve bought your property. At this point, many people think they’ve done everything possib...
27/02/2025

Your mortgage is approved.😍
You’ve bought your property. At this point, many people think they’ve done everything possible to make their home loan as cost-effective as possible.
And they’re right.

Well… almost.😏

🤫Here’s something most people don’t realise: there are ways to make your mortgage even more affordable after you’ve settled.
One of the most powerful tools? 💡An offset account.
It could save you thousands.

How does it work? Who benefits the most? And is there a catch? ↓↓↓

1️⃣ An offset account is a regular bank account linked to your mortgage. The money in this account doesn’t reduce your loan balance, but it offsets it—meaning you pay interest only on the remaining amount.
👉 The more money in your offset account, the less interest you pay.

✽ Important: Your offset account must be with the same bank that issued your mortgage, as it’s directly linked to your loan.

2️⃣ How Does It Work?

Let’s say you have a $500,000 mortgage and keep $50,000 in an offset account.
✅ Instead of paying interest on $500,000, the bank charges interest only on $450,000!
That means lower interest payments and a faster path to paying off your loan.

3️⃣ Is an Offset Account the Same as a Savings Account?

Nope! Unlike a regular savings account, which may have withdrawal limits, an offset account is fully flexible.

You can spend, withdraw, and transfer money whenever you like—just like a normal transaction account.

Plus:
🔹 Mortgage interest rates are higher than savings account returns.
🔹 Income that you can earn based on saved interest is not tax deductible

✽ Think of it as a "discount" on your mortgage interest.

4️⃣ Who Benefits Most from an Offset Account?

Honestly? Anyone who wants to pay less interest. If you have spare cash sitting in an account, why not make it work for you?😎

But in my experience, business owners and freelancers use offset accounts the most. Why? Because their income can fluctuate, and this setup allows them to park extra cash while keeping it accessible.

☝️If your monthly budget is tight and every dollar is allocated, an offset account may not be a priority. But if you have spare funds, this is a great way to reduce what you owe the bank!

⭐️Remember: your money should be working for you, not just sitting there!

📌Key Things to Know

• Not all banks offer offset accounts.
• Offset mortgages may have slightly higher interest rates than standard loans.
• Some banks charge fees for maintaining an offset account.

Choosing the right setup is crucial—and that’s where I can help.

Wondering if an offset account is right for you?
Drop your questions in the comments or book a free consultation via the link calendly.com/ngloans 🚀
Let’s set up your mortgage to save you money and get you debt-free faster! 🤝

If your salary just went up, that’s not just extra cash in your pocket – it’s also a great opportunity to improve your m...
21/02/2025

If your salary just went up, that’s not just extra cash in your pocket – it’s also a great opportunity to improve your mortgage situation. 🔥 Let’s break down why this matters and what steps you should take.👇🏼

❔What Is borrowing capacity, and why does It change?

Your borrowing capacity is the amount a bank is willing to lend you for a property purchase. It’s based on your income and living expenses, including any existing loans and credit cards.

💡When your salary increases, banks may offer you:

✔️ A Higher Loan Amount – You could now afford a more expensive property.

✔️ An Investment Property Loan – Use your increased borrowing power (and equity) to buy a rental property and generate passive income.

✔️ Faster Mortgage Payoff – Make extra repayments, shorten your loan term, and save thousands in interest.

❔What Should You Do After a Pay Rise?

✅ Review Your Current Mortgage
If you already have a home loan, it’s worth checking if your lender can offer better terms. A lower interest rate or the ability to pay off a chunk of your loan sooner could save you money.

✅ Recalculate Your Borrowing Capacity
Consult a mortgage broker (like me!) to reassess your financial position. I often help clients unlock significantly higher borrowing power by reviewing their entire case. This can open up new investment opportunities.

✅ Consider Investing in Property
Buying an investment property could be a smart way to grow your wealth and create passive income through rent.

✅ Look Into Refinancing Options
If another bank is offering better loan terms, refinancing could help you save on interest and improve your financial position.

✅ Plan Your Next Property Purchase
If you're still exploring the market, a higher salary could expand your options and help you secure a better home.

👉 Bottom Line:

If your income has increased, don’t just leave your mortgage as it is. This could be the perfect time to reassess your strategy, secure better loan terms, or invest in a new property for extra income. The choice is yours!

Let’s chat about your options—I'm here to help.🧡

Just as I predicted back in January – it’s happened!🔥This morning, the Reserve Bank of Australia cut the cash rate by 0....
18/02/2025

Just as I predicted back in January – it’s happened!

🔥This morning, the Reserve Bank of Australia cut the cash rate by 0.25% for the first time since 2020. 🔥

This is exactly the scenario I forecasted last year, and chances are, it’s only the beginning. Experts expect another 3–4 cuts throughout 2025.

What does this mean for the market?

✅ Increased borrowing power – Banks can now approve larger loan amounts, making home loans more accessible.
✅ Savings on mortgages – A $1M loan could now save you around $160 a month, or nearly $2,000 a year.If we have further rate reductions during the year savings can increase accordingly.
✅ More buyer competition – Demand already outweighs supply, and with cheaper borrowing, even more buyers will enter the market.

What about property prices?

Here’s the catch. Lower interest rates are great for buyers, but analysts predict property prices in major cities like Brisbane, Perth, and Adelaide could rise by 15–20% within a year.😰

Why? Because demand is already higher than supply – and now, with cheaper loans, even more people will be looking to buy.
⚡️The longer you wait, the more expensive your dream home might become. Don’t say I didn’t warn you!

If you already have a mortgage, I can calculate how much you’ll save. If you’re planning to buy, I’ll help you secure the best loan possible. As always, I dive into the details, strategise, and negotiate the best conditions for my clients.😌👍🏼

For those who’ve been planning, calculating,
and waiting – this is your moment.🤟🏼

Happy Valentine’s Day!❤️If you’ve already found the one—may your love stay strong and never fade. But if you’re still se...
14/02/2025

Happy Valentine’s Day!❤️

If you’ve already found the one—may your love stay strong and never fade. But if you’re still searching… maybe your next great love will be a dream home, a prime office space, or the perfect investment property?😍🤤

And if that’s the case, I’m your Mortgage Cupid—Nick 🏹. I’ll make sure you find the one when it comes to your home loan, land purchase, or construction finance. The best rates, the right lender, and a smooth approval process—I’ll handle the tricky parts, so your mortgage journey has the happy ending it deserves.

Drop your property questions in the comments or shoot me a DM – I’m here to help!

👇🏼And now, let’s have a little fun: swipe through to see what love and mortgages have in common. 😉

“Nick, why didn’t we come to you earlier?!”🤯It’s nice to hear, but it also stings a bit, because behind that phrase ther...
12/02/2025

“Nick, why didn’t we come to you earlier?!”🤯

It’s nice to hear, but it also stings a bit, because behind that phrase there are all the unnecessary steps, wasted time, and sometimes even money. 🥲💰

I’ve decided to share some common (and not-so-common) misconceptions about mortgages in Australia, so you don’t step into the same traps and your path to homeownership is smart and well-planned.

Take notes:
💡 Mistake 8 out of 10 buyers make
— “I’ll save up the deposit first, then see the broker.”

It sounds logical, and I get why you’d think that. You want to have everything sorted out before heading to a broker with your numbers ready.

⚠️But in reality, you should be going to a broker first.
Find out everything you need to know, figure out the best strategy for your situation, and then save.

Or maybe you don’t even need to save.

When you delay seeing a broker, you’re unknowingly cutting yourself off from some pretty sweet bonuses:
✅ You might already have money (for example, equity in your current property).
✅ You might be eligible for government grants and programs you’ve never even heard of.
✅ You’ll know exactly how much you need in reality, not just in theory.
✅ You’ll avoid making saving mistakes that could impact your loan approval down the track.

🪄The takeaway: Readiness isn’t just having the money in the bank, it’s having a solid plan. Strategy first, then action.🤝🏼

Got your pre-approval and think you’re all set to buy your dream home? 😏 Not so fast! There are a few potential roadbloc...
06/02/2025

Got your pre-approval and think you’re all set to buy your dream home? 😏 Not so fast! There are a few potential roadblocks that could lead a bank to decline your loan – even after giving the green light. From property issues to changing lending policies, it’s important to stay prepared and informed. So, what should you watch out for? Let’s break it all down below! 👇

Why a Bank Might Decline Your Loan After Pre-Approval?

❶ Changing Jobs After Pre-Approval.

Got your pre-approval sorted and thinking about switching jobs? Be careful! ⚠️ Banks often ask for updated income documents, especially if your pre-approval is a few months old and you haven’t found the right property yet. A job change could mean more questions, another round of checks, and longer processing times.

❷ The Property Doesn’t Meet Bank Criteria.

Not every property is bank-friendly. If you’re looking at a home in a flood zone or under high-voltage power lines ⚡, the bank may refuse financing. Even the size of a property matters—tiny apartments or places without essential facilities often get flagged. This is especially risky if you’re buying at auction. Win the bid, and you’ll need to pay the deposit on the spot, but if the bank rejects the property as security, you could lose that deposit. 💸

❸ The Bank Changes Lending Policies.

Between your pre-approval and purchase, banks can change their lending criteria or terms. 🔄 That’s beyond your control, but it could trigger a re-assessment of your loan. As a mortgage broker, I stay on top of these policy shifts and get advance updates from lenders, ensuring my clients avoid any nasty surprises. 😬

❹ Automated Pre-Approvals.

Some banks issue pre-approvals automatically 🤖, but when a human assessor gets involved, unexpected issues might arise—be it internal criteria or other fine details. Without a broker’s guidance, you could be left scrambling. That’s why I always make sure a real person at the bank reviews my clients' applications thoroughly. ✅

❺ Interest Rate Hikes.

Imagine securing a pre-approval, and suddenly the interest rate soars.📈While no one can predict the market perfectly, you can reduce this risk by locking in your rate.🔒 Yes, rate locks are a thing in Australia! Even if rates rise after your pre-approval, a locked-in rate ensures your loan stays on the agreed terms. It’s a simple step that can save you thousands, and it’s a strategy I’ve mastered over my 20 years in the industry.

❻ Undisclosed Financial Details.

If there’s one golden rule in lending, it’s transparency. Banks don’t take kindly to hidden debts or dodgy documents. 🧐 Any dishonesty could not only lead to loan rejection but also damage your credit history, making future loans harder to secure. 🚫

❉❉❉❉❉❉❉

Feeling Overwhelmed? Let’s Talk.
If buying property in Australia feels like navigating a minefield, don’t stress. Book a free consultation with me via the link calendly.com/ngloans or just DM me: "Nick, help me buy a house."

With access to over 60 Australian lenders, I’ll help you find the best deal and take the stress out of the process. Chat soon!🧡


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