Adelaide Office: Shop 25/429 Montague Road
Modbury North, 5098
Melbourne Office: The Parque, Unit 231/555 - 557 St Kilda Rd
Melbourne, Vic 3004
(08) 8263 4009
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Home Loans Adelaide
Rates are at an all time low. Now is the perfect time to refinance or get a loan for a new property.
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How can we help?
Whether you are a home owner, first home buyer or a seasoned investor, Karyn, Rick and the team will give you professional advice to match your needs. We have a dedicated team here in house, ready to help you find the best loan for your situation.
New 1.5%* Home Loan
UNBELIEVABLE deal! Available to new and existing investment property owners.
0% Deposit Loan
Special new loan available to holders of Degrees that meet certain lending conditions.
Low Rate 3.14% Loan
Don't be fooled into fixed rates when rates are going down. How's this 3.14% variable rate?!
Low Rate Home Loans
We offer both standard variable and fixed rate loans so you can choose one that works for you.
Variable rate loans will usually have a slightly higher interest rate than the basic fixed loan, but they also offer more features and flexibility. The rate will rise and fall with the market index, so your repayment will lower every time a rate cut is released.
Fixed rate loans are set at an established interest rate for a specified period, however it does mean that you will not get the benefit of a drop in rates.
If you’re not sure we can talk you through both types of loans so you have a better understanding of what will suit your situation.
Rates keep being cut and we’re excited to release our 3.14% home loan deal. It’s a variable rate, which allows you to take advantage of any future rate cuts. Best of all, it’s our in-house loan product so we help you every step of the way (no dealing with big bank customer service centres – yay!).
We deal with all the major banks and specialist lenders for investors. We even have our own loan product that helps to maximise your investor loan tax deductions.
We’re a local business in Adelaide, servicing all our clients from our Adelaide office. When you organise a loan through us, we help you before, during and after your loan has gone through.
Loans For Investors
Buying an investment property is much the same as buying your own home, but with slightly different loan options that are structured specifically to help you make the most of your assets and build your wealth.
We’ll help you develop an investment plan that will allow you to be prepared for the inevitable highs and lows of the housing market, and work towards securing your financial freedom.
We’ve recently released a brand new loan for property investors that allows you to secure a 1.5%* interest rate on your owner occupied home loan, so long as you have an investment property loan. It’s an incredible product that can save you thousands in interest per year.
We’re pro’s at finding great deals for investors and have helped property owners with over $180 million in home loans.
We deal with all the major banks and specialist lenders for investors. We even have our own loan product that helps to maximise your investor loan tax deductions.
Loans For First Home Buyers
We help Adelaide first home buyers and your First home Buyer coach will canvas the best banks for your situation and help you narrow down to a small group of options that suit your scenario. We’ll help you understand hidden fees and which type of loan structure to use, which together with a fantastic interest rate, can save you tens of thousands of dollars.
We’re pro’s at finding great deals for first home buyers like you and have helped SA home owners with over $180 million in home loans.
We deal with all the major banks and specialist lenders such as Homestart. We even have our own loan products with interest rates often far lower than the big 4 banks.
ZERO deposit home loans for uni graduates. Yes, that’s right, ZERO deposit! Are you a University graduate? Contact us to find out if you qualify!
Feature Home Loan
We have a brand you home loan product that launches in the coming days with an incredible 1.5%* interest rate. And 1.5%* is truly incredible. Most people are paying 3.8% or more and this loan will literally halve the amount of interest they pay. Enquire now to find out if you are eligible for this fantastic deal.
Customer Reviews
We send each client a request for an honest Google review after each appointment because we value all feedback (positive and constructive). Here below are a selection of recent customer reviews.
Staff were very helpful with sorting a personal loan and very quick with the process!
Justin Lloyd
Loan Client Google Review
Nieuvision has helped me for 6 years now on property investment, financial advise, loans and property management. You get get a customized service, all transactions are easy and facilitated by a professional and friendly team.
They know what they are doing and spend the time to explain it in plain language to non-specialists. Comprehensive service, absolutely recommended.
Marie Viant
Property Investment Client Google Review
Rick & his team genuinely care about getting the best outcome.
I've secured my financial future thanks to their 1-stop shop.
Cain Gava
Client Google Review
Meet The Team
RIck Nieuwenhoven
CEO, Mortgage Broker
Jessica Crannaford
Client Support
Feature Home Loan
We have a brand you home loan product that launches in the coming days with an incredible 1.5%* interest rate. And 1.5%* is truly incredible. Most people are paying 3.8% or more and this loan will literally halve the amount of interest they pay. Enquire now to find out if you are eligible for this fantastic deal.
Contact
(08) 8263 4009
Clovercrest Plaza, 429 Montague Rd, Modbury North SA 5092
Find Out What You Can Afford
Our home loan calculators can help you get an idea of how much you can afford to borrow, your estimated repayments, and how long it will take you to pay off your loan. Simply enter a few details and you will get a projected calculation to help you plan for your loan.
While we do everything we can to ensure the accuracy of our home loan calculators, you should keep in mind that the results are an indication only. Speak to one of our expert consultants for exact information.
Our Top Tips for Getting a Home Loan
We aim to make our home loans Adelaide service as simple as possible, but there are a few things you can do to help fast track your application.
- Be able to prove your income. This includes documents such as payslips, employment details and recent tax returns. If lenders can see that your home loan repayments won’t exceed more than 30% to 35% of your gross monthly income, your loan is more likely to be approved.
- Minimise your debts. Reduce as many of your outstanding debts as you can, including any credit card debts and car and loan repayments. If you can’t pay them off completely, be able to show that your payments are up to date on all of your monthly bills such as your mobile phone, credit card and electricity bills.
- Save. Be able to demonstrate that you have the ability to save. Having a minimum of 5% of the purchase price of the property in genuine savings, and not just as a gift from a family member, will help prove this.
- Find a guarantor. Having a guarantor such as a parent or other family member will show that your loan application can be financially supported by securing it against their home.
- Be able to prove you can make repayments. Demonstrate that you can make consistent repayments by showing bank statements or a repayment history of a previous loan, such as a car or personal loan.
- Minimise your loan applications. Don’t apply for multiple loans over a short period of time, because every application you make will show on your credit file. And if you have been declined for previous loan applications it can leave a mark on your credit history.
Pay Off Your Loan Faster
Once you’ve been approved for a home loan, you’ll want to start thinking about paying it off as quickly as possible. There are three ways you can repay your home loans off earlier than planned:
- Increase the frequency of your repayments. Making weekly or fortnightly repayments instead of monthly repayments will help you save on interest and pay off your loan sooner. For example, if you choose to pay fortnightly, you’ll pay half of your monthly repayments each fortnight. And because there are 26 fortnights in each year it will add up to the equivalent of 13 monthly repayments, which will add an extra month to your total yearly repayment and reduce your principal faster. It will also help you build equity in your home (equity is the difference between the value of your property and the amount you still owe on your home loan).
- Make larger repayments. Pay more than your required repayment amount whenever you can, to reduce the term of your loan. And don’t lower your repayment amount if interest rates fall and the minimum repayment requirement is reduced, because by maintaining the regular repayment that you are already used to, you are effectively making extra payments into your loan.
- Make lump sum payments. Deposit any spare savings into your loan as soon as you can. By making extra lump sum repayments, especially in the early years of your mortgage, your total repayment amount could end up being less as you won’t have compounding interest over time.
Using these methods whenever you can will help you pay off your loan faster, putting you well on your way to owning your own home.
Disclaimers
* 1.5% interest rate is only available to new loans or increases to existing loans when the minimum new borrowing amount is $150,000 and the LVR does not exceed 80% on eligible owner occupied home loan products. It’s also only available for the owner-occupied loan and to get it, you also need an investor loan where the total owner occupied debt does not exceed 35% of your total debt (owner occupier loan and investor loan/s combined). No package or other discounts will apply to the advertised rate. Split loans, land rent loans, interest only loans, loans requiring multiple security and building loans are not eligible. Offer available for a limited time only and may be withdrawn or altered at any time, available for qualifying loans applied for from 19/07/2019. Terms, conditions, fees, charges and normal lending criteria apply.
^ The comparison rate is calculated on a $150,000 loan with monthly repayments over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different (higher) comparison rate. Interest rates are subject to change without notice.
Valuation fees, discharge fees and other fees (such as government charges) may apply.
All loans are provided by Nieuvision Financial Planning, a trading name of Loan Guides ABN 861 235 660 67 AFSL/ Australian Credit Licence 445 229. © 2019. Interest rates are subject to change without notice.