Loan Resources

Read all the latest news, tips and insights in the North Coast Lending blog.

What does a mortgage broker do, and how are they different from a bank?
‍A mortgage broker acts as an independent intermediary between you and a range of lenders. Unlike a bank, which can only offer its own products, a mortgage broker like North Coast Lending has access to over 50 lenders — including major banks, credit unions and non-bank lenders — and finds the loan that best suits your specific situation. North Coast Lending is not owned by or affiliated with any bank, so their advice is genuinely independent.

How much does it cost to use North Coast Lending?
‍North Coast Lending's home loan broking service is completely free to you. They are paid a commission by the lender once your loan settles, and this commission is disclosed upfront so there are no surprises. You get access to expert advice and a wide panel of lenders at no out-of-pocket cost.

What areas does North Coast Lending service?
‍North Coast Lending is based in Coffs Harbour, NSW, and services clients across the entire Coffs Coast region — from Macksville and Nambucca in the south, through Coffs Harbour, up to Woolgoolga in the north, and inland to Dorrigo and Armidale. They also assist clients across Australia, so wherever you're located, the team can help.

How many lenders does North Coast Lending have access to?
‍North Coast Lending works with a panel of over 50 lenders, including major banks, second-tier banks, credit unions and specialist non-bank lenders. This means they can compare a wide range of home loan, business loan and equipment finance options to find the most suitable product for your needs.

How experienced is the North Coast Lending team?
‍The North Coast Lending team has a combined experience of over 130 years in the finance industry. The team includes specialists in home loans, business finance, SMSF lending, equipment finance, agribusiness and commercial property. Several brokers are also deeply embedded in the local Coffs Coast community.

Aug 2026

First Home Buyer - Top Ten Questions Answered with Sonia

Sonia Jones answers the ten questions first home buyers ask her most often. From how much you can borrow and what deposit you'll need, to the difference between fixed and variable rates, and why using a broker can make the process easier.

Click here to read the full blog.

Aug 2026

Intro to Commercial Property Investing: The Why, the How and the Numbers

Rod Cross sits down with commercial property specialist Cherie Parik and accountant Chris Ayling to unpack commercial property investing from three angles: why investors are drawn to it, how to assess a deal properly, and the tax and finance considerations behind the decision. Watch the full webinar on Youtube.

Click here to read the full blog.

Aug 2026

Navigating the New Investment Property Landscape

Australia's investment property tax rules have changed, and it's reshaping how investors approach negative gearing, capital gains and SMSF property strategies. The takeaway: property remains a solid wealth-building tool, but the strategy behind it may need to shift. Get in touch with the team at North Coast Lending today.

Click here to read the full blog.

Jul 2026

Sawtell: Salt Air, Good Coffee and a Property Market That Doesn't Muck Around

Last month there were just 25 properties for sale and 19 for rent, so competition is real. Median house prices are sitting around $1.28 million, with units at $702,500, and rental yields still stack up nicely for investors. Whether you're chasing the Sawtell lifestyle or eyeing it as an investment, we can help you figure out what's actually achievable.

Click here to read the full blog.

Jul 2026

Bonville: A Lifestyle Worth Investing In

Bonville's got it all — national park on one side, farmland on the other, and a golf resort worth bragging about. But between suburban blocks and rural acreage, financing here isn't one-size-fits-all (and yes, some lenders still can't find it on a map).

Click here to read the full blog.

Jul 2026

What Businesses with ATO Debt should know about their options

ATO enforcement is ramping up and interest on tax debt is no longer deductible. Here's what Coffs Coast business owners carrying ATO debt need to know and how business finance can help you get back in control before options run out.

Click here to read the full blog.