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Use our loan calculators and read up on all the latest news, tips & finance insights from the Coffs Coast NSW.

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

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Looking to invest in property on Ocean Parade in Coffs Harbour

Running parallel to Park Beach, playing host to cafes, clubs and the world famous Hoey-Moey, walking distance to Northside and Park Beach Plaza and with a range of accommodation options, Ocean Parade is proving itself to be quite the little hotspot of late.

Click here to read the full blog.
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Creative Ways to Own an Investment Property

There's a number of ways to buy an investment property. NCL mortgage brokers have provided some creative ways you can invest like joint property investment, 'rentvesting' & owner-occupier.

Click here to read the full blog.
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Steps to Access your Home's Equity on the Mid North Coast

As a homeowner along the Mid North Coast, including Coffs Harbour, Bellingen, Macksville, Yamba and more, you have a valuable financial resource at your fingertips - the equity built up in your property.

Click here to read the full blog.
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Unlock Your Home's Equity to Invest

Did you know you can borrow up to 100% of an investment property's purchase price, plus costs, by tapping into the equity in your existing home? With the help from our Coffs Harbour Mortgage Brokers, this powerful strategy allows you to maximise your negative gearing advantages and preserve your cash reserves.

Click here to read the full blog.
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Investing in Commercial Property on the Mid North Coast

The Mid North Coast, home to thriving hubs like Coffs Harbour, Grafton, Casino, Kempsey and Maclean offers an exceptional opportunity for savvy investors to tap into the power of commercial real estate.

Click here to read the full blog.
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Navigating the Risks of Commercial Property Investment on the Mid North Coast

Leveraging the expertise of Coffs Harbour mortgage brokers, we'll provide practical strategies to help you navigate these risks and capitalise on the opportunities presented by commercial real estate investments in this dynamic region.

Click here to read the full blog.
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Looking for the ultimate holiday home?

Discover holiday living at its finest and let us assist you in securing the ideal lender for your needs.

Click here to read the full blog.
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Thinking about adding on a granny flat or tiny home?

Are you looking for extra income? Building a granny flat or a tiny home on your property might be the answer. There's an easy way, and a slightly more complicated way to go about it. Find out more.

Click here to read the full blog.
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Looking to buy a house in Sawtell? Have you considered Boambee?

Whether you're seeking a peaceful retreat from the hustle and bustle of city life or a vibrant community to call home, this suburb has it all.

Click here to read the full blog.
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Thinking of buying a house in Sandy Beach?

If looking to purchase a house, and you're exploring your options around Woolgoolga, why not have a look at Sandy Beach. There's the quaint original cottages, some beautiful new homes & some beach front homes along Sandy Beach Drive. Find out why Rod likes Sandy Beach NSW.

Click here to read the full blog.

Exploring the Best Beaches on the Coffs Coast with North Coast Lending Team

Discover the best beaches along the scenic Coffs Coast with North Coast Lending's team favourites. From Jetty Beach to Woolgoolga Beach there's something for everyone.

Click here to read the full blog.
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7 Steps to your Commercial Property Purchase, using Equity in your Property

Whether you're a seasoned investor or new to the game, these steps offer invaluable insights to guide you towards your commercial property goals.

Click here to read the full blog.
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Rod Cross is heading back to the Shitbox Rally in Kermit

In June this year, Rod & Rob are hopping back into Kermit, the outsource Financial Outback Adventurer to tackle the Shitbox Rally’s winter event.

Click here to read the full blog.
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Understanding Equity: Your Key to Financial Opportunities

Learn how equity works, how lenders calculate it, and discover the myriad of possibilities it offers, from property investment to renovations and more. Start leveraging your equity today for a brighter financial future.

Click here to read the full blog.
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Boost Your Business's Bottom Line with the 6-1-5 Rule

Incorporating the principles of the 6-1-5 rule into your business strategy can yield substantial rewards. By focusing on increasing turnover while simultaneously driving down costs and expenses, you can achieve significant improvements in profitability. Take control of your business's financial destiny today by applying the simple yet potent principles of the 6-1-5 rule.

Click here to read the full blog.
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Unlock International Trade Opportunities with Trade Finance Solutions

Whether importing or exporting, leverage trade finance facilities to streamline payments and secure funding for your business needs.

Click here to read the full blog.
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Unlock Business Growth with Invoice Finance

Struggling to secure financing for your business growth? Explore the benefits of invoice finance, a quick and flexible solution that leverages your invoices to keep cash flowing.

Click here to read the full blog.
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The art of successfully negotiating a property purchase price

Successful negotiation requires effective communication, understanding the market, and being flexible.

Click here to read the full blog.
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Upsizing by Adding On

Consider upsizing your home through renovation rather than adding on, but be prepared for potential challenges and expenses; assess your property's current value, outstanding mortgage, budget, and the nature of the renovations, consulting with a mortgage broker to explore suitable loan options and approval processes before initiating the project.

Click here to read the full blog.

Tips for Financing your business needs

In today's business landscape, small enterprises have a plethora of finance options, especially with the emergence of digital lenders in the "new economy." While accessing funds has become more convenient, caution is advised to avoid falling into financial pitfalls.

Click here to read the full blog.
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How to tap into your Equity

Getting good financial advice, and investing wisely means that your equity can allow you to both grow your wealth and own your own home faster.

Click here to read the full blog.
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Maximising Cash Flow: Strategies for Business Success

Effective cash flow management is essential for meeting day-to-day expenses, seizing growth opportunities, and weathering economic uncertainties.

Click here to read the full blog.
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Top 10 Tips to Skyrocket Your Business Profit in 2024

Improving business profit requires a combination of strategic planning, operational efficiency, and a customer-centric approach. Remember, it's not just about increasing revenue but also about optimising your resources and maximising the value you provide to your customers.

Click here to read the full blog.
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Bridging Finance - Is it worth doing?

Bridging finance is used when buying a new home before selling the existing one, with a lender placing a mortgage on both properties. While it allows securing the desired home, risks include higher interest rates, potential cash flow strain, and the need to refinance if the current lender doesn't offer bridging loans.

Click here to read the full blog.
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Financing Machinery For Your Business

Not all debt is bad – when it helps grow your business, is tax effective and keeps cash in the bank, it can be pretty helpful.

Click here to read the full blog.
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RBA Raises Cash Rate to 4.35%

The move, aimed at controlling inflation, is the 13th rate rise since May 2022. Governor Michele Bullock stated that although inflation in Australia has peaked, it remains too high and persistent.

Click here to read the full blog.
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ATO Announcement for Small Business Owners

At North Coast Lending we get that sometimes circumstances can lead to a business having trouble meeting its tax commitments. We also have lenders that understand this, and are willing to help with loans (secured or unsecured) to tidy up your ATO debt, create manageable repayments, save your credit score and potentially ensure access to future borrowing at preferred rates.

Click here to read the full blog.
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Grafton Mortgage Broker

We've been helping clients with their home loans in the Clarence Valley for years, get in touch today to see how we can help you.

Click here to read the full blog.

Considering a SMSF loan? We bust some Myths!

It's essential for anyone considering an SMSF to seek professional advice, thoroughly understand the rules and regulations, and have a clear investment strategy that aligns with their retirement goals.

Click here to read the full blog.
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How to Effectively Negotiate with a Real Estate Agent

As spring blooms and both buyers and sellers gear up for action, it becomes imperative for prospective buyers to equip themselves with the skills needed to negotiate effectively with real estate agents.

Click here to read the full blog.
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Important numbers to contact for a bushfire in Australia

Save these numbers in your phone and share them with your family and neighbours to get bushfire ready, some of these numbers are specific to NSW.

Click here to read the full blog.
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10 Essential Tips for Bushfire Season

As residents of the stunning North Coast of New South Wales, we're no strangers to the beauty and serenity that nature offers. However, we also face the reality of bushfires, which can pose a significant threat to our homes and communities.

Click here to read the full blog.
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Matildas fever has hit North Coast Lending

While we may not be great at kicking soccer balls, we're certainly knocking financial goals out of the park. North Coast Lending is a team of experts dedicated to helping you score big in the world of loans and lending. Whether you're dreaming of owning a home, starting a business, or consolidating debt, we've got your back.

Click here to read the full blog.
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Why Apply for a Mortgage through North Coast Lending instead of a Bank?

Are you searching for the best mortgage solution with competitive rates and personalised service? Look no further than North Coast Lending. With expert guidance and a commitment to finding the best rates, we take pride in helping our customers achieve their dreams of homeownership.

Click here to read the full blog.
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How North Coast Lending Can Help You Finance Your Next Investment Property

Investing in real estate is a powerful strategy for building wealth and securing a brighter financial future. As the desire to diversify property portfolios grows, individuals seek expert guidance and flexible financing options to facilitate their investment journey.

Click here to read the full blog.
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Rod's Top Coffee Picks on the Coffs Coast

Whether you're a local or a visitor, these spots offer a taste of the Coffs Coast's vibrant coffee culture. Take a moment to indulge in Rod's top coffee picks and let us know what you think.

Click here to read the full blog.
View from the sky looking down on houses & yards in an Australian city. - Mortgage Brokers - North Coast Lending

RBA to Update Cash Rate Process - Less meetings a year

RBA has agreed to implement the 10 recommendations and provides a summary of each decision. These include changes to the frequency and format of board meetings, the release of statements and reports, and the oversight of research and climate change analysis. The Treasury is expected to make a decision on the reappointment of RBA Governor Philip Lowe, whose term ends in September.

Click here to read the full blog.
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Why Macksville, could be the Perfect Place to Call Home

If you're seeking a peaceful lifestyle surrounded by natural beauty and convenient amenities, Macksville, on the North Coast of NSW could be the perfect place to buy a property.

Click here to read the full blog.
Looking out from the Headland and Nambucca Heads over Shelly beach and to the river meeting the sea. - North Coast Lending

Nambucca - Regional NSW Property Spot

Whether you're seeking a permanent residence or an investment opportunity, Nambucca has something to offer everyone. Explore the real estate market in Nambucca today and discover the endless possibilities that await you in this coastal paradise.

Click here to read the full blog.
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Top Reasons to Use a Mortgage Broker (that's us!) for Your Home Financing Needs

From their extensive market knowledge and personalised guidance to access to multiple lenders and negotiation skills, mortgage brokers offer invaluable assistance throughout the entire process. If you're looking for finance for your dream home, consider partnering with a mortgage broker (like North Coast Lending) to ensure a smooth, hassle-free experience and secure the best possible loan terms.

Click here to read the full blog.
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The Importance of a Building Inspection: Protect Your Investment

Investing in a professional building inspection is a small price to pay for the peace of mind and financial protection it offers. By uncovering hidden defects, ensuring safety and compliance, aiding in budgeting and financial planning, and providing negotiation power, a building inspection empowers you to make an informed decision about your property purchase.

Click here to read the full blog.
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The Hidden Property Gem of Regional NSW: Grafton

Whether you're looking for a long-term investment, a rental property, or a place to call home, Grafton offers a promising blend of potential returns, lifestyle benefits, and community engagement. Don't overlook this hidden gem; consider investing in property in Grafton and unlock the opportunities that regional NSW has to offer.

Click here to read the full blog.
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Yamba: An Idyllic Spot to Buy a House

If you're looking to buy a house on the North Coast NSW, Yamba, with its pristine beaches, thrilling outdoor activities, and vibrant community, is a great spot to settling down.

Click here to read the full blog.
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Tips for Buying your own Commercial Premises

Thinking of getting your own slice of commercial property? Look no further! At North Coast Lending, we've got the tips to make it a reality.

Click here to read the full blog.
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Australian Government has expanded the eligibility for the Home Guarantee Scheme

Some key changes are that permanent residents are now eligible to apply for the First Home Guarantee, the Regional First Home Buyer Guarantee & the Family Home Guarantee.

Click here to read the full blog.
Picture from the walkway rock wall in Port Macquarie looking out over the beach to a hotel in the distance

Port Macquarie: Where Coastal Beauty Meets Leisurely Living

When considering purchasing property in Port Macquarie, you are presented with an enticing opportunity to embrace a coastal lifestyle like no other.

Click here to read the full blog.
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Helping Mel and Julia Realize Their Dream: Acquiring Beachbodies Gym in Coffs Harbour

With our years of experience and deep understanding of the local market, North Coast Lending has established a strong reputation for helping aspiring entrepreneurs achieve their goals. The team at North Coast Lending believes in going the extra mile to find the most willing and lowest cost solution for your business finance needs.

Click here to read the full blog.
Scout Falls in Glenreagh

5 reasons to buy your first home in Woolgoolga

North Coast Lending can provide invaluable assistance to first-time homebuyers in Woolgoolga, guiding them through the mortgage process, offering expert advice, and helping them secure the best financing options tailored to their specific needs and circumstances.

Click here to read the full blog.
Coffs Harbour at night with the yachts on the water in the marina

Looking to buy property on the Coffs Coast?

When it comes to finding the best place to buy in and around Coffs Harbour, consider factors such as proximity to amenities, lifestyle preferences, and long-term investment potential. With our local expertise and commitment to helping you find your dream home, North Coast Lending is here to support you every step of the way.

Click here to read the full blog.
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Welcome to our new broker Sonia Jones

In the lead up to 2022 we were very aware of the fact the we needed a new broker at North Coast Lending. The question was who to chase?

Click here to read the full blog.
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How to Make the Most of the Equity in Your Home

Low interest rates, strong buyer demand and low listings continue to fuel strong house price growth across Australia.

Click here to read the full blog.
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It’s time we talked about your credit card….

A $1,000 credit card reduces your borrowing power by between $6,500 and $7,000. So, a $10,000 credit card drops your borrowing power by between $65-70,000!

Click here to read the full blog.
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2022 First Home Deposit Scheme

The 2022 National First Home Deposit Scheme (NFHDS) parameters have now been set and lenders participating in the scheme are now starting to reserve places.

Click here to read the full blog.
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Annual Golf Day

On the 26th of November 2021 we hosted the inaugural 'Annual North Coast Lending Golf Day' at Sawtell Golf Club.

Click here to read the full blog.
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f you are considering upgrading your equipment, don’t waste time going from bank to bank. Talk to us about your needs, and your trading position, and we will work out the best lender for your specific situation.

Click here to read the full blog.
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NSW Stamp Duty Changes 2020: First Home Buyers Could Save Thousands

This week the NSW Government announced this week that the stamp duty threshold on new homes for first home buyers has increased from $650,000 to $800,000.

Click here to read the full blog.
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As a rule of thumb, you will want at least a 5% deposit, plus a little more for costs.This deposit will need to have been saved up or held for more than 3 months to be considered genuine.With less than 20% deposit, mortgage insurance will apply and this is another cost to consider.

Click here to read the full blog.
Birds eye view of a waves crashing onto a beach in Coffs Harbour


You may have heard, but the rental market along the Coffs and Clarence Coasts has been pretty crazy. Demand for rentals is through the roof, with one agent reporting over 180 applications for a single property.So, why is this happening? It’s a classic case of supply and demand.

Click here to read the full blog.
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You will have seen, or heard, that all of the places in the National First Home Deposit Scheme have been allocated. So what does this mean for you, if you wanted to get on board?

Click here to read the full blog.
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The property market is hot at the moment, and for the majority of cities around the country, we are in a seller’s market. After a period where house prices were stagnating and transactions were declining, the power has moved from buyers to sellers.

Click here to read the full blog.

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