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.

Apr 2026

Farm Machinery Finance in 2025: Which Structure Saves You the Most Tax?

Farm machinery finance is about more than monthly repayments — the structure you choose affects your tax position, cash flow and balance sheet.

Click here to read the full blog.

Feb 2026

Home Guarantee Scheme Changes

As of January 2026, the expanded First Home Guarantee is live. Key changes include no income caps, unlimited places (no waitlist), and higher property price caps in many areas.

Click here to read the full blog.

Jan 2026

30th Jan - Weekly Wrap Up

A quick weekly wrap of what the team worked on, including finance for a block of units, debt consolidation with ATO clearance, home loans in progress, and a mix of bank and asset finance files across CBA, St.George, La Trobe and Group & General Finance.

Click here to read the full blog.

Jan 2026

Penrith isn’t Sydney’s “wild west” anymore and the market is proving it

Penrith has shaken off its old reputation and is emerging as a genuine Western Sydney growth hub. With infrastructure investment, new apartment supply and the momentum of the second Sydney airport, more buyers and investors are paying attention. Get in contact with Rod today.

Click here to read the full blog.

Jan 2026

23rd Jan - Weekly Wrap Up

A quick weekly team wrap covering three housing deals progressing with ING, Resimac and Regional Australia Bank, plus home loans moving with NICU (credit union) and St.George showing how lender fit changes by scenario.

Click here to read the full blog.

Jan 2026

16th Jan - Weekly Wrap Up

Lenders this week included Macquarie, Teachers Mutual, Commonwealth Bank and Regional Australia Bank.

Click here to read the full blog.