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.

May 2026

The RBA Just Raised Rates Again. Here's What to Do Next.

The RBA has lifted the cash rate to 4.35%, and lenders are expected to follow. Whether you're on a variable rate, fixed rate, or just not sure where you stand now is the time to take a closer look at your loan.

Click here to read the full blog.

May 2026

Your Business Equipment Doesn't Owe You Anything But It Could Be Working Harder

A lot of businesses on the Coffs Coast & beyond are running on equipment that's past its best. Ageing equipment breaks down. It costs more to maintain. It's less efficient. In some industries it creates safety and compliance issues that carry their own risk. Get in contact with the North Coast Lending team today.

Click here to read the full blog.

Apr 2026

Fence-Sitters vs. Players: Which Side of the Market Are You On?

Uncertainty is loud right now interest rates, global headlines, mixed signals everywhere. But experienced investors know that noise and opportunity often travel together.

Click here to read the full blog.

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.