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.

Oct 2024

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.

Oct 2024

Key Steps to Finalising Your Construction Loan

Before your lender releases the final payment for your home or renovation, three steps are required. North Coast Lending works with your lender to ensure everything runs smoothly. Learn more about how we support you throughout your homeownership journey.

Click here to read the full blog.

Oct 2024

Building Variations: What You Need to Know

Building variations, such as changes to colours, flooring, or extra power points, can increase construction costs. North Coast Lending guides you through these changes, ensuring your loan covers potential variations and helps avoid financial surprises.

Click here to read the full blog.

Oct 2024

Is Emerald Beach a great place to buy a house?

Emerald Beach on the Coffs Coast is an underrated paradise offering a laid-back, surfside lifestyle with dog-friendly beaches, charming dining spots, kangaroos to welcome your visitors and local conveniences.

Click here to read the full blog.

Sep 2024

North Coast Lending was Proud to Sponsor Hercules the Sea Turtle’s Big Return to the Ocean!

North Coast Lending proudly sponsored Hercules the sea turtle’s return to the ocean at the Emerald Beach Fair on September 21, 2024. After rehabilitation at Coffs Coast Wildlife Sanctuary, Hercules was released back into his natural habitat.

Click here to read the full blog.

Aug 2024

Rod Cross: A Broker Who Knows His Stuff

When you’re in the market for a mortgage broker, you want someone who’s more than just qualified—you want someone who cares about the things that matter to you. Rod from North Coast Lending is that guy.

Click here to read the full blog.