employee smiling while sitting at desk helping a customer

Real people, servicing Grafton, finding the best lender for you.

Your boutique team of mortgage & finance brokers servicing Grafton and across Australia, we save you time & money to get the right loan for you.

Meet Our Team
award badge for Elite Broker 2022award graphic for Finance Broker of the Year

What they say about us.

star
star
star
star
star

Sonia's knowledge and expertise were remarkable, she ensured timely communication and kept us informed at all stages throughout the process, and overcame every obstacle that came our way.

Sam Langler
star
star
star
star
star

These guys know their stuff. We have been with Rod for years both commercial, personal and family. I could not recommend Rod and crew more highly.

Philip Atkinson
star
star
star
star
star

Brook has been a very successful bank manager and over the years always has been service oriented, he always put customers first and will go to extraordinary lengths to help a client. Brook has the ability to gain suitable finance for his clients because of his time in the industry and his work ethic.

David Stanmore
star
star
star
star
star

Efficient, experienced, knowledgeable, helpful, friendly, approachable, and go way beyond the call of duty.

Shari Raymond
star
star
star
star
star

Highly expert professionals who are fun to work with. Definitely 5/5 stars.

Peter Richardson
star
star
star
star
star

Fantastic service, great to deal with.

Headland Building Artisan Kitchen
star
star
star
star
star

Brook has arranged refinancing of loans on my behalf: patient, sensible and thorough. And saved me a packet. Couldn't recommend these guys more highly.

Kathryn Halliwell
star
star
star
star
star

Thank you Rod for your assistance with the purchase of my property. It was great having you there to offer your knowledge every step of the way. Such a professional and supportive local business. I would not hesitate to refer friends and family to you.

Tracey Parker
star
star
star
star
star

Thanks Rod and team. Always a pleasure to deal with & very helpful! Thank you!

Natalie F
star
star
star
star
star

I have used North Coast Lending for my own house re-finance, investment property and work vehicle finance. I highly recommend Rod, Brook and the team. It was a simple transaction for us each time. I have no hesitation in using their services again on our next venture.

Ben Nyhuis
star
star
star
star
star

Rod has helped us with buying a large acre property that no one else would look twice at, He has been fast efficient and knows exactly what he is talking about to get the job done! We loved Rods service so much that we now use him for all our personal and business needs.

Peter Wright
star
star
star
star
star

Great service from Brook, easy transition to a new mortgage provider.

Hamish Barr
star
star
star
star
star

We have used Rod and his team on multiple occasions for both business and personal finance, and could not speak more highly of their commitment to service and achieving quick, quality outcomes. Thank you for all your help.

Jamie Mundy
star
star
star
star
star

Sonia has made the whole process of refinancing so easy and everything was so well explained I had no concerns at any stage. She has taken all the stress out of dealing with banks out of our hands and made the process effortless

Keegan Wills
star
star
star
star
star

I’ve received amazing support throughout the entire selling and buying property process, they always made time to give me timely updates on everything and went above and beyond to make me feel comfortable with what was happening and made sure I understood completely about finances and how it all works.

Emily Gillies
star
star
star
star
star

Brook always goes above and beyond to get us what we need and to get us the best rate. We went to brook as first time home owners and he made the process so easy and answered every question we had with as much detail as possible. Could not have asked for a better experience

Tayla Soper
star
star
star
star
star

Sonia was wonderful, walked us through every step of the process. So quick, so easy. Sonia kept us up to date the entire time. Happy borrower!

Lyndal Graham
star
star
star
star
star

I have had the privilege once again of dealing with Rod and his team. What an absolute pleasure. Thanks Rod, as always you are brilliant at what you do.

Scott Dickson
star
star
star
star
star

We have been using North Coast Lending

Jason Dennis - JD Plumbing
star
star
star
star
star

We have worked in close association with North Coast Lending since opening our doors 6 years ago. The exceptional common sense approach, the ability to go “above and beyond” coupled with their accumulated knowledge and expertise in the finance industry ensures our client’s outcome is achieved seamlessly.

Therese Ryan - Cornerstone Conveyancing

Why choose us instead of a bank?

Save Time

We do the research and find the right deals for you.

Save Money

We also save you money. Our job is to minimise your costs, while banks look to maximise their profits.

Your Choice

We listen to what YOU need and provide you with the best lender and product to meet those needs.

Our Expertise

We collectively have over 130 years in the finance industry, and are connected to over 50+ different lenders.

Grafton Mortgage Broker, specialising in Home Loans & Business Finance, servicing Australia.

North Coast Lending is your experienced team of mortgage brokers and finance brokers. Our team services Australia wide, and we have the experience and great lending partners to ensure your borrowing needs are met.

We act for you without prejudice– we are not owned by a bank, we have no affiliation with any bank – we go with the best lender for you.

We are located on the Coffs Coast NSW and offer a complimentary home loan broking service as well as assisting with business loans, commercial property finance, equipment finance and more.

Contact Us
Black and white image of Rod Cross sitting at his desk at his office on the Mid North Coast NSWNorth Coast Lending tagline - We Know How
logo for Outsource Financiallogo for Australian Financial Complaints Authoritylogo for Finance Brokers Association of Australia

Need a Home Loan? Start here.

Are you a First Home buyer, looking to add to your property portfolio or would you like to refinance? Complete the form below for a list of home loan options to suit you.

Online Enquiry

We're here to help. Fill out the form below and we'll be in touch.

Thank you! We've received your form, we'll be in touch as soon as we can.
Oops! Something went wrong while submitting the form, please try again or email us via

Local Sponsorship & Community Support

A farmer on the back of his truck with hay bales possibly located in Coffs Harbour.

A core value of North Coast Lending is our commitment to giving back to our local community.

Whether it’s donations of dog food to our mates at ARCH, supporting local sporting groups, such as Coffs Harbour Baseball, Orara Valley Hockey, Sawtell Junior Rugby League and Coffs Harbour Netball, local schools or charities (big and small) we are immensely proud to be able to give back every month.

Do you know of any local groups needing financial support? Our team of brokers, located between Macksville, Nambucca, Dorrigo & Woolgoolga, love supporting their local communities.

Nominees for community support are open now. Let us know who you think we could back.

All the latest news, tips & insights.

Building Tips: Don’t Overlook These Common Exclusions

Building a new home? Avoid unexpected costs by knowing common building exclusions like driveways, landscaping, and insect screens. North Coast Lending helps you secure the right construction loan and plan for these extras.

Click to read more
What Tenants Want: How to Attract Quality Tenants

Attracting quality tenants in Coffs Harbour and surrounding areas requires meeting modern tenant demands. Learn how these features can increase your rental appeal, and how North Coast Lending can help you stay competitive.

Click to read more
Is Emerald Beach a great place to buy a house?
Sunrise over the beach at Emerald Beach with Kangaroos on the beach.

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 to read more
View All Blog Posts