Home Loans
At New Level Lending, we're Mortgage Brokers based in Newcastle, helping clients across NSW get into their home sooner with a range of Home Loan options
Rated 5 from 26 Reviews
At New Level Lending, we're Mortgage Brokers based in Newcastle, helping clients across NSW get into their home sooner with a range of Home Loan options
Rated 5 from 26 Reviews
When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.
When looking at different Home Loan Options, it's important to understand some of the key loan attributes:
Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.
We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.
In 60 seconds, understand how much you can borrow to buy your dream home.
Get your Borrowing Capacity
We handle the entire process, ensuring you save time and money. Our main goal is to help you secure the most suitable finance solution with minimal disruption to your schedule.
Initial Consultation
We discuss your financial requirements to determine how we can assist you best.
Needs Assessment
We identify your current needs, goals, and key priorities. We'll also discuss your future plans to ensure our advice aligns with your overall vision.
Research
We conduct in-depth research to find the most suitable finance solution from our extensive panel of lending institutions, tailored to your specific requirements.
Recommendation
We compile our findings and create a detailed Lending Recommendation designed to meet your needs. We'll review this with you, allowing us to refine the proposed solution.
Implementation
We execute the agreed recommendation, managing every detail of the loan application process. We'll keep you fully informed of your application's progress right up to settlement.
Settlement
We coordinate with all relevant parties to ensure a smooth and seamless settlement process. You'll be confident that every aspect of your loan application is handled with care and precision, with continuous updates throughout.
Post-Settlement Care
We understand that securing finance is just one step toward financial freedom. Our After Care program keeps you informed about market changes that may affect your borrowing costs or future lending plans. You can rely on us for regular mortgage advice and guidance at every stage of your financial journey.
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Nick Wangmann
Jake was so incredibly easy to deal with throughout the process to refinance, he went above and beyond to do the ground work to help us find and get the best outcome possible. Even after starting the process a bit earlier then was possible he kept in contact and when we were able to finally pull the trigger on things got everything underway quickly. Thanks mate for helping us out 10/10 would recommend to anybody needing some help in this space ????
AB
Ashleigh Breust
Jake is the best broker I have ever come across. He genuinely cares about his clients and it has been a huge relief dealing with him for our home loan, as opposed to the banks directly. Jake has a tremendous amount of knowledge, and he has been a wonderful sounding board for us during the whole process. I have asked many silly questions, however, Jake always simplifies the answers in layman's terms. I would recommend Jake to anybody and everybody. His knowledge, expertise, care factor and authenticity sets him apart from the rest.
CH
Caieta Hogan
Absolutely can not recommend Jake enough. Nothing and I mean nothing was ever a problem!! Jake worked tirelessly to help me release the equity in my home to make another purchase. With the tightest of tight deadlines,Jake was a godsend. He did absolutely everything he said he would and kept the lines of communication open at all times both in hours and after hours. Would highly recommend Jake everytime
Yes we can and we've helped many clients in this scenario! Reviewing your home loan doesn't always mean switching to another lender. Sometimes it's a matter of us liaising with your bank and agreeing on a more competitive solution. We will; analyse your current loan structure, understanding what's available and liaising with your current lender.
As a homeowner, you know all about working hard. Now it's time to make your home work hard for you. We can help you leverage your existing equity by; maximising borrowing power and cash flow, preparing an application to the lender and ensuring your loans are structured well.
Yes! As moving into your first home is exciting, we guide you through the process and help you; access government grants including the First Home Owners Grant (FHOG), the home guarantee scheme, getting in with a lower deposit and avoiding lenders mortgage insurance.
Of course! If you've outgrown your home and are keen to move to something that better suits your lifestyle, we can help by; leveraging equity and repayment history, preparing the loan application (whether it's a home loan or construction loan) or structuring the loan to suit your needs.
As a mortgage broker, we have insight into the banks' closely-guarded lending policies, we can help you apply for an appropriate lender. We will; analyse your financials, understand your goals and help you determine the best match.
If your bank won't play nice, we can help facilitate the move to another lender. We do this by; assessing your situation and goals, scouring the market for suitable offers and preparing all the paperwork.
New Level Lending Pty Ltd ABN: 96 661 507 384. Credit Representative #543337 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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