NBS Home Loans | Finance

NBS Home Loans

Phone: +61 434 103 326

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25.01.2022 With the uncertainty around COVID-19 and its economic impacts, many our of clients have reached out to us with concerns about their personal or business cash flow and questions about the lending landscape. Its important to remember that unsecured and secured lending options are still available for both business and personal clients. We would, however, suggest that all clients consider their current position as soon as possible and assess whether they have a sufficient cash f...low to get through the COVID-19 crisis with the minimal possible financial disruption. When assessing an application for finance, financiers will look at recent and current cash flow and wages. The unfortunate truth is that when cash flow has slowed down or dried up, or savings have been depleted, it is less likely that the bank will consider a cash flow injection. In the past we have seen too many individuals and businesses leave important financial decisions until too late which has significantly reduced their options or even left no suitable options available. As always, we also encourage you to get in touch early if you have any concerns about your current loans. We are familiarising ourselves with new hardship policies being developed by each lender in response to the COVID-19 crisis and we are here to support and assist you as best we can with your lender.

25.01.2022 ? Although deferred repayments do not appear on your credit report, most lenders request up to six months of home loan, personal or car loan, and credit card statements. If there is evidence of deferred payments it is unlikely the lender will approve your loan application. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

25.01.2022 NBS Home Loans works with McGrath Parramatta to help potential buyers take the hassle out of organising their property finance. Check out this video of another successful auction from last weekend, and see if you can spot our very own Principal Broker, Martin Walmsley!

24.01.2022 - ? As lender policies and property values are rapidly changing during COVID-19, a pre-approval is not always a reliable indicator that your loan application will be approved when you find a property. Very few lenders will offer fully validated pre-approvals, and many lenders have currently stopped offering pre-approvals and will assess the loan once a full application is made. Its important to talk to your finance broker early to discuss whether your loan is likely to be approved and determine the appropriate course of action. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

23.01.2022 Were looking forward to a great day at the St Ives Food and Wine Festival tomorrow!

23.01.2022 Another home sold by the wonderful Kim McChlery of McGrath Estate Agents Parramatta! Wed like to offer our congratulations to both the vendors and the brand new owners. If youre thinking of purchasing, NBS Home Loans is here to help you secure that new property sooner by taking the hassle out of organising your finance. We have over 20 years of experience in the finance industry and can compare a range of loans from over 40 lenders to find you a great rate with all the features you need. Well even come to you at your home or office - even after hours or on weekends - to save you running around. Give us a call on 1800 NBS LOAN or 0434 103 326 and lets chat!

22.01.2022 Your home may be the biggest item on your wish list, but a competitive home loan is not the only kind of finance we can help you with. You can ask us to help you find the right loan product for a whole range of lifestyle improvements, from a new car to that boat your family has always wanted. Whatevers on your wish list, its a good idea to talk with someone who cares about your situation and will take the time to make sure youre getting the right loan for you. Were here t...o help you find a cost-effective loan product thats exactly the right fit. Well take the time to understand your financial situation, needs and goals then help you choose a loan from one of Australias most competitive lenders. If youre looking for a loan to buy a car, or something else to improve your lifestyle such as a boat or motorcycle, just give us a call on 1800 NBS LOAN.

20.01.2022 ? ? If you are receiving JobKeeper payments, lenders will generally ask for additional evidence to get a better understanding of your financial situation and job security. Depending on the lender and your personal circumstances, in addition to normal requirements you may be asked to provide a letter from your employer showing a return to work date, pay slips dated prior to the commencement of your Jo...bKeeper payments showing your pre-COVID income, a breakdown on the hours you are actually working, or additional financials or tax returns for previous years in the case of self-employed applications. Your finance broker will talk you through the requirements for your loan application. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

17.01.2022 Under the Governments newly announced stimulus package, the instant asset write-off threshold has increased from $30,000 to $150,000 until 30 June 2020. This means you may be able to claim an immediate deduction when you purchase new or second-hand assets for your business, such as: - motor vehicles - tools and equipment - office furniture... - computers, laptops and tablets If you need to arrange fast finance, now is the time to call us on 1800 NBS LOAN or 0434 103 326.

16.01.2022 Resolved to save money in 2020? Reviewing your home loan can be a great place to start! Over an standard 30-year loan term, even small differences in interest rates can add up to big savings. For example, on a $500,000 loan, just a 0.5% pa reduction in your rate can save you almost $50,000 in interest over the life of the loan. Call us on 0434 103 326 or 1800 NBS LOAN to compare your options.

15.01.2022 ? COVID-19 has had a significant impact on most lenders due to increased workloads and a change in workforce arrangements. Depending on the lender and the complexity of the loan, approvals can take anywhere from around one week all the way up to two months. Priority is generally given to new purchases with refinances tending to take longer to be approved. Due to increased wait times, make sure to speak to your broker before signing anything to ensure you have sufficient time to arrange property finance. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

15.01.2022 - ? Many lenders will decline a loan application where the applicant has withdrawn super under COVID-19 provisions, and none will currently accept these funds as available to assist with the purchase. Speak to your finance broker for more information. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

15.01.2022 Thanks to everyone who entered our gift card draw at the St Ives Food and Wine Festival, and congratulations to our lucky winner: Kristina from Narrabeen. If you didnt win this time, never fear! We can help you save money by comparing loans from a wide range of lenders to find the right product for your needs. Call us on 1800 NBS LOAN and lets chat!

15.01.2022 Happy New Year from the team at NBS Home Loans!

14.01.2022 -? Lenders are currently asking for additional information to determine whether COVID-19 has had, or is likely to have, any impact on your financial situation. They may ask for additional evidence of your income over a longer period than usual, particularly if you are self-employed. If you are refinancing an existing loan, lenders will also want to see evidence that you have been able to maintain payments on your loan. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

11.01.2022 Need fast funds to support cash flow in the lead up to Christmas? You can now apply for business loans directly from our website, with funding possible within 24 hours to approved applicants. Click below to learn more.

10.01.2022 Only 1 week left until the Sydney Home Show! Grab your tickets online now, and be sure to visit our stand for your chance to win a $1000 Bunnings gift card. The Sydney Home show is being held at the ICC Darling Harbour. It runs from Friday 18 October until Sunday 20th October and is open from 10am until 6pm daily. See you there!

10.01.2022 Just a reminder that by 28 February most small businesses need to lodge and pay BAS and super guarantee contributions. With the ATO taking a hard line on missed deadlines, its more important than ever for small businesses to plan how they will make their repayments on time to avoid potential consequences such as ATO penalties or a bad credit rating. We offer small business loans and a line of credit facility that could help you stay on top of your ATO obligations when you d...ont have the cash on hand to cover requirements. Heres how we can help: Funding solutions up to $300,000 to match your business needs Easy application process with funding possible in 24 hours No asset security required upfront to access up to $100,000 Learn more by clicking below!

09.01.2022 Today is R U OK? Day, a national day of action where all Australians are reminded to ask others 'Are you OK?' and to seek help if you or someone you know is struggling with life's ups and downs. If you are suffering from financial stress, a list of useful resources can be found at www.nbshomeloans.com.au/financial-resources-hardship-conta/ For more information about R U OK? day, visit www.ruok.org.au/join-r-u-ok-day

08.01.2022 - ? In many cases, the answer will depend on how badly your industry has been affected by COVID-19. Unfortunately, some lenders are currently reluctant or unwilling to lend to employees of certain industries during this period, however in many cases we are still able to match clients with an appropriate lender for their circumstances. Its important to speak with your finance broker early to check what options are available. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

07.01.2022 Here at NBS Home Loans, we are committed to meeting our clients needs by providing phone and online meeting options. Whether you are a new or existing client, were here to assist you on 1800 NBS LOAN or 0434 103 326.

07.01.2022 If you are thinking of buying property, you might be wondering: When is the right time to talk to a mortgage broker? Generally, the earlier you can speak to a broker, the better - ideally before you start your property search! We can help you plan out the journey towards buying your home or investment property, calculate how much you may be able to borrow and how much of a deposit youll need, and help determine if you are eligible for any assistance with your deposit or other costs associated with buying a home. Were here to help you wherever you are in the process, and its free (and obligation-free!) to chat with us about your circumstances so we can help point you in the right direction.

07.01.2022 So adorable! This little girl showed us all up at the NBS Home Loan stand at the Sydney Home Show. Our VR game was a huge hit with the kids (and the grown-ups too!)

07.01.2022 Is your business growing? With a large range of commercial finance solutions available from a variety of lenders, we can help you find the right deal for your business expansion plans. Whether you are looking for a substantial loan for a complete refit or a smaller loan for a minor upgrade, were here to do all the leg work to find you the right finance option. Call us today on 1800 NBS LOAN or 0434 103 336 and lets talk business.

05.01.2022 NBS Home Loans is proud to announce the launch of our Ask a Finance Broker Facebook group! Whether you are considering entering the market, expanding your property portfolio, or would simply like to keep your finger on the pulse, this group is for you! In addition to Finance Brokers, the group is also home to numerous qualified experts including a Solicitor, Financial Planner and Accountant who will respond to your questions quickly and obligation-free.

04.01.2022 Time to find a place of your own? Additional places for the First Home Loan Deposit Scheme are becoming available on 1st February, which means more chances to secure your first home with as little as a 5% deposit. Youll need to act fast though, so now is the time to call us on 0434 103 326 to chat about your options.

04.01.2022 We had a fantastic time today at the St Ives Food and Wine Festival. What a great community turn out! Thanks to everyone who visited our stand and said hello, we loved meeting you all! Well be drawing the winner of our gift card giveaway next week, so stay tuned.

03.01.2022 NBS Home Loans is proud to be a Gold Sponsor of this years St Ives Food and Wine Festival. Join us for a day of fun, food and festivities, all while supporting the incredible work Rotary does both locally and internationally. Be sure to come and say hi to us on the day!

03.01.2022 Happy Easter from Marty and the team at NBS Home Loans! While this Easter will undoubtedly look very different for most of us, wed like to remind everyone that we are always here to assist you.

03.01.2022 -? During COVID-19, lender policies are rapidly changing. A no from one lender may be a yes from one who is a better fit for your circumstances. We have a thorough understanding of lender policies and can help match you to an appropriate lender for your situation, saving you time and hassle. For more information about borrowing during COVID-19, visit https://www.nbshomeloans.com.au/borrowing-money-in-austral/ or call Marty and the team at NBS Home Loans on 0434 103 326.

02.01.2022 Our new website is up and running! Head to www.nbshomeloans.com.au and check it out now!

02.01.2022 When it comes to home loans, its common to feel overwhelmed by all the jargon and acronyms. From LMI to LVR to P&I, it can sometimes feel like banks are speaking an entirely different language. At NBS Home Loans, we cut through the bull and help to demystify bank speak. Learn more here:

02.01.2022 Thanks to everyone who entered our Bunnings Gift Card Giveaway at the Home Show last weekend, and a huge congratulations to our lucky winner, Mario M! Your gift card is on the way!

02.01.2022 Were loving the DIY Business Loans feature on our new website! Enjoy fast, easy online application on small business loans of $5K to $300K, with funding possible in 24 hours to approved applicants. Simply submit your details and well call you back right away to answer any questions you have and complete the application process with you.

01.01.2022 Missed out on the first round of First Home Loan Deposit Scheme places? A further 10,000 places are due to be released from 1 July 2020, meaning eligible first home buyers can once again enter the property market with as little as a 5% deposit. Please get in touch with us as soon as possible if you have any questions or are interested to know whether you may be eligible.

01.01.2022 Be sure to visit us at the Sydney Home Show for your chance to win a $1000 Bunnings gift card. Well be here from 10am until 6pm today, Saturday and Sunday!

01.01.2022 ATTENTION FIRST HOME BUYERS! Have you heard about the First Home Loan Deposit Scheme scheduled to commence on 1 Jan 2020? Wondering what its all about? Read on for some useful information... Normally, borrowers need to save a 20% deposit to avoid paying Lenders Mortgage Insurance. (Lenders Mortgage Insurance, or LMI, is a type of insurance that protects the lender - not the borrower - against the risk of not being able to recover their loan.) Under the First Home Loan Depos...it Scheme, you may be able to avoid paying LMI if you have saved a deposit of just 5%, potentially saving you tens of thousands of dollars in LMI costs. While we are still waiting for further details to be announced, here is what we know at this stage: The scheme will only be open to the first 10,000 eligible participants across Australia. Participants will be required to meet eligibility criteria, including: - You must be a first home buyer. - You must be earning under $125,000 per year for single borrowers, or $200,000 combined for couples. - The mortgage will need to be an owner-occupier loan (i.e. not an investment property) with principal & interest repayments. - There are caps on the maximum value of the property you can purchase under this scheme. Early indications are that in Sydney, the property must be valued at or under $700,000, with different caps applying to other capital cities and regional areas. Its also important to note that youll still need to meet normal lending criteria to ensure you are eligible for the loan and can meet the repayments. There has not yet been confirmation of which banks and lenders will participate in the scheme, but we expect this information should be announced soon. At NBS Home Loans we have over 40 lenders on our panel, so we can compare a huge range of loans to find one that suits your needs without you having to do any of the running around. In addition to this new scheme, its worth keeping in mind that there are currently a number of other incentives available to first home buyers. In NSW, these include stamp duty concessions or exemptions and grants to assist with new builds. If you are hoping to take advantage of the First Home Loan Deposit Scheme, now is the time to call us on 1800 NBS LOAN or 0434 103 326!

01.01.2022 Have just been nominated as a finalist in the MFAA 2019 New comer award for NSW, Feeling very proud #MFAAawards #MFAA #mortgagebroker