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  • Mawson Lakes, Adelaide-5095 (SA)
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Home Owner

Home Owner Loans

Explore Your Home Loan Options with
Nifty Lending Services

Is your fixed rate about to expire? We assist you in reviewing your current mortgage to identify opportunities that aim to reduce repayments and help you explore competitive loan options from our panel of lenders.

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Home Owner Loan Options

Home Owner Loan Options

Home Equity Loans

  • Unlock property value
  • Fund renovations
  • Lower interest rates

Home Equity Loans

A Home Equity Loan allows you to access the usable equity in your existing property without selling it. Equity is the difference between your property’s market value and the outstanding loan balance.

This type of loan is commonly used by home owners looking to renovate, invest in another property, consolidate debts, or fund major lifestyle expenses at a lower interest rate compared to personal loans or credit cards.

Key Benefits

  • Lower interest rates compared to unsecured lending
  • Flexible use of funds
  • Potential tax advantages (subject to advice)
  • Improved long-term wealth strategy

Best Suited For

Home owners with sufficient equity who want to make strategic financial decisions without disrupting their existing mortgage structure.

Bridging Finance

  • Buy before you sell
  • Short-term funding solution
  • Smooth property transitions

Bridging Finance

Bridging Finance is a short-term loan solution designed to help home owners purchase a new property before selling their existing one. It removes the pressure of having to align settlement dates or rush a property sale.

This type of finance allows you to secure your next home with confidence while your current property remains on the market. Interest can often be capitalised during the bridging period, easing short-term cash flow.

Key Benefits

  • Purchase a new property before selling your current home
  • Avoid rushed or discounted sales
  • Flexible short-term funding
  • Interest capitalisation options available

Best Suited For

Home owners upgrading, downsizing, or relocating who need temporary funding flexibility during a property transition.

Debt Consolidation

  • Combine multiple debts
  • Reduce financial stress
  • Simplify repayments

Debt Consolidation

Debt Consolidation allows home owners to combine multiple high-interest debts—such as credit cards, personal loans, and car loans—into a single, more manageable home loan.

By using the equity in your property, you can reduce overall interest costs and streamline repayments into one structured solution, helping improve cash flow and long-term financial stability.

Key Benefits

  • Lower interest rates compared to unsecured debts
  • One simple repayment instead of multiple bills
  • Reduced financial pressure
  • Improved budgeting and cash flow

Best Suited For

Home owners managing multiple debts who want to regain control of their finances and create a clearer path toward long-term financial health.

Refinancing

  • Lower monthly repayments
  • Access better loan features
  • Improve cash flow

Refinancing

Refinancing involves replacing your existing home loan with a new one that better suits your current financial situation. This may help you reduce repayments, secure a better interest rate, or access improved loan features.

Many home owners refinance to adapt to changing life circumstances, release equity, or consolidate debts—while maintaining greater control over cash flow and loan structure.

Key Benefits

  • Potentially lower interest rates
  • Reduced monthly repayments
  • Access to equity if required
  • Improved loan flexibility and features

Best Suited For

Home owners who want to optimise their existing mortgage, reduce costs, or restructure their loan to better align with current and future goals.

Uses for home equity loans

The versatility of home equity loans makes them an attractive option for a wide range of financial needs. Some common uses include:

Funding a Deposit on an Investment Property

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When purchasing an investment property, many lenders typically require a 20% deposit. For eligible homeowners, leveraging equity in an existing property may be an alternative to saving a cash deposit, potentially allowing you to start your investment journey sooner. However, it is important to understand that using equity involves increasing your total debt and carries significant financial risks. Your ability to leverage equity is subject to a full credit assessment of your financial situation, requirements, and objectives.

Renovating Your Home

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Use your home equity to fund renovations that can improve comfort, lifestyle, and potentially increase your property’s value.

Consolidating Debt

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Combine multiple high-interest debts into one manageable repayment with a potentially lower interest rate.

Purchasing a Car

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Finance a vehicle purchase at a lower rate compared to traditional personal or car loans.

Home Equity Loans for Seniors

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Seniors can unlock equity to support retirement living, healthcare expenses, or lifestyle needs without selling their home.

Simple & Transparent Process

Our four-step process is designed to assist you in identifying suitable loan options from our panel of lenders while we manage the complexities of the application process on your behalf.

01

Assess your situation

We review your current mortgage and credit requirements to aim to identify potential options available from our panel of lenders

02

Compare options

We compare competitive rates available from our panel of lenders to identify options that aim to meet your specific requirements

03

Apply with confidence

Our specialist team manages the complex paperwork on your behalf, aiming to provide a streamlined experience as we assist you through the lender's application and approval process.

04

Settle and move forward

Explore options that aim to lower your repayments and improve your monthly cash flow. Start your professional home loan review today.

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