From houses to jetskis to important surgeries, we can get the right loan for you.

Accredited with dozens of lenders in Australia, we can narrow down the most suitable loan for your needs from a wide variety of products.

From houses to jetskis to important surgeries, we can get the right loan for you.

Accredited with dozens of lenders in Australia, we can narrow down the most suitable loan for your needs from a wide variety of products.

Home Loans and Investment Property Loans

Whether you're a buying a home for the first time, refinancing, getting a new home or purchasing an investment property, we can get you the perfect loan.

* First Home Buyer Loans

* Refinances

* Increases for Loan Renovations

* Land Loans

* Investment Property Loans

* Unit and Apartment Loans

More Information on Home Loans

Home Loans and Investment Property Loans

Whether you're a buying a home for the first time, refinancing, getting a new home or purchasing an investment property, we can get you the perfect loan.

* First Home Buyer Loans * Refinances * Increases for Loan Renovations

* Land Loans

* Investment Property Loans

* Unit and Apartment Loans

Personal Loans

Got your eyes on a new car? Need funds to get you through your studies? Do you need important but costly surgery so you can be up and running again?

Sometimes you just don't have enough money to afford it - but you need it, now. That's why personal loans are important, they allow you to purchase something you need and pay it back over time. We can take a look at your financial situation and figure out what's right for you, so you can get what you need and get back to life, fast. 

What Do Our Clients Have To Say?

"Stepping through the mine field of a mortgage can be frustrating and time consuming. With Nick's help, we were able to navigate through the loan process with less stress and more information than other available alternatives. Nick's service assisted us with the right loan, and provided us with the correct advice from the very start. With the growing complexities and standards within the mortgage industry, we highly recommend Nick as a quality broker that listens and delivers."

- Russell R, Redlynch


"Nick Barr helped me source a mortgage when I was unsure that approaching 60 I could get a mortgage. Nick listens and is able to find the best options for his clients. Once he has secured a mortgage he still maintains excellent contact with his clients and helps them through the process. Top notch customer service and support. I would highly recommend Nick and his calm supportive approach to helping his clients. Thank you."

- Suzanne M, Yorkey's Knob

What are you waiting for? Book in for a free phone consultation now!

Book Now

Fancy winning a trip to Italy? Press on the button below to get your free entry into our competition! By booking in an appointment with us between now and the 30th of October 2019, you will receive an extra free entry into our competition. Additionally, if you go ahead and use us to get a loan, we will give you a bonus 3 entries into the competition. To enter into the competition now, press on the button below. Good luck!

Enter the Competition

About

Nick has been in the mortgage broking industry since 2001, when he became the first broker on the east coast of Australia to work with Perth-based finance group Mortgage Australia. In 2006, he moved to Cairns from Melbourne to set up a new North Queensland office. From here, he has continued to service many of his original Victorian clients from his new home in the tropics. During Nick’s time in North Queensland he has also purchased Better Finance Solutions – a local brokerage in Cairns. As of May 2019, Nick has lodged almost $400,000,000 worth of loans for clients from every state and territory in Australia, along with some select clients living overseas. Nick has access to over 40 lenders and thousands of individual loan products. This includes all of the major banks along with medium sized and micro lenders as well. So if you’re ready for that new home, renovation or refinance, or just want to review your existing home loan, give Nick a call today on 0418 311 019, or email him at nickbarr@mortgageaustralia.com.au to get one step closer to your property goals.

What are you waiting for? Book in for a free phone consultation now!

Book In for a Free Consultation

If you're interested in getting a loan either now or in future, having a conversation with Nick is worthwhile. Book in for your free 10 minute consultation over the phone for:

  • * Information on different loan types and products and which ones will suit your needs specifically
  • * Knowledge of which lenders have the most competitive interest rates on the market
  • * What you can do to put yourself into a better position so you can borrow more money


And most importantly... HOW MUCH CAN YOU BORROW?


Phone consultations aren't recorded but basic information will be needed to work out your borrowing capacity. The more information you provide, the more accurate this will be. After booking in, you will be called at the time of your choice.

So, what are you waiting for? Click the button below to book now, or call directly on 0418 311 019. You can also email us here at nickbarr@mortgageaustralia.com.au

Book Now

Home Loans

With home loan interest rates dropping across the country, now is a better time than ever to get a home loan - your loan repayments could be cheaper than renting!

Home Loans

With home loan interest rates dropping across the country, now is a better time than ever to get a home loan - your loan repayments could be cheaper than renting!

The Right Home Loan Just for You

We can get home loan products catering to people in all sorts of different circumstances. Whether it's your first time getting a home loan, you're an experienced buyer, an investor looking to expand their property portfolio or a renovator, we can sort through hundreds of loan products and narrow down the most suitable for your financial situation. Want to stick to your favourite bank? No worries, we're accredited with different lenders all across Australia.

First Time Buying a Home? You're in Good Hands! 

Buying a home for the first time can be confusing and daunting for most, especially when you're going to need a loan to purchase your first property. That's where we come in - we look at the property you're buying and your financial situation before presenting a hand-selected list of products which cater to all of your needs.

Don't have a deposit? You're not out yet - if you're in good standing with a close family member who's already got a property, you may be eligible for a family guarantee loan. If you want to learn more, book in for a 10 minute chat with us or call 0418 311 019 now for more information.

Note: A good deposit is usually 20% or more against the value of the property. This means if you're buying a house for $200,000 you'll want to have a $40,000 deposit and get a loan of $160,000. If your deposit is less than 20% then you will need to pay for mortgage insurance.

Not Your First Time Buying?

Home Loans for Experienced Buyers

Have you bought a home before but never used a mortgage broker when getting your home loan? Mortgage brokers work for customers to find them the most suitable loan that best fits their financial situation and their needs. Our team's goal is to ensure our customers get the right loan for them which allows them to pay off their home loan as soon as possible at the cheapest price. We regularly send alerts out to our clients to let them know to check their rates, and if there are better rates available we refinance their loans to the new rates.

While there are many good reasons why more than half of all Australians now use a broker to secure a home loan, the most important one is that we work for you, not the banks. We speak to you first so we know what you need, and then we use our knowledge of the market to better negotiate with the lenders. We then narrow down a selection of options before working out the right one for you, not what's right for the lenders. 

To make things even easier for you, we handle the paperwork, manage the application process and then take it through to settlement. Because this is what we specialise in, we get the process moving quickly, using our relationships with lenders to secure your finance as fast as possible. We're here to look out for your interests, while lenders are there to look after their own. We don't need to tell you who'll do a better job for you.

Refinance or Renovate

Refinancing

Chances are, if you're refinancing your current home loan you're probably not satisfied with the deal your lender is currently giving you. With interest rates being at an all-time low, many banks are giving owner-occupied home loan rates less than 4%. If you need lower loan repayments, offset accounts, redraw facilities or other features, speak with us and we'll find the product that's right for you.

Renovating

If you're renovating and in need of a loan increase or a new loan entirely, there's products out there designed specifically for you. Need to upgrade your kitchen? Create more space in your bathroom? Add a back patio? Don't wait, refurbish your house and turn it into your dream home now with a renovation loan.

Refinance or Renovate

Refinancing

Chances are, if you're refinancing your current home loan you're probably not satisfied with the deal your lender is currently giving you. With interest rates being at an all-time low, many banks are giving owner-occupied home loan rates less than 4%. If you need lower loan repayments, offset accounts, redraw facilities or other features, speak with us and we'll find the product that's right for you.

Renovating

If you're renovating and in need of a loan increase or a new loan entirely, there's products out there designed specifically for you. Need to upgrade your kitchen? Create more space in your bathroom? Add a back patio? Don't wait, refurbish your house and turn it into your dream home now with a renovation loan.

Join Our Mortgage Advice Facebook Group

If you're thinking about getting a home loan but want advice first, you can join our Mortgage Advice Forum on Facebook for updated news and advice on mortgages. The best thing about the group is that it's free to be a member, so you can join up and enjoy free information instead of being charged money for it. You can feel free to ask any questions or privately message them to an admin for a fast response. To join up, just click on the link below.

Join Our Facebook Group

What are you waiting for? Book in for a free phone consultation now!

Book Now

Get the One Thing that You Need NOW

Whether you need a car, an important surgery, wedding finance or anything else you can really think of, we've got you covered with personal loans.

Get the One Thing that You Need NOW

Whether you need a car, an important surgery, wedding finance or anything else you can really think of, we've got you covered with personal loans.

Personal Loans

Do you need money, and fast? Here at cairnsloans.com.au, we provide home loans for all sorts of different reasons. These include:

* Dental Finance

* Cosmetic Surgery Finance

* Medical Finance

* Vehicle Loans (including cars, utes, trucks, vans, busses, jetskis, motorcycles, scooters and boats)

* Holiday Loans (honeymoons and cruises)

* Home Improvement (minor renovations, furniture, appliances)

* Wedding Finance

* Funeral Finance

* Veterinary Loans

How Much Can You Borrow?

For any of the personal loans listed above, we can get you loans ranging from anywhere between $5000 and $40,000. Personal loan rates as low as 8.95% with comparison rates of 10.56% are available. Personal loans generally need to be paid off between 18 and 84 months.

Disclaimer: Comparison rate is based on a $30,000 personal loan over a 5 year term. The comparison rate is true only for examples provided and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. When you book in with us, the broker will confirm your rate prior to application.

How Fast Do You Receive the Money?

Loans can be funded in as short a time as 24 hours. Each application varies but typically they can be funded within a few days of lodgement. After you have received your loan, your loan repayments need to be made either weekly or fortnightly.

Vehicle Loans

Australia is a large place and there are plenty of places to explore and travel to, but without a car, much of it is inaccessible when relying on public transport or car ride apps. With many car dealers offering uncompetitive financing terms, now is a better time than ever to see a broker and let them find the best deal that suits you - putting you first and not the lender. When you're with us, we'll get you the car you need in only a matter of days after making an application, so you can go where you want when you want, at a price you can afford.

It doesn't just stop there though. On top of car loans, we can also help you get finance for busses, trucks, boats, yachts, jetskis and motorcycles. If this is what you're after, book in for a free 10 minute consultation today and we can work out what loan is best for you.

Medical and Cosmetic Surgery Expenses

Medical expenses can be very costly, with the newest and safest procedures often costing thousands of dollars. Often medical conditions can prevent people from being able to travel, or may impair their abilities and stop their body from functioning the way it should. Getting a medical loan can be a life changer, with surgeries being able to turn people's lives around and get them back on track. Whether it's laser eye treatment, dental finance or life changing surgery, we'll help get the right loan for you.

Cosmetic surgery has become increasingly popular in recent years, with plenty of people getting loans for it in order to improve their appearance or their self-confidence. When it comes to cosmetic surgery, we keep your privacy in mind when applying for loans, letting lenders know that the money will be used to cover medical expenses while withholding the name of the specific procedure you will be undergoing.




Don't Put Your Dreams On Hold 









Reviews

See what other people are saying about our services with recent reviews.

"Stepping through the mine field of a mortgage can be frustrating and time consuming. With Nick's help, we were able to navigate through the loan process with less stress and more information than other available alternatives. Nick's service assisted us with the right loan, and provided us with the correct advice from the very start. With the growing complexities and standards within the mortgage industry, we highly recommend Nick as a quality broker that listens and delivers."

- Russell R, Redlynch QLD


"Nick Barr helped me source a mortgage when I was unsure that approaching 60 I could get a mortgage. Nick listens and is able to find the best options for his clients. Once he has secured a mortgage he still maintains excellent contact with his clients and helps them through the process. Top notch customer service and support. I would highly recommend Nick and his calm supportive approach to helping his clients. Thank you."

- Suzanne M, Whitfield QLD


Nick was absolutely fantastic throughout the entire process. He was incredibly helpful, he kept us up to date throughout, answered e-mails in a very timely matter and responded thoughtfully to any concerns we had. We are more than happy with Nick's service and would definitely recommend him if you are in need of an excellent mortgage broker.

- Daniel C, Middlebrook QLD

What are you waiting for? Book in for a free phone consultation now!

Promotions and Competitions

Fancy winning a trip to Italy, with 4 nights each in Venice, Florence and Rome? Now is your chance! You can click on the button below to enter now, and if you take the time to fill in the survey, you can get a bonus entry!

How to Get Bonus Entries in the Competition:

If you want more entries into the competition, there are two ways you can do this. We'll list them below:

* One bonus entry is given to each entrant who has an appointment or phone consultation after booking in through this website

* Three bonus entries are given to each entrant who receives a loan through our services

Business Loans

Getting a business loan can make a huge difference to your income. Whether you're after quick funds to take advantage of a stock deal or you need to invest in new equipment and machinery to get ahead in the industry, a business loan could be just what you need!

Business Loans

Your business is important - as your main source of income, it's vital that you maintain it and allow it to grow. Sometimes the industry shifts and new technology emerges, and you can't afford to be left behind, because chances are your customers will move on if you do. Whether you need money so you can take advantage of a great stock deal or you need to buy that new piece of equipment on the market that could double your work efficiency, we're here to help you get the business loan you need - in as quick as 24 hours.

How it Works

What Do I Need to Provide?

If you're applying for $150,000 or less, all you need to provide is your driver licence number, your ABN and your BSB and account number. If you're applying for anything from $150,001 to $300,000 you'll also need to provide some basic financial statements, including a profit and loss statement and cash flow statement.

How Quickly Can I Get Funded?

If you apply before 4pm AEST on a business day, it is possible to have the money in your account the next business day. Providing clear bank statements when applying for the loan will help speed up the approval decision and will allow you to get access to funding faster.

What Purposes Can I Use the Loan For?

You'll be able to use the loan for almost any business purpose! This can include renovating, marketing, purchasing new equipment or assets, and much more!

Here are some examples of what you could do with a business loan:

* Renovate the interior of a cafe or restaurant, upgrade a kitchen with better ovens, stoves, cold rooms and purchase more tables and chairs for customers.

* Repair damaged equipment and tools or replace items destroyed by natural disasters.

* Take advantage of stock deals and specials so you have more product to sell.

* Invest in brand new technology, whether it's the latest dental chair, X-Ray machine or a Hammacher Juicer.

What Will My Interest Rate Be?

Your interest rate will be calculated depending on the health of your business by checking the industry, the years you've had in business and cash flow. Interest rates range from 9.9% to 26.5%. Your loan repayments can be daily, weekly, fortnightly or monthly.

Book In For A Business Loan Consultation

If you're ready to take your business to the next level, you can book in for a business loan consultation or call us directly on 0418 311 019. If we believe your business is eligible for a loan, we'll begin the loan application process. In order to get your interest rate, you'll need to progress through the application stage in order for your rate to be calculated. If the rate isn't right for you, you can pull out at that time. If you're happy with the interest rate, we'll submit your application and the funds could be in your business account in under 24 hours.

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