Frequently Asked Home Loan Questions
What is the easiest home loan to get approved for in Australia?
There is no single home loan that is easiest for every borrower. Approval depends on your income, deposit, employment history, expenses, existing debts, credit history and the type of property you want to purchase.
Different lenders suit different circumstances. Some may be more flexible with first home buyers, self-employed applicants, investors, casual employees or borrowers with smaller deposits.
At Nexus Loans, we compare suitable lenders and their policies before recommending an option. This helps you apply with a lender that is more likely to suit your circumstances rather than submitting multiple applications and hoping for approval.
Speaking with an experienced Australian mortgage broker before applying can help you understand your borrowing capacity, prepare the right documents and strengthen your application.
Is Nexus Loans legitimate?
Yes. Nexus Loans is an Australian mortgage brokerage helping first home buyers, homeowners, investors and business owners understand and compare their lending options.
Led by Director Jessie Boyce, Nexus Loans provides personalised mortgage advice and support throughout the complete lending process, from the initial strategy meeting and document collection through to lender selection, approval, settlement and ongoing home loan reviews.
Our team assists with:
Home loans and pre-approvals
First home buyer loans
Home loan refinancing
Construction and house-and-land loans
Bridging finance
Investment property loans
Guarantor home loans
SMSF property lending
Commercial finance
Self-employed lending
Equity release and debt consolidation
Our focus is to provide clear explanations, tailored recommendations and long-term support so clients can make informed property and finance decisions with confidence.
Can I borrow 100% for an investment property in Australia?
Most lenders do not offer a standard investment property loan for the full purchase price without additional security.
However, some borrowers may be able to fund the purchase price and associated costs by using equity from another property. Certain lenders may also consider family guarantee arrangements for investment purchases, although availability and eligibility vary significantly.
Possible strategies may include:
Using equity from your existing home
Using another property as additional security
A limited family guarantee with an eligible lender
Combining savings with available equity
Specialist lending solutions
Borrowing the full purchase amount can increase your overall debt and financial risk. Your borrowing capacity, available equity, repayments, property value and long-term strategy should all be carefully assessed.
Nexus Loans can review your position and explain whether purchasing an investment property with little or no cash contribution may be possible.
What is Nexus Loans?
Nexus Loans is an award-winning Australian mortgage brokerage that helps clients find and structure finance for buying, building, refinancing and investing in property.
We work with first home buyers, families, property investors, self-employed borrowers and business owners across Australia. Rather than offering a one-size-fits-all loan, we take the time to understand each client’s financial position, property goals and future plans before comparing suitable lenders.
Nexus Loans specialises in:
First home buyer finance
Refinancing and Home Loan Health Checks
Construction loans
Bridging loans and buying before selling
Investment property finance
Guarantor loans
SMSF residential and commercial property lending
Commercial property finance
Self-employed home loans
Equity release
Debt consolidation
Rural, acreage and lifestyle property finance
Director Jessie Boyce brings experience in both mortgage broking and real estate, providing clients with practical guidance across the broader property journey—not just the home loan application.
At Nexus Loans, our goal is to make complex lending easier to understand and help Australians make confident property decisions.
