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NEST EGG LOANSGet the home you want, with what you have.
Let's be honestHome ownership in Australia is at an all time low because of challenges young households face when trying to save for a deposit.
Spread your wings,stop paying dead rent money.Fast forward your dreams of homeownership with NEL. Unlike other lenders, we have in-house property egg heads that use our unique tech to rapidly assess the growth trajectory to ensure to have the best chance of growing your nest egg, all while you own and live in the home you always wanted.Eggs-plore More →
Our purpose is to ensure the Australian dream doesn't fade away.Unlocking home ownershipfor more Australians.NEL provides property finance for borrowers without a deposit by co-funding your deposit via a Top-up Loan at the same time as your Home Loan. This avoids costly Lenders Mortgage Insurance (LMI) and gives you greater flexibility to pay down the Top-up Loan however and whenever you like.
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Stop worrying about saving and start getting egg-cited about owning a new home.Up to 100% Home Loanwith No LMI and 0% Deposit. NEL provides two loans with 80/20 splitproviding you complete flexibility to buy owner-occupied or investment properties.
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Up to 20% Top-up Loan.Enjoy Top-up facility for 5 years interest only, above the 80% of the purchase price of the property to assist the purchase of the property you can afford today. Pay a portion of interest monthly and the balance is deferred and paid at the end of the initial (up to 5 year term) along with the outstanding balance of the Top-up Loan. If our tech-driven data platform successfully identifies that the value of the property you are buying is likely to increase in the next 5 years and you are able to service the entire loan (Home Loan + Top-up) meeting our serviceability criteria and lending conditions, your Top-up Loan is approved.
Build equity as we help you pay sooner
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Confidently buy yourdream nest with NEL.Get extensive assistance in:✓ credit evaluation✓ borrowing capacity✓ property selection ✓ negotiation and ✓settlement.Our AI-driven technology gives you information and insight of the property marketincluding the probability of its value going up letting you buy with absolute confidence.If NEL has backed you, you are buying a property that has more potential of capital appreciation sooner than later.