Personalised Home Loans
with a Trusted Adviser
by Your Side
Calm, personalised guidance for families and business owners who want clear answers and the right financial path forward.
Our Services
Home Loans & First Home
Buyer Support
Calm, personalised guidance for families and business owners who want clear answers and the right financial path forward.
Refinance Loans &
Loan Restructuring
Helping clients reduce repayments, access equity and restructure their loans into better solutions.
Debt Consolidation &
Personal Loans
Supporting clients to simplify their finances by rolling debts into manageable solutions.
Business Loans
- Unsecured Personal Loans
- Secured Personal Loans
- Car Loans
- Asset Finance
- Assisting business owners and self-employed clients with tailored lending solutions.
About
Us
Novara Home Loans helps everyday Australians — including families, professionals, and small business owners — who feel overwhelmed or stuck navigating the home-loan process.
Many come to us after receiving conflicting advice, being declined by lenders, or feeling
unheard by banks.
Backed by the strength of Novara Finance group a nationally respected finance provider,
we provide honest, personalised home-loan guidance — taking the time to listen, explain
everything clearly, and structure the right solution for each client’s real situation.
The result is clarity, confidence, and financial progress, with clients feeling
supported and in control of their decisions.
Why Choose Us
Over 10 years experience
in the Home and Commercial finance and lending industry / Fast response times and
Highly personalised service
no one-size-fits-all solutions / Long- term support, not just a transaction
We genuinely listen before recommending anything
rusted by families, first home buyers and business owners logistics, so you don’t have to think about it.. No drama, Just deliver.
We explain finance in simple, real language
not banker talk / Emotionally intelligent — We care about the human side of finance
Strong problem solver for complex and non-standard scenarios
Flexible, approachable and always available for my clients
Relationship-first approach
not sales driven / Strong network of lenders and industry relationships
Supportive
honest and transparent advice
No pressure
no judgement, no rushed decisions
Our Partners
Frequently
Asked
Questions
How much can I borrow?
How much you can borrow depends on your income, expenses, existing debts, credit history, and the lender’s policies.
We assess your situation carefully and help you understand a realistic borrowing range — without overstretching your budget.
Do I need a deposit to buy a home?
Most lenders require a deposit of at least 5–20% of the property value.
In some cases, it may be possible to buy with a smaller deposit using government schemes or lender options, depending on eligibility.
We’ll guide you through what’s possible for your situation.
Can first home buyers get help?
Yes. First home buyers may be eligible for government grants, stamp duty concessions, or low-deposit schemes.
We help first home buyers understand:
- What support they may qualify for
- How the buying process works
- How to prepare financially
What is Lenders Mortgage Insurance (LMI)?
LMI is insurance that protects the lender (not the borrower) when the loan is more than 80% of the property value.
It can allow you to buy sooner with a smaller deposit, but it does add to the overall loan cost.
We’ll help you decide whether it’s right for you.
Do you help clients with low or average credit scores?
Yes. Every situation is different.
We work with a wide panel of lenders, including those that consider alternative or non-traditional circumstances.
If your credit isn’t perfect, we’ll explain your options honestly and help you plan next steps.
I’m self-employed — can I still get a home loan?
Yes. Self-employed applicants may still qualify for a home loan using:
- Full-doc options
- Alt-doc lending (depending on circumstances)
We’ll help you understand what documents are required and which lenders may be suitable.
How does Novara Home Loans get paid?
In most cases, we’re paid a commission by the lender you choose.
This does not usually add to your loan cost.
We’ll always explain how we’re paid and act in your best interests.
What our clients say
Review Us on
We will work with you to remove the stress and confusion of securing finance,
offering clear options and genuine support so you can move forward with confidence and the right loan solution for your future.
Let’s Talk!
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