A family-owned local team, making home loans feel easier
At Rhythm Finance Co we are local Coffs Coast Mortgage Brokers! Helping First Home Buyers, Investors & Refinancing Clients Across NSW and Australia. We’re a family-owned mortgage broker in Coffs Harbour, and we tailor personalised, transparent finance solutions to your unique needs. At our office, we keep things real and upbeat. We’re a friendly team of down-to-earth locals who are keen to help you navigate the sometimes choppy waters of getting a mortgage. Our experienced team of home loan experts are passionate about helping you achieve your financial goals. Whether you’re looking to buy a property, refinance, invest in property, or anything in between. We’ve got you covered.
We understand that buying a home can be a big step, but we’re here to make the journey as smooth and stress-free as possible. We’ll help you navigate every step of the home loan process, so that you can relax knowing we’re working hard for you. We know everyone’s financial situation is different, so we take the time to get to know you and your needs. Plus, we have access to a wide range of lenders, so we can find the right loan for you.
We’ve also got a bunch of online calculators that can help you figure out things like your home loan repayments, borrowing capacity, stamp duty costs and more. That way, you can make informed decisions about your finances, with confidence.
We pride ourselves on our transparency and honesty, and we won’t charge you any fees for our home loan services. Our purpose is to help you achieve your financial goals for a brighter future – it’s that simple.
And hey, we’re not just mortgage brokers – we also offer personal loans, car loans, and business finance. Whatever your financial needs may be, we’ve got your back.
If you’re after a trusted mortgage broker on the Coffs Coast of NSW, look no further than Rhythm Finance Co. Ready to get started? Get in touch today to have a chat – we can’t wait to help you rock your finances!
First Home Buyers
Understand borrowing capacity, loan options, grants, and the steps involved in securing your first home loan.
Property Investors
Explore lending strategies that support your investment goals, cash flow considerations, and long-term plans.
Refinancing
Review your current mortgage to reduce repayments, access equity, or find a loan that better suits your needs.
Buying a New Car
Whether it’s your first car or an upgrade, we’ve got you covered. Simple, personalised car finance with expert guidance every step of the way.
Personal Loans
Personal loans made simple, with support every step of the way. We’ll help you find a solution that works for your lifestyle and finances.
Business Finance
From equipment purchases to working capital, we’ve got your business covered. We’ll compare lenders to find the right finance for your next move.
Our Lender Panel
Ready to explore your finance options?
Contact the team at Rhythm Finance Co for personalised mortgage guidance designed around your next move.
Frequently Asked Questions
For most home loans, there’s no fee to use our service. Brokers are usually paid a commission by the lender once your loan settles, and the lender doesn’t add this cost to your loan. We’ll always tell you upfront how we’re paid and confirm whether any fees apply to your situation before you go ahead.
A bank can only offer its own products, while a broker compares loans from a panel of lenders to find one that suits you. We compare options from 30+ lenders, do the paperwork, deal with the lender for you, and guide you through to settlement. By law, mortgage brokers must act in your best interests when recommending a loan.
Many lenders accept deposits from 5%, but with less than 20% you’ll usually pay Lenders Mortgage Insurance (LMI). Eligible first home buyers may be able to buy with a 5% deposit and avoid LMI through the Australian Government’s Home Guarantee Scheme. Some professionals may also qualify for an LMI waiver. We can check which options you’re eligible for.
Pre-approval usually takes anywhere from a few days to two weeks, depending on the lender and how complete your documents are. Having your payslips, bank statements, ID and details of any debts ready speeds things up. Pre-approval generally lasts around three to six months, so you can house-hunt knowing your budget.
Yes. We help existing homeowners review their loan to see whether a better rate or features are available. This includes refinancing to a new lender, consolidating debts, releasing equity for renovations or an investment, and asking your current lender for a better deal. A loan review costs nothing and could save you money over the life of your loan.
