Borrow Intentionally
Finance Broker in Australia
Need finance? We can help. We’re here to keep the banks honest, question the numbers, and make sure you’re getting a great deal.
Tailored Broker Services
What We Can Help With
From home loans to vehicles, personal and business finance, we’ll help you understand your options and find the best way forward.
Home Loans
Finance for buying your first home, moving, building, investing or reviewing your current mortgage.
Vehicle & Lifestyle Finance
Finance for cars, motorcycles, boats, jet skis, classic vehicles and electric cars, with the loan considered around your purchase.
Asset & Business Finance
Finance for equipment, business vehicles, trucks and other business needs, structured around your operation.
Personal & Debt Finance
Personal loans and debt consolidation, with the costs, repayments and loan structure clearly considered.
Why I Started NextCredit
I’m Tom Raeder, founder of NextCredit and a finance broker focused on helping people make better borrowing decisions.
I started NextCredit because I wanted to simplify the finance process. With the right guidance, I believe people can borrow intentionally and make more considered choices.
My role is to help you make sense of the options, check the numbers and make sure you’re getting finance that truly fits.
I’m an authorised credit representative (CRN 580839) of Purple Circle Financial Services Pty Ltd, Australian Credit Licence 486112, and an MFAA Accredited Broker (Member 204039). You can verify my details on ASIC’s Professional Registers or view my profile on the MFAA Find a Broker directory.
What Happens Next
How the Process Works
01
Tell Us What You Need
We’ll start with a conversation about what you need the finance for and how things look at the moment. We take the time to understand the full picture.
02
Find a Loan That Fits
We look closely at the options and question whether they stack up for you. That means checking the numbers and looking for ways to reduce costs or give you more flexibility.
03
Prepare and Move Forward
When you’re ready, we’ll help get your application together and deal with the lender on your behalf. We’ll keep you updated and let you know what’s needed as things progress through to settlement.
More Information
Frequently Asked Questions
We look beyond whether a loan can be approved and question whether it’s a good deal for you. We check the numbers, compare suitable options and look for ways to improve the outcome. We also handle the application and deal with the lender, so you have someone working through it with you.
That depends on your financial situation and the type of finance you need. Different lenders may assess the same application differently. We can help you work out what may be available and whether the repayments would leave you comfortable.
Yes. We work with a panel of lenders across the types of finance we offer, including well-known Australian banks and non-bank lenders. This gives us a range of options to consider based on your circumstances, rather than being limited to what one lender can offer.
We’ll explain how we’re paid and whether any broker fees apply before you decide to proceed. We’ll also talk you through the lender’s fees, so you can consider the full cost of the loan.
Your Next Step
Ready To Get Started?
You don’t need everything worked out. Tell us what you’re trying to do, and we’ll help you understand what the next step could look like.
