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Find your borrowing power
Secure your
borrowing power.
We compare 40+ lenders to get you the lowest rate — specialising in self-employed loans, first home buyers, and investment lending. For Smarter Money Decisions.
Live Rate Horizon
Updated July 2026
Across our 40+ lender panel
Big four variable average
Potential saving: ~$3,400/yr on a $600k loan
Every kind of borrower. One place to compare.
From your first home to your fifth investment property, from a ute to a commercial facility — we cover the full spectrum of Australian lending.
First Home Buyers
Grants, schemes, and low-deposit pathways mapped out end to end.
Refinancers
A full loan health check — lower rate, better features, real savings.
Property Investors
Structures optimised for tax, asset protection, and your next deal.
Self-Employed
Low-doc and specialist lending — our deepest area of expertise.
Asset Finance
Chattel mortgages and leases for vehicles, equipment, and machinery.
Personal & Car Loans
Secured and unsecured loans at competitive rates, fast approval.
From the first key to the front door.
Every family we help has a moment like this. We exist to get you here.
From first calculation to front door.
Six clear stages of buying a home in Australia. Click through to see what happens at each step — and where we help.
Know your numbers
Work out your borrowing power and target deposit before you fall in love with a property.
What happens here
40+ lenders compared — we work for you, not the bank
Backed by Australia's most trusted bodies.
Fully licensed, regulated, and accountable — your finance is in accredited hands.
ASIC Licensed
Credit Licence 389328
Credit Representative
Credit Representative 563367
MFAA Member
Mortgage & Finance Assoc.
FBAA Member
Finance Brokers Assoc.
AFCA Member
Financial Complaints Authority
Best Interests Duty
NCCP compliant advice
NCCP Compliant
Responsible lending
Privacy Act 1988
Data handled securely
Next Step Financing · Australian Credit Licence 389328 · Credit Representative 563367 · ABN 43 673 755 130
Rates are easing.
Now's the moment.
The average variable rate across our 40+ lender panel has fallen 0.51% over the past year as the RBA eases. Locking in today means securing a sharper rate before the next move — and our brokers track every lender's pricing daily.
Current avg
5.71%
1 year ago
6.22%
Change
-0.51%
Average variable rate (owner-occupier, P&I)
Across our 40+ lender panel · updated Aug 2026
Indicative average of discounted variable rates across the Next Step lender panel. Your actual rate depends on LVR, loan size, and borrower profile — we'll find the sharpest one for you.
Australian Credit Licence
Authorised under ACL 389328. Credit Representative 557851. Fully licensed, fully accountable.
Best Interests Duty
Legally obligated to act in your best interests. We recommend the right loan for you — not the highest commission.
Transparent & Documented
Every recommendation is documented and justified. No hidden commissions, no surprises — ever.
Find your loan in 60 seconds.
Skip the contact form back-and-forth. Answer four quick questions and we'll match you with the right lending pathway — then book you straight into a free consultation.
What is your mission?
Select the option that best describes your goal.
Built on trust, powered by comparison.
Trustworthiness
Transparent advice, every time. No hidden commissions, no surprises.
Integrity
We recommend the loan that's right for you — not the one that pays us most.
Customer Focus
Your goals drive every conversation. We're available long after settlement.
Innovation
Fintech-grade tools meet decade-deep brokering expertise.
Financial Strength
40+ lenders compared to secure you the lowest rate available.
Security
Your data is encrypted, your privacy respected, always.
Real Australians. Real savings.
Hundreds of clients have trusted us with their next step. Here's what they had to say.
"We'd been knocked back by two banks before we found Next Step. They got us pre-approved in a week with a 10% deposit. We're now in our first home and couldn't have done it without them."
Sarah & James M.
First Home Buyers, Brunswick
"As a sole trader, the banks made me feel like a second-class borrower. Next Step knew exactly which lenders welcome self-employed applicants and got me a rate lower than my bank offered. Genuine experts."
David T.
Self-Employed, Richmond
"They restructured three investment loans, saved me $3,200 a year, and set up my equity for the next purchase. The level of strategic thinking is next level."
Priya K.
Property Investor, South Yarra
"We were paying 6.84% and didn't think we could do better. Next Step found us 5.99% with cashback. The whole refinance took three weeks and they handled everything."
Mark & Linda H.
Refinancers, Geelong
"Needed equipment finance for my business fast. Next Step compared chattel mortgage options across six lenders and had me approved same day. No fuss, no paperwork mountain."
Ahmed R.
Business Owner, CBD
"Got a secured car loan at a way better rate than my bank quoted. The whole thing was done online and the car was mine in four days. Highly recommend."
Emma L.
Car Loan, Carlton
Briefings from the lending floor.
Practical guides and insights to help you make smarter money decisions.
Frequently Asked Questions
Our service is free for most home and investment loan enquiries — the lender pays us a commission after settlement. For complex commercial or specialty lending, we'll discuss any applicable fees upfront with full transparency. You'll never receive a surprise bill.