Joel Nancarrow - Taking care of all your loan needs and property goals.

Joel Nancarrow

Mortgage Broker at Relax Home Loans

joel@relaxhomeloans.com.au

About Joel

Joel Nancarrow is a dedicated mortgage professional at Relax Home Loans, based in Point Cook, Victoria. With a strong background in finance and mortgage broking, Joel plays a pivotal role in connecting clients with tailored home loan solutions that align with their financial goals.

At Relax Home Loans, Joel collaborates closely with clients to understand their unique circumstances, ensuring they receive personalised advice and access to a broad range of lending options. His commitment to transparency and integrity ensures that clients are well-informed and confident in their financing decisions.

Whether you're a first-time homebuyer, looking to refinance, or seeking investment opportunities, Joel is dedicated to guiding you through the mortgage process with professionalism and care.

Based in Point Cook, Joel frequently works with clients in surrounding areas such as Altona, Seabrook, Newport, Werribee and all around Australia. He is always within reach—whether you prefer in-person meetings at the Relax Home Loans office or convenient video calls. His reputation is built on deep industry knowledge, local insight, and a sincere dedication to making the lending process feel approachable and empowering.

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Our Recent Reviews

We had a great experience working with Steve and Danniella. Our situation was a bit unique, with the vendor being the owner, which meant there was quite a bit of back and forth throughout the process. They guided us through everything patiently and helped us navigate the complexities smoothly. We really appreciated their clear advice, responsiveness, and the way they explained each step so we always knew what was happening. Their referrals and connections also made the whole process much easier and less stressful. Thanks again for the support throughout — we’re very grateful and would happily recommend them to anyone looking for a reliable and knowledgeable mortgage broker.

Jonar Marzan

Steve and team went above and beyond to help me and my family buy our dream home. After hours calls, lots of emotions and stress and he was with us through it all! Can't recommend highly enough!

Jessica Carton

Relax Home Loans team have been amazing support over the years. Steve, joel ,Danniella, Ashlyn and Amy have all been terrific to work with, Thanks for all your help over the years.

kim simmons

Steve was an absolute blessing to have guide us through our journey, from his prompt responses, clear instructions and processes, i couldnt recommend steve and relax home loans highly enough! Thanks again steve 👌😊 ...

Jamie Galea

Frequently Asked Questions

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Is it cheaper to refinance with a bank?

Working with a local mortgage broker can help you secure a better home loan with lower interest rates or minimal fees. While we can evaluate loan options from different lenders for you, refinancing with the bank means that you only have access to a limited set of options from one lender.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Latest Articles

19th May 2026

Fixed Rate Loans & Extra Repayments: What to Know

Understanding how extra repayments work on fixed rate home loans and the restrictions that could cost you thousands in break fees.

13th May 2026

First Home Buyer Timeline: What Happens and When

Understanding the actual sequence of steps from application to settlement helps you make decisions with confidence, not confusion.

5th May 2026

Variable Rate Home Loans for Point Cook First Home Buyers

Understanding variable interest rates and how to structure your first home loan application when buying property near the Town Centre or Saltwater Coast.