Refinance
Rates
Stop Paying The Loyalty Tax
Your bank already knows you won’t leave. Use our script to make them compete or refinance you into a sharper structure.
Read the playbookEvery article is a working playbook from Joshua Khoury's desk, designed so you can see how we think before you choose your broker.
Your bank already knows you won’t leave. Use our script to make them compete or refinance you into a sharper structure.
Read the playbook
Credit teams decline deals for patterns hidden inside your statements and tax returns. Learn the tells and fix them before you apply.
Decode the secrets
Algorithms reject messy tax returns. We reveal the documents and lenders that approve complex business structures.
Fix my policy fit
Expose balloon tricks, use pre-approval leverage, and cut 3% from the dealer’s “best” rate before you test drive.
Secure my rate
Five secrets banks hide about grants, deposit proof, and LMI so you can plan with certainty.
Plan my deposit
Declined loan? Follow this three-step emergency plan before anyone resubmits an application.
Protect my score
Bank vs mutual vs specialist lenders – see who is pricing the sharpest deals this year and what documents they expect.
Compare lenders
Understand the current rate bands for NSW lenders and how to qualify for the sharp end of each range.
See the averages
The four mistakes we fix every week—and how to avoid them so lenders say yes faster.
Avoid the traps
Market snapshot, lender comparison, and negotiation checklist so you can make banks compete for your vehicle purchase.
Compare rates
Evidence living expenses, stage documentation, and choose the right lenders so modest incomes still win approvals.
Build my brief
Audit debts, restructure repayments, and show lenders why your file is safer after consolidation.
Master consolidation
Blend certainty and flexibility across mortgages, car loans, and personal lending with our decision framework.
Compare structures
Understand commissions, clawbacks, and when client fees apply so you can ask sharper questions.
See the breakdown
Choice, pricing, accountability—see how the two channels stack up before you commit.
Pick the right path
Capacity, character, collateral, and conditions—learn how credit teams really judge your file.
Decode the criteria
From messy statements to shotgun applications, avoid the habits that trigger instant declines.
Avoid pitfalls
Collect payout figures, shop new lenders, and close out security registrations without hiccups.
Lower my repayments
See exactly what bureaus report, how scores are weighted, and the steps to clean issues fast.
Prep my credit
Deposit game plans, grant stacking, lender scorecards, and a 90-day approval sprint designed specifically for Australian first-home buyers.
Read the guide
See how repayment modelling, comparison rates, EV incentives, and dealer add-ons change the real cost of a vehicle.
Unlock the checklist
Amelia shows how we spin up evergreen niches, plug in affiliate offers, and route every article back to NewGen leads in under 90 days.
Build the engine
Turn offsets into a savings engine with three-tier structures, interest shaving tactics, and automation ideas for Australian borrowers.
Master offsets
Map cash conversion cycles, prep lender-ready financials, and plug gaps with the right mix of overdraft, invoice finance, and unsecured term loans.
Build the funding stack
Structure loans that pass lender scrutiny, keep repayments aligned with weekly earnings, and capture every tax deduction available to drivers.
See the driver planNeed clarity fast? Call Joshua or lock a Calendly slot.