Rate drops & equity

Thinking about refinancing your home loan?

We reprice your current lender, benchmark national panels, and model equity releases so you can reset repayments with confidence.

What are the key takeaways (TL;DR)?

Negotiate sharper rates or cashback offers with your current lender and their competitors.
Release usable equity for renovations, investments, or debt reshuffles.
Reset the structure: offset accounts, fixed/variable blends, IO to P&I transitions.

Plan my refinance Offset + savings tips

How do we engineer the refinance?

NewGen builds the pricing story and repayment map so your file reads like a low-risk upgrade.

How do we reprice and benchmark?

We capture retention offers from your current lender and compare them with national panels.

Side-by-side matrix of rates, cashbacks and fees
Break-even analysis that factors discharge + setup costs
Trigger points to reprice again post-settlement

How do we structure the refinance?

Blend fixed + variable splits, offsets, and redraws so the new loan mirrors the way you manage cash.

Equity release + cash-out modelling
Line-of-credit vs term loan recommendations
Fallback plan if valuations shift

What happens after settlement?

Automation keeps the refinance delivering savings long after settlement.

Offset + salary sweep templates
Expense-tracking dashboards
Scheduled reviews with the broker desk

How long does refinancing take?

Expect a 7�12 day window from enquiry to settlement, depending on valuation access and lender choice.

Day 0-2

Document upload + repricing. We confirm the walk-away rate and structure.

Day 3-6

Applications lodged + valuations ordered. Pricing escalated to credit teams.

Day 7-11

Conditional approval, valuations returned, outstanding documents finalised.

Day 12-15

Settlement + discharge of the old lender. Offset + automation switched on.

Need funds for renovations, investing or business growth? We map the refinance alongside vehicle, business or SMSF strategies so future submissions fly through.

What proof wins over credit teams?

Surplus cash flow

We show the before/after budget so the new repayment is obviously safer for the lender.

Account conduct

Statements are annotated to explain any late payments or temporary hardship.

Security position

Equity and asset values are documented with RP Data, bank valuations, or accountant letters.

Future intent

We explain how you will keep accounts closed and what milestones trigger a refinance or rate review.

For more DIY tactics, read SME Working Capital Blueprint or Offset Account Playbook. Then come back and let us execute the heavy lifting.

Ready to talk with Joshua?

Email your current lender statements, payout letters and goals to info@newgenfinancebrokers.com and we will map the refinance storyboard. Prefer a call? Phone 0451 414 800.

Need broader advice? Visit the About page to see how the team operates or jump directly to the contact page.

Send my refinance brief

Refinancing FAQs

When is the right time to refinance?

We review home loan refinance triggers and build a refinance for home loan plan based on rate rollovers, cash flow, and policy changes. This is the core of housing loan refinancing.

Do you handle interstate refinancing?

Yes. We support refinance home loan broker sydney requests and refinancing loans brisbane mortgage broker scenarios with remote document collection and lender comparisons.

Can you refinance with credit challenges?

We can assess refinance mortgage loans for bad credit when the story is clear and repayment capacity is demonstrated.