Rate drops & equity

Refinancing Home Loans

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

  • 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.

How we engineer the refinance

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

Reprice + 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

Structure

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

Post-settlement rhythm

Automation keeps the refinance delivering savings long after settlement.

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

Refinance timeline

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.

Proof that 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.

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