Are you a first-home buyer?
We map deposits, grants, LMI exposure and repayment buffers so you bid with clarity and speed.
Owner-occupier lending
Need a home loan in NSW?
We orchestrate every step of your home loan—from first-home buyer grants to refinancing a growing household. Lender choice, structure and rate negotiations are mapped to how you plan to live, not just what you can borrow.
What are the key takeaways (TL;DR)?
- Pre-approval coaching plus document concierge.
- Refinance and equity-release strategies built around offset and redraw efficiency.
- Construction + guarantor loans with staged funding control.
Which home loan lane fits you?
NewGen gives you one point of contact for every owner-occupier scenario.
Are you upgrading or relocating?
Bridge timelines, handle contingent sales and manage valuations so the move is seamless.
Need construction or renovation finance?
Progress payment schedules, builder paperwork and contingency buffers packaged for lenders.
Need an equity release plan?
Tap existing equity for future investments or renovations while keeping cash-flow healthy.
What do home loan lenders look for?
We present your income, dependants and liabilities in the exact format each credit team prefers.
Scenario notes outline buffers, offset flows and rate strategy for the next 3+ years.
Comparable sales, renovation scope and purchase rationale are prepared before the valuer steps in.
We stay on call for solicitor, agent and lender questions until keys are collected.