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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