About Us

WE ARE A TEAM OF PROFESSIONAL BROKERS
AND YOU CAN RELY ON US TO HELP YOU

more details

Calculators

USE OUR CALCULATORS TO FIND OUT
HOW MUCH YOU CAN BORROW

these tools give you a better insight into
how the banks may view your loan application
more details

News & Resources

WE WORK HARD TO MAKE SURE THAT
YOU UNDERSTAND WHAT IS GOING ON
IN THE FINANCE INDUSTRY

About Us

NewStart Financial Solutions was established in 2013 with an unobstructed vision to help all Australians and international clients alike to achieve their property and funding goals. As a client, you will experience a bespoke service that is customized to your individual needs. We aim to establish long-term relationships with clients that are anchored on mutual trust and respect. We believe in professionalism, honesty, and transparency in all dealings with our clients.

Ashley Browne

Mortgage Broker / Partner

Ashley is the founder of NewStart Financial Solutions and has over 30 years’ experience in finance and mortgage lending. Before starting NewStart Financial Solutions Ashley spent 10 years as private banker where he worked with some of the country’s most influential HNW families. He brings extensive knowledge to the table, having seen the banks from the inside. As a Finance Consultant, Ashley will take the time to understand your funding goals and requirements. This may include paying your loan off as fast as possible, building a property portfolio or simply having more money to do the things you love. Ashley will provide you with the ‘best of breed’ funding options based on your needs and not just the lowest interest rate. However, if the lowest rate is what you want, then that’s what you’ll get. Whilst Ashley deals with HNW clients on a daily basis, he is also passionate about helping all clients, no matter how big or small,  from first home buyers to mums and dads, as well as SMSF lending.

Joshua Beniston

Mortgage Broker / Partner

Joshua prides himself on personalised and professional service to deliver tailor-made financial solutions to all clients, regardless of their financial standing. Joshua has over 21 years’ experience in finance and mortgage lending. His financial expertise ranges from running Australian banks overseas, and for nearly a decade in private banking, where he delivered customised solutions to some of the wealthiest families in the country.

Joshua offers expert advice on financing various investments, ranging from complex lending and business funding to first home buyers and investment property portfolio financing. He will guide you through self-managed superannuation fund lending, home equity for renovations, investment market lending, low- and no-doc home loans, as well as equipment and motor finance.

His commitment to clients extends beyond just securing finances. He networks with diverse professionals, such as real estate agents, buyers’ agents, accountants, and financial planners, to provide a holistic service experience.

services

We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.

We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:

SUPPORTING FIRST HOME BUYERS

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.

INVESTMENT LOANS

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.

COMMERCIAL LOANS

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

STANDARD VARIABLE & FIXED RATE LOANS

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.

HONEYMOON LOANS

A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.

BRIDGING LOANS

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

ASSET FINANCE

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.

The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.

AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

why choose us

Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.

Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:
  • We will be easy to do business with
  • You will talk to a real person
  • We will get back to you
  • We will go the extra mile, every time
  • We will listen to what you want
  • We will provide home loan options that suit your needs
  • We will source competitive interest rates
  • We are here to serve you and ensure you will be 100% satisfied with our service.
We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.

You can feel confident that you are in safe hands and we will find the loan that’s right for you.

My husband and I have been working with Ashley for a few years now. Although a mortgage loan can feel quite overwhelming and confusing, Ashley does a great job in helping make sense of everything. He is a genuine person and cares about your financial situation. I would highly recommend his service.

Melissa Laurie

The best banker I've ever dealt with - - In my many years of dealing with private banks when owner of Unibet, Josh was by far the best banker I ever had. Every request or issue was actioned expertly with a minimum of fuss and always had a successful outcome. He's a terrific guy and one of those rare people who just gets things done regardless of how difficult, and now as my mortgage broker this continues. I cannot recommend him highly enough.

Mark Morissey

Quick, efficient and service is👌🏼 - Recently had the pleasure of working with Josh, he was very quick and efficient, his communication is excellent and service is impeccable. The best experience I’ve had to date working on finance and lending. Having Josh in my corner has added so much confidence in moving forward on more opportunities, big recommendation from me 😊

Michael King

So easy to work with - Josh was amazing to work with in navigating all the various scenarios for our morgage . Nothing was too much and he was always readily available to answer any questions; even the stupid ones. We felt in very safe and capable hands from start to finish.

Sarah Wade

Service and solutions!!!! - I have worked with Josh now on a couple of transactions that have been really complex due to my tax strategy and company structures. Not once did this challenge Josh and I never was once told an issue or challenge where he had not already had a solution ready to overcome it. If you are after someone who not only knows their stuff but is a pleasure to just sit with a chat this is your man. Thank you for everything Josh, looking forward to a continued and long last relationship with you.

Jeremy McHall

All concerns addressed - was so good - As a first home buyer I was really overwhelmed by all of the information, different banks, products, rates… the list goes on. Josh was amazing!!! He took as much time as needed, walked me through everything, addressed every question I had and would continue to check in to make sure that I was comfortable and understood everything that was happening. Additionally he provided me some great support information and links on his social media that had some education clips that broke down a lot of the bank talk that’s out there. Would strongly recommend Josh as a broker, delivered A+ service with care and consideration.

Olivia Price

From banker to broker and never skipped a beat. - I have worked with Josh in a professional capacity in Private Bank and have recently engaged Josh to assist on a property transaction for myself. He worked seamlessly with the bank, buyer’s agent and solicitor to complete the transaction and was committed and professional at every step. Even with the last-minute hiccup we settled on time. He has transferred his Private Bank knowledge and service levels to his broking business and the personal touch that he brings to every client is second to none. Josh doesn’t just complete the transaction; he builds a relationship. As both a banker and a client, I cannot recommend Josh highly enough. Working with Josh through any transaction is an asset you cannot put a price on.

Kimberley Hamilton

Josh was exceptional! - We had the privilege to be a private client of Josh, with Westpac Bank over many years. We found him to be exceptionally experienced, resourceful and solution based. What made Josh and his association as very special, is his personal touch and care that he showed with every one of our finance transactions. Josh is exceptional of what he does and you will always be well looked after.

Munzurul Khan

Ashley is the most professional Finance and Mortgage specialist I have ever dealt with. He was able to organise an excellent interest rate but more than that, the ease with which the process went was both a pleasant surprise and a clear reflection with his experience and expertise. He was also able to provide introductions to a multitude of Private Banks and give specific insights into different structuring options, which was also extremely helpful. I would recommend Ashley to anyone, without hesitation.

J. Cowper – Country Head, Investments

Thank you Ashley for your help in refinancing my mortgages, and in particular your out of hours service, patience with my schedule, and home visits for signing contracts. Your market leading interest rates, personal service and courtesy guarantee you my strongest of recommendations

M. Higgins – General Sales Manager

I was recommended to Ashley by my Financial Planner. After speaking with Ashley about my funding needs, which involved a tight time frame, I was immediately impressed with his ability to understand my needs and explain my options to me in plain English. He kept me updated with the progress of my application and made the whole process seamless from start to finish. Best of all he managed to get me a lower interest rate than my current bank and even lower than the advertised rate from the bank we moved our loan to.  Ashley made our dream come true for myself and my wife since all previous attempts to consolidate our debts had failed which was very frustrating.  Ashley is very caring, friendly,  knowledgeable and the most professional broker I have ever met in my life. I cannot recommend Ashley enough.

E. Osei-Kumah – Client Service Manager

I have used Ashley’s services three times to help my wife and I secure advantageous loans on investment properties. I am delighted Ashley’s service has now extended to loans for two of our children with not just excellent rates, but including fixed/variable mixes and ‘interest only’ components that should help protect them through the uncertain years ahead. I commend the quality of advice Ashley provides.

M. Salkild – Advertising Consultant

“Ashley has provided a service second to none. He successfully negotiated a new banking arrangement for me in a very short period of time on significantly better terms. I would recommend Ashley’s services to anyone who needs bank finance.

J. Feeney – Head of rates and credit Management

I engaged Ashley Browne to refinance my loan portfolio in order to maximise my borrowings and reduce the interest rate to the lowest levels. Ashley is a true professional and was able to provide me with choice. I was able to borrow more for investment purposes and cut my variable rate by 0.65%. Ashley has a strong network with all the Private Banks and was able to find a great solution for myself. I have no hesitation in recommending Ashley to help with refinancing.

R. Jewell – Portfolio manager

Ashley was very focused on our needs and found a great financing solution for our particular situation. The package was great, the interest rate was substantially lower than we were paying, and we’re now set up for the next phase of property investing. Also, it’s terrific to deal with such a pleasant, personable consultant!

R. Welling – Publisher/lecturer

Ashley was instrumental in helping my family purchase a new home. I really appreciated how he broke down all the confusing processes and bureaucracy into easy to understand milestones. I always knew where things were at with our financing. I have no doubt he secured us the best possible home loan available.

P. Scobie – Senior Producer

Ashley has an incomparable flair to engage with clients across a spectrum of life and financial stages. His ability to build rapport and trust is second to none along with his aptitude to communicate and educate them on complex wealth strategies. He is practical and ever insightful.

D. Ishoo – BOQ Specialist, Private Banking

calculators

Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.

The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.

You should always discuss your individual circumstances with a representative of NewStart Financial Solutions before placing your deposit or purchasing any property.

contact us

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.

We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.

Please get in touch with us today.

contact information

Address:
Sydney
The privacy of your personal information is important to us. By providing your personal information to NewStart Financial Solutions, you consent to be contacted by a representative of NewStart Financial Solutions from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you. Click <here> to view our full Privacy Policy.