Welcome to NewStart

Your next chapter.
With the right
people beside you.

It starts with you. Your plans, your questions and the life you want to build. I'm here to help you see the way forward.

Find your starting point ↓︎ Explore your wider team ↗︎
A personal welcome from Josh Beniston
Joshua Beniston
Your relationship starts here Joshua Beniston Mortgage broker / Partner
01 / Your starting point

What does your
next chapter look like?

A few useful pointers, tailored to where you're heading. Choose what feels closest.

Before the keys, a clear plan.

We'll start with where you are today and what you'd like to buy, then work through your borrowing options together.

Useful for our first conversation
  • Your plans and preferred timing
  • A picture of your savings and income
  • Any current loans or commitments
02 / Your wider team

A circle of expertise.
With you at the centre.

Good finance is part of a bigger picture. Explore the specialists I can help you connect with.

You. At the centre

Select a specialist to explore your connections. Use the arrow keys to move around the wheel.

01 / Property search & purchase

Buyers' agents

Someone on your side of the property search. A buyers' agent can help you find, assess and negotiate a property that fits your brief.

A useful conversation when

You're short on time, buying from interstate or overseas, or would like help with the search and negotiation.

Introductions are optional. Specialist advice is provided by the relevant professional, under their own scope and fees. We can also work with the advisers you already know.

03 / A clear way forward

Know the next step.
Feel ready for it.

Explore the stages of working together, from our first conversation to life after settlement.

First, the bigger picture.

We'll talk about your goals, your circumstances and your timing. You don't need to arrive with all the answers.

Your part: bring your plans and your questions.
04 / See it for yourself

What could your
repayments look like?

A rough guide only — every lender and every rate is different, so treat this as a starting point for our conversation.

Estimated repayment
$3,946 / mth
Total repaid$1,420,560
Total interest$770,560

Principal & interest, indicative only. Doesn't include fees, offset accounts or rate changes over the life of the loan — we'll model your real numbers together.

05 / Ask away

A little clarity
goes a long way.

Start with the questions on your mind.

Have another question? Ask Josh ↗︎
What does working with you cost?

We'll explain how we're paid and any fees that apply to your circumstances before you decide to proceed.

Do I need to have found a property?

No. Our first conversation can help you understand your finance options and what to prepare before you start looking.

What if my income or circumstances are complex?

Let's talk through the full picture. We work with business owners, investors and people with more complex lending needs, including Australian expats.

How will I share my documents?

I'll provide the appropriate secure collection link when we're ready. You won't upload personal documents on this welcome page.

Do I have to use your specialist connections?

No. An introduction is simply an option. You can choose your own professionals, and we can work with the team you already have.

What happens after settlement?

You can stay in touch as your needs change. We can discuss a lending review, your next property or another finance need when the time is right.

06 / At your own pace

A little more knowledge.
Whenever you need it.

Visit the resource library ↗︎
Buying / 32-page guide

Home Buyer
Essentials

Get familiar with the journey from planning and pre-approval to settlement.

What's inside

Deposits and buying costs, pre-approval, finding a property, loan features and settlement.

Download the guide ↓︎
Borrowing / 28-page guide

Home Loan
Essentials

Understand the moving parts of a home loan and the questions worth asking.

What's inside

How brokers help, loan types, home loan costs and questions to discuss in your first conversation.

Download the guide ↓︎
Investing / 32-page guide

Property
Investment

Explore the considerations behind financing and owning an investment property.

What's inside

Planning, investment lending, property research, ongoing costs and managing a property.

Download the guide ↓︎
Let's take the next step together

A conversation.
A clearer way forward.

Josh · ·

Arrange a conversation ↗︎

General information only. Your full financial situation and requirements need to be considered before any loan recommendation. NewStart Financial Solutions · Credit Representative 554501 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328.