Our Difference
Strategic broking, not transactional lending.
Most brokers place a loan. We build a financing strategy, then defend it every year afterwards, so your rate never drifts back into loyalty-tax territory.
The Editorial Comparison
The traditional path, and the Neo strategic model.
01MARKET ACCESS
GOING DIRECT TO BANK
A bank can only offer you the products on its own shelf, priced to protect its margin.
THE NEO STRATEGIC MODEL
We hold accreditation with 60+ lenders and compare live pricing, policy and structure across all of them before recommending anything.
02DUTY OF CARE
GOING DIRECT TO BANK
Branch lenders are sales staff with volume targets and no legal duty to act in your best interest.
THE NEO STRATEGIC MODEL
As brokers, we are bound by Best Interest Duty, the legislated obligation to place your interests ahead of our own remuneration.
03AFTER THE SETTLEMENT
GOING DIRECT TO BANK
Once your loan settles, nobody calls again. Your rate quietly drifts upward through the loyalty tax.
THE NEO STRATEGIC MODEL
We audit your rate every 12 months, benchmark it against the current market, and renegotiate or refinance where it pays to.
04MARKET ACCESS
GOING DIRECT TO BANK
A declined application leaves a mark on your credit file and no explanation you can act on.
THE NEO STRATEGIC MODEL
We pre-assess against lender policy before lodging, so files go to the lender most likely to say yes the first time.
60+ Lender Power
One bank sees one policy. We see the whole market.
Lenders do not compete evenly. One will treat your bonus income at 100% while another discounts it by half. One will accept a two year ABN, another demands three. These policy differences routinely move borrowing capacity by six figures.
Because we are accredited across the majors, second tier banks, mutuals and specialist nonbank lenders, we can point your scenario at the lender whose policy genuinely favours it. We then use competing offers as leverage on price.
60+Lenders on panel
4Major banks
1000sLoan products
Annual Rate Auditing
Your loan gets reviewed every year, not forgotten.
The single biggest cost most borrowers carry is inertia. Lenders price new customers sharply and let existing ones drift. That gap widens quietly by 0.2% to 0.5% a year until it is costing thousands.
Every twelve months we pull your current rate, benchmark it against live pricing across our panel, and take one of three actions: negotiate a repricing with your existing lender, model a refinance where the saving clears the switching cost, or confirm in writing that you are already competitive and no action is needed.
You get a short written summary each time with the number, the comparison and the recommendation. Nothing happens without your approval, and the review costs you nothing.
Frequently asked questions
Your questions, answered.
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A bank can only offer its own products. We compare options across a panel of lenders to find the rate, structure and loan features that actually fit your situation. We manage the entire process from application to settlement, and the lender pays for the service, not you.
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We do not just find a rate and submit an application. We map your full financial position, model your capacity across multiple lenders, and build the loan structure around where you are headed, not just where you are today. Every recommendation is pressure tested against real lender policy before we present it to you.
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We have access to a panel of accredited lenders covering the major banks, second tier lenders and specialist products. Rather than comparing every lender on the market, we match your profile to the ones most likely to approve you on the best terms and structure for your situation.
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Yes. You will have a dedicated broker who handles your application from the first call through to settlement. Our team works behind the scenes on file preparation and lender coordination, but your broker is your single point of contact throughout.
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Complex income, multiple properties, trust structures, self employment, or a credit history with marks on it do not automatically disqualify you. Different lenders have different policies, and part of our job is knowing which lender treats your specific situation most favourably.
Independent By Design
See what independence is worth on your loan.
Neo Finance Group was founded on a simple conviction that borrowers deserve an advocate with access to the whole market, not a salesperson with one product shelf.