Independent Mortgage Strategists · Newcastle
Finance that fits your future, not just your next purchase.
Neo Finance Group takes a strategy first approach to lending. We compare 60+ lenders, structure your finance around long term goals, and manage every step from first conversation through to settlement.
Pre-approval in 4 to 48 hours
60+ accredited lenders
Newcastle, NSW
Core Value Proposition
The whole market, working for you.
Most banks will only show you what sits on their shelf. We compare loans across 60+ lenders to find the structure, rate, and features that actually match your situation. Then we negotiate on your behalf, manage the paperwork, and stay on your file long after settlement.
Our approach starts with your goals. We look at where you want to be in five years and work backwards to build a lending structure that supports growth, protects borrowing power, and avoids decisions that feel right today but cause problems later.
15+Years of experience
60+Lenders compared
Choose your pathway
Three ways in. One strategy built around you.
First Home Buyers
We map your savings against every available grant, concession, and low deposit pathway, then secure you a strong pre-approval so you can bid with full confidence the moment you find the right home.
Investor Loans
Interest only structures, equity release, and clean loan splits. Each one built so this purchase sets up the next, with every decision shaped around your future borrowing power and portfolio goals.
Refinancing
We compare your current rate against 60+ lenders and quantify all switching costs and the break even timeline before you move. If the numbers do not stack up, we will always be the first to say so.
Lending partners
Access thousands of loans from over 60 lenders.
CommBank
ANZ
Westpac
NAB
Macquarie
ING
Bankwest
Suncorp
St.George
AMP
Bank of Melbourne
Bank of Queensland
Bank SA
Auswide Bank
Bank of China
ME Bank
MyState Bank
UBank
Pepper Money
Resimac
Aussie Bonds
Better Choice
Bluebay
Deposit Power
Firstmac
Granite
La Trobe Financial
Orde Financial
Own Home
Paramount
RedZed
Heritage Bank
Newcastle Permanent
Firefighters Mutual
Gateway Bank
Health Professionals Bank
Teachers Mutual Bank
UniBank
Aus Military Bank
We work with 60+ trusted lender partners, from local institutions to leading global banks.
Compare All 60+ Rates“Our experience with Evan was exceptional! He made our process incredibly smooth and stress-free. Evan is highly knowledgeable, responsive and attentive to our needs. We couldn’t be happier with his services and would highly recommend Evan Reid to anyone looking for a reliable mortgage broker.”
$1.4BLoans settled
97%Approval rate
24hAvg. submission
0.68%Avg. rate saving
Our Experts
Strategy first. Backed by a team built to deliver it.
Every role at Neo exists for a reason. Strategy, credit analysis, lender execution, and client service are handled by specialists so nothing falls through the cracks.
Evan Reid
Owner & Mortgage Broker
15 years inside Australia's major banks, approving loans and leading high performing lending teams. Evan built Neo to put strategy ahead of product, designing finance structures that support long term goals, protect borrowing power, and hold up as portfolios grow. Winner of the Rising Star award in his first year of broking.
Mikayalah
Client Services Manager
With Neo since day one. Mikayalah manages every application from initial document collection through to settlement, handling lender follow ups, client communication, and detail control. She holds a Certificate IV in Mortgage Brokering and brings a background in delivering high standard service to affluent clientele.
Roberto
First Home Buyer Broker
Over five years inside major banks supporting clients through diverse lending scenarios, Roberto specialises in first-time buyer mortgages and re-mortgaging. He focuses on tailoring property finance to align with your personal financial goals and long-term budget, ensuring you get the right mortgage strategy without being forced into rigid product structures.
The Process
From First Conversation to Settlement in Four Steps
We handle the lender negotiations and paperwork. You focus on finding your property.
01Strategy Call
We learn your goals, assess your borrowing power, and identify the right lenders.
02Compare & Select
We present your strongest options with rates, fees, and features compared side by side.
03Application & Approval
We submit your application and manage all lender communications through to formal approval.
04Settlement & Savings
You collect your keys. We audit your rate every year and come back to you if something better exists.
Frequently Asked Questions
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Every situation is different, but it starts with understanding your borrowing power, savings position, and which government grants or schemes you may be eligible for. We walk you through all of it before you start looking.
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It depends on your current rate, loan structure, and what lenders are offering right now. We compare options across our panel to see whether a switch makes financial sense for your situation.
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We act on your behalf to find and negotiate loan options from a panel of lenders, so you're not limited to one bank. We handle the paperwork, manage lender communication, and guide you from application through to settlement.
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It starts with a conversation about your investment goals, borrowing capacity, and how the loan fits your broader financial position. From there we match you with the right lender and structure.
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In most cases, there is no direct fee to you, the lender pays the broker a commission on settlement. We're upfront about how we're paid and will explain everything before you commit to anything.
Book Your Strategy Call
Your next property move starts with one honest conversation.
Tell us where you are at. Whether it is a first home, a next investment, or a rate that no longer makes sense, we will model your borrowing power across 60+ lenders and come back with a clear, no obligation plan.