Newy Finance

Newy Finance Jon is a local Newcastle broker helping locals to purchase, refinance or consolidate debt. Newy Finance is a mortgage broking firm in Newcastle, NSW.

We offer home loans, first home buyers mortgages, commercial loans, investment property loans, asset finance, refinancing, equipment finance, mortgages, debt consolidation, personal loans, home equity release, mortgage top-ups, land & construction loans. We service clients from Newcastle to the Hunter Valley and beyond. Don't leave it to chance, Call Newy Finance!

Something interesting is happening in the home loan market right now.While another RBA rate rise is being forecast by so...
08/09/2026

Something interesting is happening in the home loan market right now.

While another RBA rate rise is being forecast by some major banks, lenders are still competing hard for borrowers, with some cutting their home loan rates.

It’s an important reminder that the RBA cash rate and the rate you're personally paying aren't always the same thing.

Lenders have different pricing, policies and offers, and competition in the market can create opportunities for borrowers to review their options.

That doesn't mean everyone should automatically refinance.

But if it's been a while since you checked your loan, it's worth understanding how your current rate compares with what's available.

In a changing market, staying informed can make a real difference.

If you'd like me to take a look at your current home loan and see whether it's still working for you, get in touch.

Jon Jones
Newy Finance 🏡

Happy Father’s Day to all the Dads and father figures out there. 💙Today, I’m especially grateful for two very important ...
05/09/2026

Happy Father’s Day to all the Dads and father figures out there. 💙

Today, I’m especially grateful for two very important roles in my life, being David’s son and Flynn’s dad.

Dad, thank you for everything you’ve taught me and for the support you've always given me.

And Flynn, being your dad is one of the greatest joys of my life. Watching you grow and sharing life with you makes me grateful every day.

Happy Father’s Day!

Jon Jones

Newcastle isn’t just where I work…it’s home 💙I’m incredibly grateful to have the opportunity to help fellow Novocastrian...
31/08/2026

Newcastle isn’t just where I work…it’s home 💙

I’m incredibly grateful to have the opportunity to help fellow Novocastrians navigate some of the biggest financial decisions of their lives, whether that’s buying a first home, refinancing or investing in property.

For me, it’s about more than finding a loan. It’s about getting to know my clients, understanding their goals and helping them feel confident about their next step.

Supporting my local community is something I genuinely love. 🏡

Jon Jones
Newy Finance

Really appreciate these kind words 🙏My goal is always to make things as simple and stress-free as possible, keeping you ...
28/08/2026

Really appreciate these kind words 🙏

My goal is always to make things as simple and stress-free as possible, keeping you informed, staying on top of the details and making sure you understand your options along the way.

Thank you for trusting me with your refinance. I’m genuinely grateful for the opportunity to help and really appreciate the recommendation.

Jon Jones

Could a refinance make a noticeable difference to your monthly repayments?In this example, I helped a client reduce thei...
25/08/2026

Could a refinance make a noticeable difference to your monthly repayments?

In this example, I helped a client reduce their home loan repayments by around $241 per month or approximately $2,892 per year. 💰

But refinancing isn’t just about finding a lower interest rate.

I look at the bigger picture, including the loan features, costs, your current financial position and whether switching actually makes sense for you.

Sometimes a simple review can uncover an opportunity you didn’t realise was there.
When was the last time you reviewed your home loan?

Send me a message and we can have a chat about your options.
-Jon Jones



*Example figures are illustrative only. Actual repayments and savings will vary depending on individual circumstances.

Could a 5% deposit help you buy your first home? 🏡 The expanded 5% Deposit Scheme means eligible buyers can purchase wit...
22/08/2026

Could a 5% deposit help you buy your first home? 🏡

The expanded 5% Deposit Scheme means eligible buyers can purchase with as little as a 5% deposit without paying LMI, with no income caps and unlimited places.

Eligible single parents and legal guardians may be able to buy with as little as a 2% deposit.

And if you're buying in Newcastle or Lake Macquarie, the current property price cap is $1.5 million, although specific postcode rules apply.

If you're thinking about buying your first home, it's worth checking whether the scheme could work for you.

Not sure where you stand? Let's chat and run the numbers. 🔑

Jon Jones
Newy Finance 🏡

You could have more equity than you realise... and it could lower your mortgage repayments.Many homeowners have built si...
18/08/2026

You could have more equity than you realise... and it could lower your mortgage repayments.

Many homeowners have built significant equity over the past few years without even thinking about it.

According to PropTrack, house prices increased in 85% of suburbs across Australia over the year to June, while unit prices rose in 90% of suburbs. Even though property prices have softened slightly in recent months, many homes are still worth considerably more than they were a year ago.

That's important because your home's value plays a big role in your refinancing options.

Recent data from Cotality shows the national median property price fell 0.7% in the June quarter, but values remain well above where they were this time last year. For many borrowers, this means they've now built 20% or more equity in their property.

Why does that matter?

✅ You may be able to refinance without paying Lenders Mortgage Insurance (LMI).
✅ You could qualify for more competitive interest rates.
✅ Lower repayments or a better loan structure could be within reach.
✅ Even if you stay with your current lender, knowing your options can strengthen your negotiating position.

Many borrowers are surprised by how much their refinancing opportunities have improved.

If you haven't reviewed your home loan in a while, now could be the perfect time.

What do the new SMSF rules mean for property investors? 🏡If you're thinking about using your self-managed super fund (SM...
15/08/2026

What do the new SMSF rules mean for property investors? 🏡

If you're thinking about using your self-managed super fund (SMSF) to invest in property, it's important to understand what's changed.

Recent rule changes mean SMSFs can no longer borrow to purchase residential property.

However, commercial property is different. SMSFs can still borrow to purchase eligible commercial properties, so there are still opportunities available depending on your investment goals.

The key takeaway?

These changes don't stop SMSFs from investing in property—they simply change how residential property can be purchased.

When super, lending and property investment overlap, even small policy changes can have a big impact on the strategy that's right for you.

If an SMSF property purchase is something you're considering, it's worth getting clear on the rules before making any big decisions.

If you'd like to understand how these changes could affect your future property plans, I'm always happy to have a chat.

Jon Jones
Newy Finance 🏡

Every lender, loan and situation is different. Even if you've been told "no" before or your refinance feels more complic...
12/08/2026

Every lender, loan and situation is different. Even if you've been told "no" before or your refinance feels more complicated than expected, having an experienced broker can make all the difference.

I was happy to assist Kathleen with her refinance and would love to help you also.

Book a FREE Home Loan Health Check and we'll review your current loan, compare your options, and help you decide if refinancing could save you money or better suit your goals.

Jon Jones
Newy Finance 🏡

Running a business is busy enough... your home loan shouldn't add to the stress.One of the biggest misconceptions I hear...
07/08/2026

Running a business is busy enough... your home loan shouldn't add to the stress.

One of the biggest misconceptions I hear from self-employed clients is:

"Refinancing will be too hard."

The truth is, lending for self-employed borrowers has changed, and so have the options available.

If it's been a while since you've reviewed your home loan, it could be worth checking whether your current loan is still the right fit.

A quick Home Loan Health Check can help you:
✔ Review your current interest rate
✔ Compare lenders that understand self-employed borrowers
✔ Explore ways to improve your cash flow
✔ See if there are better options available

The best part? I'll do as much of the heavy lifting as possible, so you can stay focused on running your business.

If you're self-employed and wondering whether it's worth reviewing your home loan, send me a message. I'd be happy to help.

Jon Jones
Newy Finance 🏡

Address

2 Portside Crescent
Maryville, NSW
2293

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 3pm

Telephone

+61410699969

Website

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