Finance Solutions for Every Life Stage

All Your Loan Needs in One Place

A smarter mortgage could save you thousands—
let’s find out if it’s time to switch.

Property Investment

Build long-term wealth through smart property investing, with guidance every step of the way.

Property investment is one of the most powerful strategies for building financial freedom, but it can also be complex, especially if you’re new to the market or still learning how financing works in Australia. Whether you’re starting your investment journey or looking to grow your portfolio, we’re here to help you do it with confidence.

From helping you understand equity and rental yields, to structuring your loan for tax effectiveness, we provide tailored advice and access to a wide range of investment loan options—including loans for those using their Self-Managed Super Fund (SMSF).

We support you by:

  • Assessing your borrowing capacity based on existing assets and income
  • Identifying the right loan structure for investment success
  • Providing access to a wide range of investment lenders
  • Explaining key risks and how to mitigate them
  • Supporting SMSF-compliant property purchases


Let us help you turn your property goals into a portfolio that supports your long-term financial future.

Next home loan

Moving up, downsizing, or relocating? We make the transition smooth with the right finance solution.

Whether you’re upgrading to your forever home, moving for lifestyle or family reasons, or simplifying your living situation, buying your next home is a big decision.

We help make the process seamless by guiding you through the financial side of your move. That includes navigating loan portability, understanding bridging finance (if needed), and helping you sell, buy, and finance with clarity.

Here’s how we help:

  • Review your current loan and equity position
  • Structure a loan that fits your next chapter
  • Support your transition from old home to new
  • Guide you through simultaneous settlement (if applicable)


You focus on the move—we’ll focus on the numbers.

Refinancing

A smarter mortgage could save you thousands— let’s find out if it’s time to switch.

Over time, your financial situation and the market change. Refinancing your home loan is a powerful way to take advantage of lower interest rates, better loan features, or free up equity to fund new goals.

We help you explore your refinancing options, compare offers across multiple lenders, and manage the process end-to-end so you get a better deal without the stress.

We can help you:

  • Lower your interest rate and monthly repayments
  • Consolidate debts into one manageable loan
  • Access equity for investments or renovations
  • Move to a loan with better features (like offset accounts or redraw facilities)


It’s about making your mortgage work harder for you.

Car Loan

Drive away with confidence — car finance made simple.

Buying a car, whether new or used, should be exciting—not stressful. We help you secure car loans with competitive rates, fast approvals, and flexible terms that match your budget and lifestyle.

With access to a wide network of lenders, we simplify the car financing process by comparing your options, helping you choose the right deal, and taking care of the paperwork.

We assist with:

  • Secured and unsecured car loans
  • Pre-approvals so you can shop with confidence
  • Loan options for both personal and business vehicles


Get behind the wheel sooner with the right finance partner.

Personal Loan

Need funds for something important? We’ll help you find a loan that fits.

From home renovations and weddings to education and travel, personal loans can help you make it happen.

We work with you to understand your needs and match you with a loan that aligns with your budget and goals. Whether you need a lump sum or flexible repayment terms, we ensure you get transparent options without hidden fees.

How we help:

  • Quick assessment of your borrowing options
  • Access to competitive personal loan lenders
  • Flexible terms to suit your needs


It’s your life we’re here to support it financially.

Commercial & Asset Finance

Fuel your business growth with tailored finance solutions.

If you’re expanding your business, upgrading equipment, or investing in property, having the right finance partner can make all the difference. We help businesses of all sizes secure the funding they need to grow with confidence.

We provide support for:

  • Commercial property purchases
  • Equipment and vehicle finance
  • Working capital and business expansion loans


We tailor solutions to your business model, cash flow, and growth goals—so you can keep moving forward.

SMSF Loan

Unlock your super’s potential through strategic property investment.

Self-managed super funds (SMSFs) offer a powerful way to grow your retirement savings, especially when investing in property. But SMSF lending is complex and highly regulated, so it’s important to get it right.

We provide expert guidance in navigating SMSF loan structures, lender requirements, and compliance issues to help you make informed, confident decisions.

With our help, you can:

  • Understand SMSF loan eligibility
  • Structure your loan for compliance and efficiency
  • Access lenders that offer SMSF lending solutions


With the right advice, your super could help you build lasting wealth through property.

Refinancing

A smarter mortgage could save you thousands—
let’s find out if it’s time to switch.

Over time, your financial situation and the market change. Refinancing your home loan is a powerful way to take advantage of lower interest rates, better loan features, or free up equity to fund new goals.

We help you explore your refinancing options, compare offers across multiple lenders, and manage the process end-to-end so you get a better deal without the stress.

We can help you:

  • Lower your interest rate and monthly repayments
  • Consolidate debts into one manageable loan
  • Access equity for investments or renovations
  • Move to a loan with better features (like offset accounts or redraw facilities)

It’s about making your mortgage work harder for you

Other Services

What We'll do for you

Listen & Learn

We take time to understand your unique story and goals. Whether buying of first home or building a portfolio, your journey matters, and we’re here to help.

Execute & Deliver

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Research & Recommend

With 60+ lenders at our fingertips, we find the right solutions for you. We analyse many options to present you with competitive loans matching your needs

Review & Optimize

Markets change so do your needs. We proactively review your loan to ensure you get the competitive deal and maximise savings

Refinancing

A smarter mortgage could save you thousands—let’s find out if it’s time to switch.

Over time, your financial situation and the market change. Refinancing your home loan is a powerful way to take advantage of lower interest rates, better loan features, or free up equity to fund new goals.

We help you explore your refinancing options, compare offers across multiple lenders, and manage the process end-to-end so you get a better deal without the stress.

We can help you:

  • Lower your interest rate and monthly repayments
  • Consolidate debts into one manageable loan
  • Access equity for investments or renovations
  • Move to a loan with better features (like offset accounts or redraw facilities)

It’s about making your mortgage work harder for you

We're here to help

Frequently asked questions

Your loan process should be clear, not confusing.
Find the answers you need below. Get in touch.

Does it cost to use New Roots?​

Our service is free for you to use. We’re paid a commission by the lender when your loan settles, so you can focus finding the right loan without worrying about broker fees. Learn more here to contact us with any questions.

Various government grants and assistance programs are available for homebuyers, with different options depending on your location and circumstances. To understand what might be eligible for, book a free consultation.

Refinancing costs typically include discharge fees from your current lender, application fees, and settlement costs. We’ll help you analyse whether the long-term savings outweigh these upfront costs. Contact us for a detailed cost-benefit analysis

While most lenders typically ask for 20% of the property’s value, there are various options available for lower deposits. These might include:

  • Lenders Mortgage Insurance (LMI) for smaller deposits.
  • Different lender requirements

Let’s discuss your situation to find the best pathway for you.

While most lenders typically look for a 20% deposit, we have solutions for various deposit sizes. Some lenders accept smaller deposits with Lenders Mortgage Insurance (LMI), and there are several government grants available. Book a consultation to explore your deposit options.

Your borrowing capacity is the maximum amount lenders can let you borrow based on your income, expenses, and financial commitments. For a quick estimate, try our borrowing calculator. For a comprehensive assessment tailored to your situation, let’s chat.