Joshua Beniston
@joshuabeniston.com
Mortgage Broker, finance guy, based in Sydney Australia. Over 23 years of experience dealing with some of Australia’s wealthiest families.
RBA ANNOUNCEMENT – Stay tuned for your video update coming after 2.30pm, for all my clients, you will also get an email update automatically as normal.
#HomeLoans #MoreThanTheRate #LenderPolicies #MortgageTips #BrokerSupport #FinancialGoals
#HomeLoans #MoreThanTheRate #LenderPolicies #MortgageTips #BrokerSupport #FinancialGoals
February 2, 2026 at 9:00 PM
RBA ANNOUNCEMENT – Stay tuned for your video update coming after 2.30pm, for all my clients, you will also get an email update automatically as normal.
#HomeLoans #MoreThanTheRate #LenderPolicies #MortgageTips #BrokerSupport #FinancialGoals
#HomeLoans #MoreThanTheRate #LenderPolicies #MortgageTips #BrokerSupport #FinancialGoals
End-of-month prompt: take 10 minutes to review your home loan—current rate, fees, offset balance, and your 2026 goal. Small tweaks compound over years. If you’d like a quick review framework, DM me. — Newstart Financial Solutions
January 29, 2026 at 8:44 PM
End-of-month prompt: take 10 minutes to review your home loan—current rate, fees, offset balance, and your 2026 goal. Small tweaks compound over years. If you’d like a quick review framework, DM me. — Newstart Financial Solutions
Rate movements get headlines, but your plan matters more. If rates rise or fall, do you: keep repayments the same to pay off faster, or reduce repayments to free cashflow? There’s no one-size-fits-all. If you want to run scenarios, message me. — Newstart Financial Solutions
January 28, 2026 at 8:43 PM
Rate movements get headlines, but your plan matters more. If rates rise or fall, do you: keep repayments the same to pay off faster, or reduce repayments to free cashflow? There’s no one-size-fits-all. If you want to run scenarios, message me. — Newstart Financial Solutions
LMI (mortgage insurance) isn’t ‘wasted money’ in every case. Sometimes it’s a bridge into the market sooner; sometimes it’s avoidable with a different strategy. Compare the cost vs the benefit of waiting. Unsure? Ask. — Newstart Financial Solutions
January 27, 2026 at 8:43 PM
LMI (mortgage insurance) isn’t ‘wasted money’ in every case. Sometimes it’s a bridge into the market sooner; sometimes it’s avoidable with a different strategy. Compare the cost vs the benefit of waiting. Unsure? Ask. — Newstart Financial Solutions
Renovating? Refinancing for renos can work well, but timing matters: quotes, valuations, and how lenders treat ‘as-is’ vs ‘as-complete’. A clear budget + contingency saves headaches. Want to sanity-check the approach? DM me. — Newstart Financial Solutions
January 26, 2026 at 8:42 PM
Renovating? Refinancing for renos can work well, but timing matters: quotes, valuations, and how lenders treat ‘as-is’ vs ‘as-complete’. A clear budget + contingency saves headaches. Want to sanity-check the approach? DM me. — Newstart Financial Solutions
Investment property loans: structure depends on cashflow, future plans, and lender policy (get advice tailored to you). Small choices—IO vs P&I, offset vs redraw—add up. If you’re considering investing, let’s chat. — Newstart Financial Solutions
January 25, 2026 at 8:41 PM
Investment property loans: structure depends on cashflow, future plans, and lender policy (get advice tailored to you). Small choices—IO vs P&I, offset vs redraw—add up. If you’re considering investing, let’s chat. — Newstart Financial Solutions
Loan health check: if your repayment feels ‘tight’ lately, look at (1) rate, (2) loan term remaining, (3) whether you’re on principal+interest vs interest-only, and (4) your buffers. Happy to help you map options without the jargon. — Newstart Financial Solutions
January 22, 2026 at 8:41 PM
Loan health check: if your repayment feels ‘tight’ lately, look at (1) rate, (2) loan term remaining, (3) whether you’re on principal+interest vs interest-only, and (4) your buffers. Happy to help you map options without the jargon. — Newstart Financial Solutions
Open homes can be emotional. A quick ‘due diligence’ routine helps: building/pest timing, strata report (if applicable), recent comparable sales, and conditions on finance. What’s your biggest question about buying right now? — Newstart Financial Solutions
January 21, 2026 at 8:40 PM
Open homes can be emotional. A quick ‘due diligence’ routine helps: building/pest timing, strata report (if applicable), recent comparable sales, and conditions on finance. What’s your biggest question about buying right now? — Newstart Financial Solutions
Understanding Home Loan Features: Offset Accounts, Redraw, Fixed vs Variable Explained
Choosing a home loan involves more than just finding the lowest interest rate; factors like loan structure and features impact long-term financial goals. This guide examines common home loan options in…
Choosing a home loan involves more than just finding the lowest interest rate; factors like loan structure and features impact long-term financial goals. This guide examines common home loan options in…
Understanding Home Loan Features: Offset Accounts, Redraw, Fixed vs Variable Explained
Choosing a home loan involves more than just finding the lowest interest rate; factors like loan structure and features impact long-term financial goals. This guide examines common home loan options in Australia, including offset accounts and redraw facilities, highlighting their benefits, drawbacks, and suitability for different borrower types.
propertyfinancebroker.com
January 21, 2026 at 12:22 AM
Understanding Home Loan Features: Offset Accounts, Redraw, Fixed vs Variable Explained
Choosing a home loan involves more than just finding the lowest interest rate; factors like loan structure and features impact long-term financial goals. This guide examines common home loan options in…
Choosing a home loan involves more than just finding the lowest interest rate; factors like loan structure and features impact long-term financial goals. This guide examines common home loan options in…
Offset accounts: small habit, big impact. Parking your salary in offset even for a few days each pay cycle can reduce interest without changing your repayment. It’s not glamorous, but it works. Want a simple setup idea? Ask me. — Newstart Financial Solutions
January 20, 2026 at 8:39 PM
Offset accounts: small habit, big impact. Parking your salary in offset even for a few days each pay cycle can reduce interest without changing your repayment. It’s not glamorous, but it works. Want a simple setup idea? Ask me. — Newstart Financial Solutions
Pre-approval isn’t just a number—it’s a plan. The strongest ones reflect verified income/expenses, realistic living costs, and a buffer. It can also speed up offers when you find the right place. Need a checklist? DM me. — Newstart Financial Solutions
January 19, 2026 at 8:38 PM
Pre-approval isn’t just a number—it’s a plan. The strongest ones reflect verified income/expenses, realistic living costs, and a buffer. It can also speed up offers when you find the right place. Need a checklist? DM me. — Newstart Financial Solutions
🔍 Your Financial Journey
"No two clients are the same—and that’s the beauty of my work. My job is to find the perfect lender for YOUR unique needs. Just call me your mortgage matchmaker! Let’s chat!"
#TailoredSolutions #YourJourneyYourWay #BrokerSupport
"No two clients are the same—and that’s the beauty of my work. My job is to find the perfect lender for YOUR unique needs. Just call me your mortgage matchmaker! Let’s chat!"
#TailoredSolutions #YourJourneyYourWay #BrokerSupport
January 19, 2026 at 8:22 PM
🔍 Your Financial Journey
"No two clients are the same—and that’s the beauty of my work. My job is to find the perfect lender for YOUR unique needs. Just call me your mortgage matchmaker! Let’s chat!"
#TailoredSolutions #YourJourneyYourWay #BrokerSupport
"No two clients are the same—and that’s the beauty of my work. My job is to find the perfect lender for YOUR unique needs. Just call me your mortgage matchmaker! Let’s chat!"
#TailoredSolutions #YourJourneyYourWay #BrokerSupport
Thinking refinance? Check for ‘break costs’ if you’re on a fixed rate, and ask what happens to your offset/redraw when you switch. Surprises here are common. If you want help working out the trade-offs, reach out. — Newstart Financial Solutions
January 18, 2026 at 8:38 PM
Thinking refinance? Check for ‘break costs’ if you’re on a fixed rate, and ask what happens to your offset/redraw when you switch. Surprises here are common. If you want help working out the trade-offs, reach out. — Newstart Financial Solutions
Fixed, variable, or split? The best choice usually matches your risk comfort + cashflow. Fixed can buy certainty; variable can buy flexibility. Splitting can hedge both. If you’re weighing options for 2026, I’m happy to talk it through. — Newstart Financial Solutions
January 15, 2026 at 8:37 PM
Fixed, variable, or split? The best choice usually matches your risk comfort + cashflow. Fixed can buy certainty; variable can buy flexibility. Splitting can hedge both. If you’re weighing options for 2026, I’m happy to talk it through. — Newstart Financial Solutions
Australian property market tip: don’t just watch headline prices. Look at days on market, vendor discounts, and stock levels in your suburb—these change faster than national averages. If you want help interpreting what you’re seeing, message me. — Newstart Financial Solutions
January 14, 2026 at 8:36 PM
Australian property market tip: don’t just watch headline prices. Look at days on market, vendor discounts, and stock levels in your suburb—these change faster than national averages. If you want help interpreting what you’re seeing, message me. — Newstart Financial Solutions
Essential Guide to First Home Buyer Loans in Australia
Buying your first home in Australia is a major financial decision that can be daunting due to rising prices and complex lending rules. First home buyer loans, tailored with government incentives, can simplify the process. Utilizing a mortgage…
Buying your first home in Australia is a major financial decision that can be daunting due to rising prices and complex lending rules. First home buyer loans, tailored with government incentives, can simplify the process. Utilizing a mortgage…
Essential Guide to First Home Buyer Loans in Australia
Buying your first home in Australia is a major financial decision that can be daunting due to rising prices and complex lending rules. First home buyer loans, tailored with government incentives, can simplify the process. Utilizing a mortgage broker provides broader access to options, ensuring strategic decisions for long-term financial stability.
propertyfinancebroker.com
January 14, 2026 at 1:37 AM
Essential Guide to First Home Buyer Loans in Australia
Buying your first home in Australia is a major financial decision that can be daunting due to rising prices and complex lending rules. First home buyer loans, tailored with government incentives, can simplify the process. Utilizing a mortgage…
Buying your first home in Australia is a major financial decision that can be daunting due to rising prices and complex lending rules. First home buyer loans, tailored with government incentives, can simplify the process. Utilizing a mortgage…
Buying a property soon? Before you fall in love with a listing, run the ‘boring numbers’: repayments at +1–2% higher rates, strata/body corp, insurance, and a buffer for surprises. It makes the fun part less stressful. Questions welcome. — Newstart Financial Solutions
January 13, 2026 at 8:35 PM
Buying a property soon? Before you fall in love with a listing, run the ‘boring numbers’: repayments at +1–2% higher rates, strata/body corp, insurance, and a buffer for surprises. It makes the fun part less stressful. Questions welcome. — Newstart Financial Solutions
Mortgage review idea: once a year, check 3 things—rate, features you actually use (offset/redraw), and your goals (pay off sooner vs invest). Loans drift over time. If you’re unsure what to compare, happy to point you in the right direction. — Newstart Financial Solutions
January 12, 2026 at 8:34 PM
Mortgage review idea: once a year, check 3 things—rate, features you actually use (offset/redraw), and your goals (pay off sooner vs invest). Loans drift over time. If you’re unsure what to compare, happy to point you in the right direction. — Newstart Financial Solutions
Refinancing isn’t just chasing the lowest rate. Ask: what’s the total cost (fees, cashback conditions, offset access, redraw rules)? A 0.2% drop can be wiped out by the wrong features. Want a quick sense-check? DM me. — Newstart Financial Solutions
January 11, 2026 at 8:10 PM
Refinancing isn’t just chasing the lowest rate. Ask: what’s the total cost (fees, cashback conditions, offset access, redraw rules)? A 0.2% drop can be wiped out by the wrong features. Want a quick sense-check? DM me. — Newstart Financial Solutions
With access to a wide range of lenders, I can help you:
✅ Compare car loan options (not just the one your dealer offers)
✅ Find competitive rates and flexible loan structures
✅ Choose a repayment that fits your lifestyle and your other goals
#LoansMadeEasy #HereToHelp
✅ Compare car loan options (not just the one your dealer offers)
✅ Find competitive rates and flexible loan structures
✅ Choose a repayment that fits your lifestyle and your other goals
#LoansMadeEasy #HereToHelp
January 5, 2026 at 11:08 PM
With access to a wide range of lenders, I can help you:
✅ Compare car loan options (not just the one your dealer offers)
✅ Find competitive rates and flexible loan structures
✅ Choose a repayment that fits your lifestyle and your other goals
#LoansMadeEasy #HereToHelp
✅ Compare car loan options (not just the one your dealer offers)
✅ Find competitive rates and flexible loan structures
✅ Choose a repayment that fits your lifestyle and your other goals
#LoansMadeEasy #HereToHelp
Social media can be a slow grind but with consistency and patience it slowly builds #socialmedia #broking #mortgages #rates
January 2, 2026 at 5:02 AM
Social media can be a slow grind but with consistency and patience it slowly builds #socialmedia #broking #mortgages #rates
🎅 “Broker My Christmas Wish!”
Dear Santa, I’ve been good this year. All I want is:
🎁 A lower rate.
🎁 Better repayments.
🎁 A new home.
Whatever’s on your wish list, let’s make it happen before the year wraps up. Ready to tick one off?
#mortgagebroker #loanoptions #propertydreams #holidaygoals
Dear Santa, I’ve been good this year. All I want is:
🎁 A lower rate.
🎁 Better repayments.
🎁 A new home.
Whatever’s on your wish list, let’s make it happen before the year wraps up. Ready to tick one off?
#mortgagebroker #loanoptions #propertydreams #holidaygoals
December 17, 2025 at 8:11 PM
🎅 “Broker My Christmas Wish!”
Dear Santa, I’ve been good this year. All I want is:
🎁 A lower rate.
🎁 Better repayments.
🎁 A new home.
Whatever’s on your wish list, let’s make it happen before the year wraps up. Ready to tick one off?
#mortgagebroker #loanoptions #propertydreams #holidaygoals
Dear Santa, I’ve been good this year. All I want is:
🎁 A lower rate.
🎁 Better repayments.
🎁 A new home.
Whatever’s on your wish list, let’s make it happen before the year wraps up. Ready to tick one off?
#mortgagebroker #loanoptions #propertydreams #holidaygoals
🙅♂️ “Loan Declined? Computer say no!” A loan rejection isn't the end—it's just a detour.
🚧 With access to over 60 lenders, it’s our job to find the right fit for your unique situation. Let's turn that 'no' into a 'yes'!
#homeloanhelp #mortgagebroker #loanapproval
🚧 With access to over 60 lenders, it’s our job to find the right fit for your unique situation. Let's turn that 'no' into a 'yes'!
#homeloanhelp #mortgagebroker #loanapproval
December 7, 2025 at 10:28 PM
🙅♂️ “Loan Declined? Computer say no!” A loan rejection isn't the end—it's just a detour.
🚧 With access to over 60 lenders, it’s our job to find the right fit for your unique situation. Let's turn that 'no' into a 'yes'!
#homeloanhelp #mortgagebroker #loanapproval
🚧 With access to over 60 lenders, it’s our job to find the right fit for your unique situation. Let's turn that 'no' into a 'yes'!
#homeloanhelp #mortgagebroker #loanapproval
🌱 Reminder – Check Your Credit Report
#creditcheck #creditscore #homeloan #mortgage #lending #finance #creditimpaired #mortgagebroker #LoanSolutions #MortgageBrokerSuccess
#creditcheck #creditscore #homeloan #mortgage #lending #finance #creditimpaired #mortgagebroker #LoanSolutions #MortgageBrokerSuccess
November 26, 2025 at 8:28 PM
🌱 Reminder – Check Your Credit Report
#creditcheck #creditscore #homeloan #mortgage #lending #finance #creditimpaired #mortgagebroker #LoanSolutions #MortgageBrokerSuccess
#creditcheck #creditscore #homeloan #mortgage #lending #finance #creditimpaired #mortgagebroker #LoanSolutions #MortgageBrokerSuccess