NextGen JC is a mortgage brokerage firm led by finance professionals Jaspreet and Chirag. We provide personalized lending advice and mortgage solutions, moving away from "cookie-cutter" bank products to help Australians achieve their property and financial goals.

Our main office is at 14 Wymar Street, Kellyville Ridge, NSW. We proudly serve clients across Sydney, including Box Hill, Riverstone, Schofields, Parklea, Wentworthville, and Waitara.

No. We offer a free "Discovery Call" to understand your current financial position and goals before moving into the strategy phase.

Yes. We understand that professionals in accounting, law, and medical fields often have stable, high-income trajectories. We work with specific lenders who offer elite products for these professions, including LMI (Lenders Mortgage Insurance) waivers and higher borrowing limits (up to 90-95%).

Tech professionals often have complex income structures (bonuses, stock options). We specialize in presenting your income to lenders in a way that maximizes your borrowing power, which traditional banks may sometimes overlook.

Lenders Mortgage Insurance (LMI) is typically required if you have less than a 20% deposit. However, for certain professionals and high-income earners, we can secure loans where this fee is waived, saving you thousands of dollars.

Yes. We assist with Self-Managed Super Fund (SMSF) lending, allowing you to invest in residential or commercial property using your retirement savings under specific regulatory rules.

Absolutely. We guide first-home buyers through the entire process, including navigating government grants, low-deposit options, and family guarantee structures to help you get into the market sooner.

Yes. We provide flexible vehicle financing (fixed or variable rates) for both personal use and business fleets. We also offer unsecured personal loans for travel, medical expenses, or home renovations.

We offer small business loans to help with cash flow, inventory purchases, equipment upgrades, or growth investments. We also specialize in "Low Doc" loans for self-employed individuals who may not have up-to-date tax returns.

Our process consists of four main stages:

1. Discovery Call: A free initial chat about your needs.

2. Strategy Meeting: We build a custom financial model and lending strategy.

3. Client Onboarding: You provide your details through our secure digital portal.

4. Application & Approval: We handle the paperwork and liaise with lenders on your behalf.

12. Which banks do you work with? We work with a wide panel of lenders, including major banks like Westpac, ANZ, NAB, and Commonwealth Bank, as well as specialized lenders like Bank SA, Heritage Bank, ING, St. George, and Suncorp.

A Self-Managed Superannuation Fund (SMSF) is a fund that allows individuals to manage their own retirement savings. Essentially, you become the trustee of your own superannuation fund, giving you greater control over investments and management, but also increasing your responsibility.

The First HomeOwner Grant (FHOG) is a cash grant designed to help people who have never owned property buy their first home. Every state offers their own buying assistance of the FHOG.

In NSW, $10,000 FHOG is available if you purchase a newly built house, townhouse, apartment, unit not exceeding $600,000 in purchase price OR If you purchase vacant land and sign a building contract not exceeding $750,000 in combined cost. Please visit First Home Owner (New Homes) Grant | Revenue NSW to check the criteria for FHOG.

Negative gearing is a property investment strategy used in Australia where the costs of owning an investment (like mortgage interest, maintenance, and other expenses) exceed the income it generates — typically rent. This results in a net loss, which can then be deducted from your taxable income, reducing your overall tax bill.

Tax benefits: Reduces your taxable income

Capital growth: Investors hope the property’s value increases over time, offsetting the short-term losses

Rental supply: Encourages investment in housing, which can help keep rents competitive

The average return on property in Australia typically combines rental yield and capital growth, and varies by location, property type, and market conditions. Here’s a snapshot of what investors generally see: