A mortgage broker for Newcastle borrowers, on a national lender panel.
A mortgage broker for Newcastle, Lake Macquarie and the Hunter, covering home loans, refinancing, investment loans and borrowing inside super. It all runs over video and phone. There is no office in NSW, and it makes no difference to the loan you end up with — the lender panel is national and so is the pricing.
How it works if you’re in Newcastle.
Every meeting happens over video or the phone. You upload your documents securely, sign everything online, and we lodge it to the lender electronically. Being in the same room has never once made a lender go faster.
A typical Newcastle job takes three conversations. A first call to work out what you earn and what you are after. A working session to go through the lender options. Then a walk-through of what we are lodging, and email updates until it settles.
Hours run 8am to 7pm AEST. Slots stay open outside the standard 9-to-5 for clients who can only talk at the end of the day.
Virtual broking, with a national lender panel.
The practice operates from Docklands, Melbourne. There is no Hunter Street office, no plan to open one, and no Newcastle borrower has needed one in years. Newcastle owner-occupier and investment files are submitted, priced and assessed on the same lender policies as a Melbourne file.
Newcastle has increasingly become a Sydney-overflow market. Many files start with a Sydney mortgage being unwound and a Hunter property being financed in its place. The panel handles both ends.
- The same 50+ lenders.
- The same broker the whole way through.
- Nothing to pay us on a normal home loan.
- The same Credit Guide before anything is lodged.
Loans we arrange in Newcastle.
Owner-occupied home loans
Variable, fixed, split, offset. Newcastle owner-occupier files commonly fall between $500k and $900k depending on suburb belt.
Refinancing
Rate review, cashback offers where available, equity release, debt consolidation. Hunter mortgages older than two years are usually above market.
First home buyer loans
Federal First Home Guarantee scheme and NSW state assistance. Common in Maitland and the outer Hunter.
Investment property loans
Interest-only or paying it down, and how to line up more than one loan. Hunter clients often buy interstate in Brisbane and SE Queensland on the same panel.
Commercial property loans
Owner-occupier commercial and investment commercial. Hunter self-employed clients with stable cash flow are the typical fit.
SMSF property loans
Residential and commercial LRBAs through specialist SMSF lenders. Hunter trustees treated identically to Melbourne files.
Construction and bridging
Progress draws, end debt, short-term bridging. Useful for Sydney-to-Newcastle relocators bridging between settlements.
Car and personal loans
From the same panel of lenders, when it stacks up. Less common than home loans, but we do it.
The lenders we compare.
50+ lenders via Outsource Financial. The six listed are the lenders we send the most volume to. SMSF-specialist lenders sit on a smaller, more cautious panel. Lender selection depends on credit profile, loan-to-value ratio and loan purpose, not on broker postcode.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
The loans we see most often.
Hunter loan sizes typically run lower than Sydney and broadly in line with mid-tier Melbourne suburbs. Owner-occupier files in Cooks Hill, Bar Beach, Merewether and The Junction sit at the upper end. Lake Macquarie and Maitland files sit lower.
Sydney relocators are a big group. Many files involve a Sydney property being sold or rented out and a Hunter property being financed in its place. The structure conversation usually runs at the same time as the loan conversation.
Refinancing volume is meaningful across the Hunter. Hunter mortgages held more than two years are very often above market, both because rates have moved and because retention pricing inside the major banks rewards the inattentive borrower in the opposite direction.
Borrowing inside super, and what we get paid.
Both halves, for Hunter trustees.
30+ SMSF loans written. Hunter trustees access the whole SMSF loan, start to finish and, where relevant, related financial planning under one adviser. Coordinated with the trustee's accountant.
Nothing to pay on a home loan.
The lender pays us when the loan settles. It is all set out in the Credit Guide before we lodge anything. Commercial and SMSF work can carry a fee, and if it does we agree it with you in writing before we start.
What people in Newcastle ask first.
Keep reading
- All broking servicesThe main page — every kind of loan, all of Australia.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, how much to borrow, portfolio sequencing.
- SMSF property lendingLRBAs and specialist lenders for Hunter trustees.
- Newcastle financial plannerVirtual financial planning across the Hunter.
- Newcastle buyer's agentInner Newcastle, Lake Macquarie, Hunter Valley.
Start with a free first call.
Just a conversation. What you earn, what you have saved, and the place you have got your eye on if there is one. The same call Newcastle clients have been having with us for years.