Newcastle mortgage brokers who compare lenders properly
A Newcastle brokerage that compares more than 60 lenders for you, at no cost to you. Fifteen minutes with a broker is usually worth more than a week of comparison sites.
A broker responds within 4 business hours.
What are you looking to do?
No credit check to enquire. No spam, ever.
1,000+
Loans approved
60+
Lenders compared
$0
Cost to you
4x winner
Industry awards
Based in Newcastle since 2015
What a broker actually does for you
A bank can offer you the products that bank sells. We compare more than sixty lenders and put the case for yours — the paperwork, the policy quirks, the lender most likely to say yes to your particular situation.
It costs you nothing. Brokers are paid a commission by the lender that writes the loan, at the same rate whichever lender that is, which is why we have no reason to favour one over another.
We have been doing it from Darby St in Cooks Hill since 2015, and we are still the ones you talk to when something needs sorting three years later.
What we can help with
Every one of these is a different conversation with a lender. Pick the one that sounds like you.
Residential home loans
Buying a place to live in, whether it is your first or your fifth.
First home buyers
The schemes, the deposit, and what you are actually eligible for.
Refinancing
Whether your current rate is still competitive, and what switching really costs.
Property investment
Structure matters more than rate on an investment loan.
Construction loans
Progress payments, valuations, and the timing that trips people up.
SMSF loans
Lending inside a self-managed super fund, where the rules are their own.
How it works
Three steps, and we do the heavy lifting on all of them.
STEP 1
Tell us your situation
A short conversation about your income, deposit and what you are trying to buy.
STEP 2
We compare 60+ lenders
We match your situation against the lenders most likely to say yes, and explain the trade-offs.
STEP 3
We manage the application
Paperwork, lender questions and settlement — handled, with updates along the way.
Broker or straight to the bank?
| Wisebuy | One bank | |
|---|---|---|
| Lenders considered | 60+ | Just theirs |
| Cost to you | Nothing | Nothing |
| Paperwork handled | By us | By you |
| Lenders matched to your situation | Yes | Within their own policy |
| Someone to call | Your broker | Whoever answers |
The people you will actually deal with
Managing Director · CRN 483383
Brad founded Wisebuy in 2015 and hasn’t looked back since. He loves helping his clients achieve their dreams.
Licensed Mortgage Broker · CRN 574037
Whether you’re buying your first home, refinancing or investing, Sarah’s here to make the process smooth and hassle-free.
Licensed Mortgage Broker · CRN 577823
Evie is a versatile lending specialist with experience across home buyers, investors, and trust and company lending.
What our clients say
“Cannot recommend Sarah and the Wisebuy team enough, they explained all our options and assisted us with securing our first home.”
“From start to finish she made what could have been a stressful process feel smooth, straightforward and genuinely enjoyable.”
“My wife and I have used Wisebuy for both of our home loans, and we’ve had an excellent experience each time.”
“Had a really great experience working with Evie Marshall from Wisebuy. She was friendly, easy to deal with, and made the whole process feel simple from start to finish.”
“Thank you so much to Sarah from Wisebuy! She helped me from day one with buying my first home, from getting pre approval to formal approval.”
Local brokers who know this market
We live here. We know which streets flood, which strata reports matter and which lenders are comfortable with a Hunter postcode.
Newcastle Lake Macquarie Maitland Central Coast
Adamstown · Kotara · Merewether · Birmingham Gardens · Merewether Heights · Elermore Vale · Waratah · Charlestown · Maryland · Warabrook · All suburbs
Work it out for yourself first
Repayments Borrowing power Stamp duty Refinance savings Deposit Loan comparison Buying and selling cost
Common questions
The ones people actually ask before they call. If yours is not here, a broker will answer it in the first five minutes.
What does a mortgage broker cost me?
Nothing. We have not charged a client a broker fee in over five years. We are paid a commission by the lender once your loan settles, and if a situation ever called for a fee you would know about it before any work started.
Will enquiring affect my credit score?
No. Talking to us and working out what you could borrow does not touch your credit file. A credit check only happens when you decide to formally apply, and we will tell you before that point.
How long does an application take?
It varies by lender and by how complete the paperwork is when it goes in. We will give you a realistic timeframe for your lender once we know your situation, and keep you posted as it moves.
Which areas do you cover?
Newcastle, Lake Macquarie, Maitland and the Central Coast. There is a page for most suburbs across them, with local median prices on it. If yours is not there yet it makes no difference to what we can do — the pages exist where we had enough local detail to be worth writing down.
What will I need to give you?
Proof of income, proof of identity, and recent statements for anything you already owe. The exact list depends on the lender, so we send you one that matches yours rather than a generic checklist.
What if I decide not to go ahead?
Then nothing happens. You are not locked in at any point before you sign a loan application, and there is no fee for having had the conversation.
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Find out what you could borrow
A couple of minutes now could save you thousands over the life of your loan.
No cost, no obligation. We’re paid by the lender, not by you.