Buy Your Dream Home

Newcastle’s Home Loan Experts

As a leading mortgage brokerage in Newcastle, we’re dedicated to guiding you through the maze of home loan options, ensuring you get the most competitive interest rates and terms tailored to your unique needs.

At Castle Finance, we offer a personalised service, understanding your financial situation and goals to connect you with the best home loan options. Our extensive network of lenders and in-depth knowledge of the latest market trends ensure you receive the most advantageous deals. Read more about how a mortgage broker can help you below:

Why we’re better than the banks.

  • One of the biggest benefits of using a mortgage broker is their access to a wide range of lenders. Brokers work with multiple lenders and can help you find the best loan options for your specific needs and financial situation. This means you won't have to spend time researching and comparing different lenders on your own. Additionally, brokers may have access to exclusive deals and rates that you wouldn't be able to find on your own.

  • Another benefit of using a Castle Finance broker is their expertise and guidance throughout the home loan process. Our Brokers can help you understand the different types of loans available, explain the terms and conditions of each loan, and guide you through the application and approval process. They can also help you navigate any challenges or obstacles that may arise during the process, such as credit issues or appraisal problems. With a broker on your side, you can feel confident that you have a knowledgeable and experienced professional helping you every step of the way.

  • One of the biggest benefits of using a Castle Finance Broker for your home loan is the time-saving convenience they provide. Instead of spending hours researching different lenders and loan options, our brokers do the legwork for you. They have access to a wide range of lenders and loan products, and can quickly narrow down your options based on your specific needs and financial situation. This can save you valuable time and energy, allowing you to focus on other important aspects of the home buying process.

  • Another major benefit of using a mortgage broker for your home loan is the potential cost savings. Our brokers have access to a wide range of lenders and loan products, which means they can often find you a better deal than you could on your own. They can also negotiate on your behalf to get you the best possible interest rate and terms. In addition, brokers may be able to help you avoid costly mistakes, such as choosing a loan with hidden fees or penalties. All of these factors can add up to significant cost savings over the life of your loan.

  • When you work with a Newcastle mortgage broker, you can expect personalised service and support throughout the home loan process. Castle Finance Brokers will take the time to understand your unique financial situation and goals, and can help you find a loan that fits your needs. They can also answer any questions you have about the process, and provide guidance and support as needed. This level of personalised service can help make the home loan process less stressful and more manageable.

Get a better rate on your home loan

Refinancing Your Home Loan

Refinancing can be a strategic move to access better interest rates or more favourable loan terms. At Castle Finance, we evaluate your current loan and financial goals to determine if refinancing is the right step for you. We then navigate the plethora of options to find a refinancing solution that aligns with your objectives.

Fixed rate ending soon?

Get a Home Loan Health Check

In less than 60 seconds, our home loan health check calculator can reveal how much you could save by switching to a more advantageous loan. Simply input details about your current lender, your loan, and a bit about yourself, and our calculator will provide a comprehensive score along with an estimated savings amount.

Our Home Loan Products

Home Loan Options

Fixed-Rate Home Loans: Ideal for those who prefer stability and predictability in repayments.

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Variable Rate Home Loans: Offers flexibility and the possibility to benefit from lower rates when the market fluctuates.

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Interest-Only Home Loans: Suitable for investors looking to maximise cash flow.

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Low-Deposit Home Loans: Designed for those who are ready to buy but have a smaller deposit. Often used by first home buyers.

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The Castle Finance differece

Why Castle Finance?

Personalised Service: Every client is unique, and so are their home loan needs. We offer bespoke solutions, ensuring that the loan you choose fits your specific circumstances.

Expert Guidance: Our team of experienced mortgage brokers is equipped with the knowledge to guide you through every step of the home loan process.

Wide Range of Options: With access to an extensive range of home loan products from various lenders, we ensure you have plenty of options to choose from.

Streamlined Process: We handle all the paperwork and liaise with lenders, making the process hassle-free for you.

Long-Term Support: Our relationship doesn’t end with the loan approval. We offer ongoing support to ensure your home loan continues to meet your needs over time.

Get Expert Home Loan Advice From Castle Finance

I want to buy an investment

I want to buy a home

I’m considering refinancing

Calculators

Use our home loan calculators to find out how much you could save.

Planning to buy a home? Our home loan calculators are designed to simplify the process and provide you with valuable insights into your mortgage options. Whether you're a first-time buyer or looking to refinance, our calculators can help you estimate your borrowing capacity, monthly repayments, and more.

Home Loan Health Check

Borrowing Capacity Calculator

Home loan advice

What you need to know before you buy a property.

Buying a property is a significant decision that requires careful consideration and planning. Whether you're a first-time buyer or an experienced investor, being well-informed is crucial. This page provides essential information to consider before making a property purchase.

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Pre-Approval

Loan pre-approval gives you a clear idea of how much you can borrow and shows sellers that you are a serious buyer. It involves a preliminary assessment by a lender of your borrowing capacity.

Pre-approval can streamline the property buying process. It helps you focus on properties within your budget and can give you an edge in competitive buying situations.

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Assessing Your Financial Health

Your credit score and financial history play a pivotal role in determining your eligibility for a home loan. A higher credit score can lead to better interest rates and terms. Ensure your credit history is in good standing before applying for a loan.

Lenders will assess your income and employment history to determine your ability to repay the loan. Consistent income and stable employment are key factors in securing a favourable home loan.

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Understanding Home Loan Options

Familiarise yourself with different types of home loans, such as fixed-rate, variable-rate, and interest-only loans. Each type has its advantages and disadvantages, depending on your financial situation and goals.

Consider loan features that might be beneficial, like offset accounts, redraw facilities, and flexible repayment options. These features can offer more control over your loan and potential savings.

Compare & save on your mortgage

Get access to 30+ leading lenders & get the best home loan interest rates

Securing a home loan with the best interest rate is crucial. We constantly monitor the market to ensure our clients get the most competitive rates. Our relationships with various lenders allow us to negotiate rates that might not be readily available to individual borrowers.

Customer Testimonials

See what our clients have to say.

Get In Touch Today

Are you ready to make borrowing simple?

Get in touch with our team of local home loan experts today to organise chat about how we can help you finance your dreams and make borrowing simple.