Investment Property Loans Newcastle

Build long-term wealth with the right investment property loans and expert guidance from Watson Mortgages. We support property investors across Newcastle, Maitland, Singleton and the Central Coast with personalised advice, competitive loan structures, and a free broker service.

Whether you are buying your first investment property or expanding your portfolio, our team helps you secure investment loans that align with your financial goals and investment strategy. Book a free 15-minute Discovery Call and explore what is possible for your next investment.

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Investment Property Loans

Eliminating the confusion around investment property loans

An investment property purchase comes with complexity. Interest rates, loan structures, eligibility criteria, and lender policies all impact how much you pay over the life of the loan.

As experienced brokers specialising in investment property loans in Newcastle, Maitland, Singleton and the Central Coast, we assess your financial situation and compare lenders to identify a suitable investment home loan.

You are not treated like a number. We take the time to understand your loan purpose, cash flow needs, and long-term plans before recommending a solution.

With access to a wide panel of Australian lenders under our Australian Credit Licence, we manage the loan application process and guide you through pre-approval, conditional approval, and final loan approval.

Investment loans explained clearly

Investment loans often differ from owner-occupied loans. Interest rates may be higher, eligibility criteria can be stricter, and loan-to-value ratio requirements vary by lender.

We help you understand how:

Loan amounts are assessed
Value ratio LVR impacts approval and interest
Home loan repayments change over time
Interest repayments affect cash flow.

Our role is to help you choose the right loan structure, not just chase a headline rate.

Why Invest In Property?

Why should I invest in property?

Property remains a popular investment choice for Australians due to its potential for long-term growth and income generation. When paired with the right financing, an investment property can play a key role in building wealth.

Some of the key benefits of investing in property include:

Capital growth: Over time, property values may increase, helping grow your asset base and net worth. Capital growth can support future purchases, lifestyle goals, or portfolio expansion.
Rental income: Rental income can help cover home loan repayments, interest repayments, and other costs associated with owning an investment property. In some cases, rental income may exceed expenses, resulting in a positive contribution to cash flow.
Tax considerations: Depending on your circumstances, you may be able to claim certain expenses, including interest paid on investment loans. Tax outcomes vary and should always be discussed with a qualified adviser.
Less volatility: Property is often considered less volatile than some other investment types. While markets fluctuate, property values tend to move more steadily over the long term.
Tangible asset: An investment property is a physical asset you own and can improve, manage, and control more directly than many other investments.

If your financial situation allows, investing in property may support your broader financial goals. Our role is to ensure the finance used complements your strategy rather than holding it back.

Investment Types

Helping you choose the right investment property loan

Selecting the right structure can significantly affect how much interest you pay and how flexible your loan remains.

Common options include:

Variable-rate investment loans change as market interest rates move. They often allow unlimited additional repayments, offset accounts, and extra repayments, which can reduce the loan balance faster.
Fixed-rate investment loans lock in an initial interest rate for a set period. During the fixed period, repayments stay the same. At the end of the fixed-rate period, the fixed-rate home loan reverts to a variable rate unless it is changed.
Interest-only loans mean you only pay interest for an interest-only period. Interest-only payments can improve short-term cash flow, but they usually result in more interest being paid over the life of the loan.
Principal and interest loans reduce your loan balance over time, typically resulting in less interest paid overall.

We explain how interest-only repayments, only payments, principal and interest repayments, and fixed interest periods affect your long-term position.

"Watson Mortgages has helped us afford a rental property with plans for more”

Contact Watson Mortgages for an obligation-free consultation

Why choose us?

At Watson Mortgages, personalised service is at the core of everything we do. Unlike large banks, which process applications in volume, we take a tailored approach to each client.

You are a name, not a number. We listen to your goals, explain your options clearly, and ensure you understand how each decision affects your money and long-term outcomes.

Our service is completely free to clients. We work for you and are paid by the banks once your loan settles. There is no broker fee to access our advice, research, or ongoing support.

We assist property investors across Newcastle, Maitland, Singleton, and the Central Coast, bringing local market understanding into every recommendation we make.

How we can help you make the most of your investment

Our role extends beyond securing loan approval. We help you structure your finances to support growth, manage risk, and remain flexible.

Our support includes:

Reviewing your financial situation and investment goals
Assessing the loan-to-value ratio and borrowing capacity
Structuring loans to support cash flow
Reviewing property valuations and equity
Coordinating with accountants or advisers where required
Managing the loan application and approval process.

We also provide access to trusted professionals, such as solicitors and building inspectors, to support your investment decision.

"The advice we have received has help set us up for the future.”

FAQs

Frequently asked questions

Where should I be looking to buy for the best return on my new investment property?

We’ve all heard the phrase “location, location, location” when it comes to property investment. We recommend looking into areas where you’re familiar with environmental factors affecting the property value (including the proximity to the CBD), desirable neighbourhoods and popular landmarks, or even the beach. These elements can increase the property’s value.

Look for areas with high growth, higher rental yields, and low vacancy rates. This will ensure you can easily find renters to help bring down your investment property loan in Newcastle.

It would also be valuable to do some preliminary research into proposed planning changes in the near future that may impact property prices for your target market. You want to aim for positive gearing, if possible.

What kind of property should I be looking into for the best ROI?

It’s best to look for properties with appealing features for renters, such as a second or third bathroom, a garage, and locations near facilities like schools, shops, and public transportation.

You’ll also need to consider maintenance costs. How old is the property? Does it require further renovations to be liveable? Are there any potential problems that might arise in the future? These variables will all come into play when choosing the right investment loan for you.

What is rental yield, and why does it matter?

Rental yield measures how much income your property generates as a percentage of the property’s total value. In other words, it is how much you make off your property compared to how much it is worth. There are two types of rental yield, gross and net:

Gross yield is calculated through annual rental income and property value.
Net yield is calculated by including all expenses involved.

Analysing your investment property’s expenses and potential profits is important before investing. It is best to be armed with as much information as possible.

A property’s rental yield will eventually determine your investment’s success, making it one of the most important things to understand. If you achieve a high rental yield, you have more cash to allocate to other investments and contribute to emergency funds and savings accounts. If you achieve a low rental yield, you will likely need to contribute additional funds to your investment to cover the costs.

If you have a high rental yield and want to pay less interest on your mortgage, consider setting up an offset account when establishing your loan.

When is the best time to start my home-buying journey and invest?

There’s no “one size fits all” answer to this question, as it all comes down to “supply and demand”. In line with economic theory, the price of a property grows when demand increases. Properties in areas with a high population density will likely appreciate in value as demand increases. Conversely, if properties are oversupplied in a particular area, prices can decrease.

What additional costs should I consider for an investment property?

A few ongoing costs are involved in owning an investment property, which we will consider when sourcing the right investment loan for you. These include:

Council and water rates
Building insurance
Landlord insurance
Body corporate fees
Land tax
Repairs and maintenance costs
Legal fees
Stamp duty (if applicable)
Searches and inspections (before purchase)
Registration fees (post-purchase)

Before jumping into an investment property, we will take time to analyse your current financial situation and provide recommendations to ensure you can manage these costs while also paying off your loan.

How do I choose an investment home loan?

There are many lenders to choose from, and we understand that it can be challenging to make a confident decision on such a significant investment. The good news is that Watson Mortgages can assist you with this. Based on your current financial situation and property investment goals, we can help find you a reliable lender for your investment.

With 30+ Australian lenders to choose from, our mortgage brokers will do all the legwork for you and provide recommendations and advice at no cost to you.

Do investment loans require a deposit?

Yes. Depending on the lender, loan deposits range between 5% and 20%. This assures the lender that you are committed to your investment and can repay your loan.

If you have less than a 20% deposit, you will likely incur Lenders’ Mortgage Insurance (LMI) on your investment property loan. This is an alternative method of providing reassurance to the lender. This can cost thousands of dollars in addition to stamp duty, but we can provide recommendations and advice on LMI to ensure you get the best possible result from your investment insurance.

What are the tax implications of an investment property?

Various tax implications arise from owning an investment property. Considering these implications and speaking to your financial adviser before investing is important.

You must record all tax-deductible expenses and declare any rental income in your tax returns. According to the ATO, deductible expenses can include maintenance, interest on the investment property’s loan, and other expenses from owning an investment property.

This means that you will pay taxes on your income (including rental). Maintaining thorough records of all these expenses is essential right from the start.

The ATO recommends keeping records right from the start so you can meet tax obligations, work out how to divide income and expenses and pay instalments towards your end-of-year tax liabilities.

How much can I borrow for my investment property?

This depends on many factors, including your annual income (after tax), any other income, living expenses, financial commitments, etc. Based on your current financial situation, we will provide an estimate during your initial appointment.

Can I redraw on my loan if I run low on funds?

It depends on the lender and the type of loan you have committed to, i.e., variable or fixed interest rate. Variable interest rates allow you to pay loan payments in advance (or when you have the funds to do so) and also allow you to withdraw money from the loan. However, if you’re a first-time investor, we recommend choosing a fixed-rate interest loan, as this provides more certainty over budgeting and the regular amount owed.

What happens if I run into financial hardship?

We understand that challenges come along when you least expect them. We primarily assist with securing and obtaining an investment property loan, and repayment management is the lender’s responsibility. However, we offer frequent reviews and support to ensure you can repay your investment property loan to the best of your ability.

If you have any questions about pausing or managing your loan repayments, we’re here to help. Contact the team from Watson Mortgages for the compassionate support you need.

What should I ask my broker?

We’re here to answer all your questions about property investment, credit approval, credit criteria, obtaining an investment loan and growing your wealth. Some common questions we receive include:

Do you offer loans from a wide range of different lenders?
Why did you recommend this loan to me?
What fees will I have to pay when taking out this loan?
What features (options) come with this loan? Can you show me how they work?
Can you show me more options including one with the lowest cost?
What is the threshold for lenders’ mortgage insurance (LMI) and how can I avoid it?
What information do I need to provide for the loan application?

I want to grow my portfolio. Where do I start?

When building wealth, the same rule always applies: whoever has the biggest property portfolio wins.

If you’re looking to build your property portfolio, it always helps to start by making a good investment. A portfolio of 100 or even 1,000 properties starts with one good investment, so start local, start small, and work with an experienced mortgage broker who can guide you in building a successful property portfolio.

At Watson Mortgages, we can provide the guidance you need to build wealth. We’ll provide recommendations and advice to help you achieve your goals, whether you want to own one house, five houses or 100 apartments!

What documents do I need to have ready?

Applying for an investment property loan can be a time-consuming process. To stay ahead of the game, we recommend having the basics ready to streamline the process. Lenders often ask for proof of income, bank statements, ID, and potentially tax returns if you are self-employed.

What other services do you offer?

At Watson Mortgages, we have close contacts with local financial planners, banks, lawyers and many more essential services, meaning you can access holistic service and be set on the path for success.

As well as Watson Mortgages, we also offer services via:

No matter where you are in the investment journey, our group can help you achieve your goals in a simple and cost-effectively.

Can I refinance if interest rates get too high?

Absolutely. We provide ongoing reviews to:

Assess loan repayments and interest rates
Review offset account use
Identify opportunities for additional repayments
Restructure loans as your portfolio grows.

This ensures your loan continues to support your investment strategy over the life of the loan.

Testimonials

Saori

From the beginning till the end, my mortgage journey was smooth and I felt really supported by Broker Nestor. Even small questions and anxious emails, Nestor replied with professional although warm attitude. All the communication was on top of everything, without Watson Mortgages Nestor, I couldn't purchase my first home. Big appreciation for Nestor and definitely would recommend 🙏
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27/11/25

Kate Hernandez

Really happy with the efficiency and friendliness of Gary. Super professional and a calm presence in a hectic season. Highly recommend Watson mortgages.
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17/11/25

Jelinda M

Gary and the team at Watson Mortgages took all the stress and hard work out of refinancing my mortgage. Not only did Gary find me a much better interest rate, he also helped me structure my loan and personal finances to make my money work harder for me. I highly recommend Watson Mortgages for anyone wanting to get a better deal on their mortgage without all the leg work. Gary and the team will take care of everything. They also take the time to ensure you’re well informed along the journey and solutions are tailored to your personal needs.
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11/09/25
Leisa Dolan

Absolutely professional and we were treated like family. I would highly recommend Vikas and Nestor and the Watson Mortgage staff.
Thank you so much for putting us on the tight track for our future and look forward to a bright future
Leisa and Brett
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29/08/25

Gillian Maddock

Nestor from Watson Mortgages is skillful, efficient and professional. We have worked with him over years now and he continues to impress us.
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13/08/25

Rex Maddock

Nestor has always provided excellent service in all respects. Highly recommended. Rex
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13/08/25
Alex Spinks

Nestor from Watson Wealth was fantastic from beginning to end. His knowledge and advice meant that we had confidence and a product that suited us specifically. He and his team were an absolute pleasure to deal with, as always. Highly recommend!
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30/07/25

james baker

Gary from Watson Mortgages has been absolutely outstanding. We are so lucky that he was able as to help us with the purchase of our first home. He will not stop until you have a new home, leveraging his extensive network of contacts and relationships with the banks to get you the best deal that is perfectly suited to your individual circumstances. He was a great source of financial (and moral) support to us and we will always remember how much he helped us at this time in our lives. Top bloke. 100% recommend. Thanks Gary!
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09/07/25

Cloe Evans-Tosiani

My partner and I didn’t have the easiest case nor a lot of time on our side but Gary Gilbert has done wonders for us! We honestly will be recommending him to absolutely everyone and have already started!
We can’t thank him enough.
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01/07/25
Richard Murray

Very helpful. Allowed my wife and I to achieve our goals of buying our first home.
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24/06/25

Kerrie-Anne Bowles

Simple and quick process by Gary and the team. Recommend them highly.
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19/06/25

Alanna Mills

Gary from Watson Wealth helped us navigate the saga that is finding a new home loan lender. We thank him and his team immensely for all their help in finding us a new loan.
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10/06/25
Brittany

I had the pleasure of working alongside Mike in a recent transaction, and I can’t say enough good things about the experience. His communication was top-notch every step of the way—always responsive, clear, and proactive, which made the entire process feel seamless.
It was his dedication, attention to detail, and hard work that truly brought us to the closing finish line. He went above and beyond to make sure everything stayed on track, and it made all the difference. I look forward to working together again and would highly recommend him to any buyer or agent looking for a reliable and professional lender!
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20/05/25

Giverny Chapman

Nestor from Watson Mortgages helped us get out of the rent market and into our dream home. A very knowledgeable gentleman who made us feel comfortable when making the biggest purchase of our lives. Thanks again
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19/05/25

Ky Gladdish

I can't rate Nestor Ramirez highly enough. We went in to selling our house and buying a new house with anxiety and we had no idea what we were doing or what to expect. It took months of us changing our mind going back and forward looking at so many options that Nestor had prepared for us.
He was so calm and so generous with his time and explaining the options he found for us. We were so clueless and really needed someone to guide us through every step and he was there for us.
I honestly don't think we could have done this without him. We really owe him a debt of gratitude.
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13/04/25
Zamir Melamed

My wife and myself recently had the pleasure of working with Watson Mortgages, and specifically with their outstanding broker, Nestor, to secure a mortgage for our new home. From the very first consultation, we were incredibly impressed with Nestor's professionalism, knowledge, and genuine care.
Nestor took the time to thoroughly understand our financial situation and our goals, patiently explaining all the different mortgage options available to us. He was never pushy and always ensured we felt comfortable and informed every step of the way. His expertise in the market was evident, and he was able to find us a fantastic rate and terms that perfectly suited our needs.
The entire process, which can often feel overwhelming, was made incredibly smooth and stress-free thanks to Nestor's proactive communication and meticulous attention to detail. He was always available to answer our questions promptly and kept us updated on the progress of our application. We truly felt like a priority throughout the entire journey.
Beyond his professional skills, Nestor is also a genuinely kind and approachable individual. He made us feel at ease and built a level of trust that we truly appreciated. It was clear that he was invested in helping us achieve our dream of homeownership.
We wholeheartedly recommend Watson Mortgages and, without hesitation, encourage anyone seeking a mortgage to reach out to Nestor. His exceptional service, combined with the reputable support of Watson Mortgages, made for a truly positive and successful experience. Thank you, Nestor and Watson Mortgages, for making our home buying journey so seamless!
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13/04/25

Wei Hung

Mike did a great job. He made the process quick and easy.
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03/04/25

Mollie

Nestor was so helpful and thorough when we were applying for our first home right from the application through to settlement! Really lovely and personable to work with, thanks for your help Nestor!
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30/03/25
samuelpickering

Nestor and the team were fantastic and I highly recommend Watson Mortgages for any brokering needs. Nestor made the process simple and easy to understand which took the stress out of buying and selling.
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04/01/25

Luke Smith

Nestor and the Watson Mortgages team are always great to deal with. We highly recommend Watson Wealth.
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20/07/24

Emma Manuel

Nestor and his team have been incredible. They helped us purchase our block of land and the application of our construction loan. They were so on top of everything and communication was flawless. We highly recommend Nestor & his team!!!!
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27/06/24
Leanne Spierings

Thank You Watson Mortgages for all you help refinancing my property. Nestor Ramirez listen to my needs and wants and found me the lender right for me . Everything went smoothly with a quick settlement. I can highly recommend.
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15/06/24

Katie Farnworth

We couldn't recommend Nestor enough! Nestor made the process of applying for our first home loan as easy to understand as possible! We appreciated his insight, experience and advice as we planned for this big next financial step for my husband and I. We will continue to recommend Nestor to friends and family!
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08/06/24

Hannah Wareham

Nestor went above and beyond to make the borrowing process easy. He communicated regularly, and is very efficient. He is knowledgeable and supported us to get the right loan in a timely matter.
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29/05/24
Aiden Powell

Nestor was able to provide me with excellent home loan advice. His great industry knowledge and personable manner made for an enjoyable experience.
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29/05/24

Andrea Owens

Mike is always on top of things, very professional. Kudos!
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15/05/24

De Lo

Amazing service and help! Thank you so much!
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09/05/24
Erin MD

Nestor went above and beyond to make the borrowing process a smooth. He communicated regularly , is knowledgeable and supported me to get the right loan.
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29/04/24

Andrew Newman

Nestor was a huge help in brokering our loan to buy a house.
He was prompt and professional. He communicated all that we needed to know in a way that helped us understand. … More
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30/03/24

Kyle Barnes

Nestor was my mortgage broker throughout the buying process and I can’t recommend him enough. … More
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30/03/24
Cayle Beveridge

Nestor had excellent communication and guided us through a refinancing process smoothly. Would highly recommend
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29/03/24

phoenix wells

Kirsten's customer service is amazing, i highly recommend her!
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29/03/24

Rosie Eyles

Nestor was extremely helpful and very supportive in our refinancing journey. He was very communicative and kept us well informed the whole process. Highly recommend his services!
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29/03/24
Amy Meredith

Refinanced our home 2020 with Eliot and his team. It was a seamless process and everyone was so very helpful.
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29/02/24

Sim B

A massive “THANK YOU” to Nestor, who I could not recommend highly enough! Not only is he a wealth of knowledge, but Nestor also has the ability to explain complex processes in layman’s terms. He never got frustrated with the endless questions nor made me feel silly for asking. Thank you again for your wonderful, compassionate and caring service! Kind Regards, Simone
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15/02/24

Lach Dolbel

I received confident and very personable advice and service obtaining my loan with Nestor. I would strongly recommend Nestor and the team at Watson to anyone in the hunt for a broker.
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29/01/24
Paul Hill

Watson Mortgages gave us options to move our mortgage and were able to answer any questions and kept us up to date during the process.
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29/01/24

LuAnn Boyd

Mike was awesome, he is very knowledgable. He was very patient with me and all of my questions and always made me feel comfortable. I would highly recommend him to anyone looking to purchase a home.
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09/01/24

Kyle Barnes

Nestor was my mortgage broker throughout the buying process and I can’t recommend him enough. Nestor along with the the entire team are extremely professional and efficient while also being relatable and realistic with what you can expect as a final outcome. He made extremely fast progress organising all the necessary paperwork. And throughout the entire process he went the extra mile to ensure I had the best outcome. In general it really helped streamline the process and remove unnecessary stress. 10/10
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29/12/23
Zari Williams

When I first started looking into the property market and potentially buying a home, the whole process seemed incredibly daunting and overwhelming, that was until I met with Nestor. Right from the onset, he was able to provide me with valuable industry knowledge and insights, and I knew I had a real professional and expert in my corner. Nestor was able to answer all of my endless questions and checked-in on me frequently to see how I was going and if there was anything he could do to help. His service and communication throughout, was truly exceptional. Nestor has made becoming a first-home owner such a special and joyous experience, I wouldn't have wanted anyone else be my side on this journey. A huge thank again to Nestor and the team for everything they have done for me, it is so greatly appreciated and I could've have done this without them. I wouldn't have any hesitation in recommending Nestor to anyone who wants complete professionalism, whilst simultaneously being provided a personalised and individually tailored experience.Thank you again!
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29/12/23

MicroTechEFI

A massive “THANK YOU” to Nestor, who I could not recommend highly enough! Not only is he a wealth of knowledge, but Nestor also has the ability to explain complex processes in layman’s terms. He never got frustrated with the endless questions nor made me feel silly for asking. Thank you again for your wonderful, compassionate and caring service! Kind Regards, Simone
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29/12/23

Brendan Rae

Nestor was great. Nothing was too much trouble and he made the whole process so easy. Would definitely recommend.
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29/12/23
Fay Purr

Nestor and then team at Watson were amazingly kind, communicative and very knowledgeable. Wouldn’t hesitate to recommend them
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29/11/23

Tim Anderson

I have found Watson.mortgages to have expert knowledge in the filed and very helpful with good and clear communication they have done a top job with my finances and would recommend
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29/11/23

John Radvan

I have no hesitation in recommending Nestor as a fantastic mortgage broker. Professional, with excellent communication and advice, everything was smooth from start to finish. Nestor secured us a great loan product that suited our needs, with a reputable lender, and at a fantastic rate. Many thanks to Nestor and the Watson Mortgages team!
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29/10/23
Mitchell Lynn

Super fast closing and wonderful communication.
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03/10/23

Tam

Wonderful experience with a very helpful approach for a first home buyer 👍
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29/09/23

Troy Watson

During our time seeking a mortgage broker, it didn't take us long to see the value in Watson Mortgages. Nestor helped provide us with tailored advice and options available for our budget and life stage. My wife and I highly recommend their service and especially Nestor who provided a friendly face and efficient and reliable information. Flexible meet up times and consistent communication helped make us feel secure in trusting Watson Mortgages.
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29/08/23
Ashleigh Newman

Nestor was so incredibly helpful and easy to work alongside. He was always willing to answer our questions and helped us through every step along the way. We greatly appreciate everything! Thank you!
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29/08/23

Andrew Newman

Nestor was a huge help in brokering our loan to buy a house. He was prompt and professional. He communicated all that we needed to know in a way that helped us understand. Nestor would follow up and check in regularly to see how our house hunt was going and managed a great deal for us in the end. We are so thankful to him and the team at Watson’s. Would highly recommend!
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29/07/23

Alex W

The team at Watson Mortgages were fantastic. They outlined and explained everything very clearly and were more than happy to help with any of our questions. Cannot recommend them enough.
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29/07/23
Matt

Mike is excellent. His professionalism and attention to every detail made the process a great experience. I will use him again in the future and highly recommend him to others.
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23/07/23

Kylie White

Nestor went above and beyond to secure our dream home for us. He was very honest, friendly and professional. I highly recommend Watson Mortgages.
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29/06/23

Sharyn Fraser

We had an amazing experience working with Nestor at Watson Mortgages! My husband and I needed a home loan approval urgently and he got it done quickly and we were able to buy the house of our dreams. Nestor was extremely knowledgeable and helpful throughout the entire process and made sure to explain every step, and answered all of our questions in a timely and professional manner. The end result was a home loan that was tailored to our specific needs with a smooth closing. I highly recommend Nestor to anyone in the market for a home loan. Absolute five star service!
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29/06/23
Anthony Claxton

Nestor was fantastic to deal with every step of the way in securing a loan for our new house, and his regular updates kept us in the loop and our confidence high during the whole process. I would highly recommend Nestor and the team at Watson Mortgages for anyone looking at finance options!
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29/06/23

Brenden Burley

Shout out to Watson Mortgages Mortgage Broker Nestor Ramirez and team. This was the first time ever we have had a near seamless Refinance of our Mortgage. Furthermore Nestor went above and beyond and gave a personal touch updates on our progress and clear information requirements to reduce the notorious back and forth with banks. Would give an extra star just for Nestor. Cheers Watson Mortgages, great experience and I highly recommend them. Brenden & Kylee Burley
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29/06/23

Kirsten Smith

I can’t thank the team enough!!!! After having issues with my car it was time to upgrade. Nestor and the team got my loan pre approved fast and with little effort. When I voiced my limited time and stress around car shopping, I was offered a car sourcing agent who took all my worries and came back to me with options. Fast forward two weeks and my new car was delivered to my door. Watson Mortgages took the stress out of a large purchase, saving me time and getting me a great interest rate. Follow up service has been great also. These guys genuinely care that I’m happy with my purchase. Five stars team. Thank you!
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29/06/23
Amanda Loredo

I would not hesitate to recommend Nestor and the team at Watson Mortgages. They helped us secure our mortgage quickly and with minimum fuss. They provide personalised, friendly service and advice to the highest quality!
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29/06/23

Josh n jade Fellowes

Can't thank the team enough mainly Nestor for going above & beyond to get our higher then normal home loan pushed through with all rate rises happening an still managing a competitive rate! They call you when others wouldn't with updates, have tried other brokers with previous loans an Watson is by far the best!
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29/06/23

Luke nunan

Watson mortgages were fantastic in helping me find a suitable mortgage that suited all my needs. They were always available if I had any questions. I would not hesitate to recommend them to anyone looking for a home loan.
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29/06/23
Marnie Kempster

Nestor was fantastic in helping me purchase my first home. He was always available to answer any of my questions, kept me in the loop with each step and made the whole process easy for me. I would highly recommend Nestor!
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29/06/23

Dominique Woloschyn

Nestor was fantastic to work with. His knowledge of the process, and insight he gave us was unparalleled. We are so thankful for his help and recommend him to everyone!
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29/06/23

Shane Gracie

Nestor has provided me great advice backed up by guidance and knowledge on how to fulfill my financial needs. I highly recommend Nestor.
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29/06/23
Kaitlyn Beith

Watson Mortgages is an absolute pleasure to work with. I couldn't recommend them enough.
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29/06/23

Samantha Estreich

Extremely happy to recommend! One of the best experiences we have had & great results. Thanks!
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29/06/23

Will Lassam

Nestor was professional and listened to our needs. Thank you.
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29/06/23
Renny Lewis

Nestor was exceptional...great communication, kept me updated throughout the entire process.Highly recommend Watson Mortgages
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29/06/23

TIGHTY-WHITY

Hi. My Name is Cameron I would like to thank Nestor and the team for the time and care that was put in to helping us out. It was stress free and a smooth process. The service was professional and will highly recommend to others. Thanks again
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29/06/23

Amanda Vipond

Went through Nestor & Watson Mortgages to get our first Home Loan. They have been super helpful the whole way through and can get things done incredibly fast.
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29/06/23
Rachael Tedesco

Nestor and the team are extremely helpful. Their hands on approach and knowledge really enables the customer to make informed choices about their finances. Highly recommend.
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29/06/23

Ryan Coulin

Nestor and his team were great to deal with and very proactive in changing my loans to another bank. Would use Nestor and Watson Mortgages again.
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29/06/23

mitchell presland

Nestor was great to deal with and always had our goals and situation in mind. Very professional with excellent communication.
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29/06/23
Shadae

I can’t recommend Mike enough! He was amazing and went above and beyond to get us closed. 10/10
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17/05/23

Joanna Hammerstrom

Michael was amazing, even when I was frustrated. He has the patience of a saint. He knows the process and will bring you through with confidence. Highly recommend!
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17/05/23

Russell Terry

Mike Watson has personally funded and helped me to close numerous loans throughout the year, and he has always been a consummate professional. He is communicative, trustworthy, friendly and expedient - as well as a lifelong friend. Thanks Aslan!
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28/04/23
Josh , Jade Joint Acc Fellowes

Can't thank the team enough mainly Nestor for going above & beyond to get our higher then normal home loan pushed through with all rate rises happening an still managing a competitive rate! They call you when others wouldn't with updates, have tried other brokers with previous loans an Watson is by far the best!
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26/04/23

Georgina C

Mike Watson was knowledgeable and helpful in many ways! I always feel well educated on all steps of my closing and what is expected to get my loan closed! He always answers all my questions even if I repeat them! I never feel that I am bothering him! He is always there to help me! We appreciate all that he does for us during our mortgage needs! We will definitely call him again in the future and recommend him to friends and family!
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18/11/22

Susan Corvelli

Mike is great! He is exceptional at communicating where things are in the process and putting things in to terms I can understand. You can tell he cares about his clients. He works hard to get people in to their dream homes!
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16/11/22
Rachael T

Nestor and the team are extremely helpful. Their hands on approach and knowledge really enables the customer to make informed choices about their finances. Highly recommend.
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30/09/22

Dominique Higgins

Nestor was fantastic to work with. His knowledge of the process, and insight he gave us was unparalleled. We are so thankful for his help and recommend him to everyone!
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19/09/22

Lorne Black

Nice fast process that found me better deals than anyone else in town. Couldn’t be happier with the whole thing. Got a great product that fits my means perfectly.
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29/06/22
Aaron Burke

Thanks to Watson Mortgages I was able to refinance and get a better rate plus use some equity to myself buy a new car. Very happy with the service, strongly recommend.
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29/06/22

Mark Hickey

Elliot and his team at Watson Mortgages went above and beyond to sort out the correct financials for our first home. They where always on hand to assist, when we had a question about the process. Thank You, Watson Mortgages for getting my family and I into my first home.
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29/06/22

Glen Blanch

The Team at Watson Mortgages took the time to listen to our requests/situation. They gave professional and pro active advice to ensure that the product we needed was going to do the job and not be over the top expensive. The follow up service is always efficient and friendly. I have no hesitation in recommending Watson Mortgages.
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29/06/22
Blake Burgess

Elliot has an awesome team that care about each of their clients! Nestor did an amazing job with the mortgage & couldn’t recommend highly enough!
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29/06/22

Chris Bradley

Watson Mortages helped me set up my financials and purchase my first house. They have also manage my super fund and have significantly increased its value. I have recently used their mortgage broker to organise a refinance at a much better rate than that advertised. They provide yearly reviews with concise information and flexible meeting times and setups. I have also used their legal professional to set up my will and POE. Overall Watson Mortages provides all the services I have required to set up every facet of my financial and legal situation. They have acted professionally and responsively in all undertakings and I highly recommend their services.
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29/06/22

Speak with our local investment loan specialists today

If you’re considering investment property loans or home equity loans in Newcastle, Maitland, Singleton or the Central Coast, Nestor and Gary are here to help. Contact our team today to book a consultation and move forward with confidence, supported by personalised advice and a free broker service.