Testimonials - Newcastle | Watson Mortgages

Kitty Winning

We recently used Watson Mortgages to refinance and had a great experience working with Nestor. He took the time to understand what we were looking for and quickly found the most suitable options with competitive rates, always keeping our long-term goals in mind.
The whole process was straightforward, and Nestor was always available to answer questions and provide updates along the way. We'd happily recommend Watson Mortgages to anyone looking for a knowledgeable and supportive mortgage broker.
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14/07/26

Felicity Keogh

Gary was fantastic to work with throughout the entire mortgage process. He was knowledgeable, responsive and took the time to explain everything clearly. He worked hard to find us the best loan for our situation and kept us informed every step of the way. I highly recommend Gary to anyone looking for a reliable and trustworthy mortgage broker and grateful for all he has done for us!
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13/07/26

Zach Spinks

Gary service was excellent from start to finish. The whole home loan process was smooth, communication was great, and everything was explained clearly. Highly recommend to anyone looking for a reliable mortgage broker
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13/07/26
vic madelaine

Fantastic team, really wonderful to work with, very informative and helpful. Also just lovely people which is a bonus 🙂
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04/07/26

Jeffrey Flaherty

Gary and the team were great to deal with. Professional, dedicated and very responsive. Thanks guys!
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01/06/26

Shane Donoghue

My experience with Gary from Watson Mortgages was excellent from start to finish.
Gary is very knowledgeable and all questions were answered in detail.
I found Gary to be very professional and patient and willing to work around my work schedule. A great experience overall.
Shane
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27/05/26
Craig Aaltonen

I've had 5 brokers over the years and there will not be 6 Gary has been hands down the best service by far I have had from any broker.
I made a few late changes from rent to sell throwing a genuine curve ball and not a beat was missed even while i was working and buying interstate with all loans sorted in an amazing time frame.
I generally would not refer services to family fearing a different experience however I have in this instance and they are experiencing the same result after trying times with another broker from lack of detail on the brokers behalf.
Accessible, efficient and genuinely a good human.
Could not recommend more.
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26/05/26

Ashley Bell

We recently refinanced our home and had a really great experience from start to finish. Everything was made simple and stress-free, questions were always answered quickly, meetings were organised easily, and communication the whole way through was excellent.
Nestor took the time to understand our situation properly and found us the best option available, which we really appreciated. Nothing ever felt like too much trouble and he was always friendly, approachable, and happy to help.
Nestor and his team made what could have been a confusing process feel easy and straightforward. Would absolutely recommend to anyone looking for a mortgage broker who genuinely looks after their clients.
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25/05/26

Kirsty Watson

Couldn’t recommend Nestor more highly! He was patient, supportive, and explained every step so clearly. He made the whole process smooth, stress-free, and easy to understand.
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06/05/26
Nicole Prioste

Nestor was extremely helpful in securing our refinancing loan so we can complete much needed renos on our home. We are a very busy family and extremely time poor and his support throughout the process was fantastic. Definitely recommend Watson Mortgages.
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09/04/26

Peter Dickson

Gary from Watson Mortgages was fantastic to work with.
He invested his time and effort in finding us the best deal that worked for my wife and I.
Highly recommended Gary and the team at Watson Mortgages.
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08/04/26

Jacob Thompson

The team at Watson recently assisted me with the refinancing of my personal residence. Overall, it was a highly positive experience.
As is often the case with complex processes, there were a few minor challenges and unforeseen issues that arose. Fortunately, Gary provided invaluable support and guidance throughout each stage of the process.
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08/04/26
S Ginn

Highly recommended Gary when it comes to refinancing. Nothing was a problem and he handled everything. Ill definitely utilise his service again in the future.
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03/04/26

Bernice Campbell

Nestor from Watson mortgages provided a high level of service. He worked throughly to find a good mortgage product with good rates to fit my circumstance. Highly recommended.
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26/03/26

Liza Katsoolis

We recently refinanced our mortgage with Nestor at Watson Mortgages, and I’m super grateful for how he handled everything. He kept me in the loop the whole time, never left me wondering what was next. Nestor went above and beyond to get us exactly what we wanted in the loan, even when things got a bit tricky. The support from the Watson Mortgages team has been fantastic - quick to respond, friendly, and genuinely helpful from start to finish. Highly recommend Nestor and Watson Mortgages if you’re looking for a smooth, no-stress refinance. Thanks a ton, Nestor!
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26/03/26
Kristi Stevens

We honestly can’t thank Gary Gilbert from Watson Mortgages enough for everything he did for us.
This was a really stressful time for us—trying to secure finance, purchase a large rural block with extra restrictions, and sell our home privately all at once. On top of that, we’re self-employed, so our situation wasn’t straightforward at all.
But he just took it all in his stride and worked through every obstacle without ever making it feel overwhelming.
One of the biggest things that helped us early on was how Gary sat down and crunched the numbers before we even got into the nitty gritty. That gave us a clear understanding of what we could realistically spend when purchasing, which made a huge difference and gave us confidence moving forward.
Throughout the whole process, he was always there—keeping things moving, answering our questions, and making sure we were never left in the dark. Having him as our single point of contact made everything so much easier and took a lot of the pressure off us.
We also sold our home privately, and looking back, the only thing we would have done differently is pass potential buyers onto Gary. One of the biggest challenges we faced was buyers struggling to get finance—something Gary is clearly very good at navigating.
Gary genuinely cares about his clients and goes above and beyond to get the best outcome. He didn’t just do his job—he supported us through a really big and stressful life moment, and for that we’re incredibly grateful.
We couldn’t recommend Gary Gilbert and the team at Watson Mortgages more highly.
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25/03/26

Tegan Paige

I have nothing but good things to say about Watson Mortgages and in particular, Nestor my broker. Nothing was too much trouble and they were always available when I needed something clarified or wanted some additional information. I have no hesitation in recommending them.
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13/03/26

Jason Piper

We had a great experience👍
With in 2 months, we put an offer down and now we are living in our own home.
Thanks Nestor
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13/03/26
Elza Fabian

We had an awesome experience with Nestor, he was so patient with answering all our questions, very available and approachable. Would recommend!
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13/03/26

Kristen Wynne

We had quite a journey through the process while purchasing our first home. We could not be happier in our interactions with Nestor and everyone at Watson Morgages. Everyone was so amazing and supportive.
We're looking forward to working with Nestor again in the future.
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12/02/26

Adam Evans

We were not confident that we could purchase our first home.
We met with Gary Gilbert from Watson Mortgages and after an initial meeting he believed that we could.
Our journey had many bumps along the way but Gary was knowledgeable and confident in the process. He proactively worked with all parties to help us achieve our dream and earlier this year our family moved into our own home.
We went from uncertainty to ownership in a matter of months.
Thank you Gary we are absolutely still astounded that our home is ours.
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04/02/26
Ryan Sheridan

Nestor and Izack have been so helping!
We bought our forever home with Watson Mortgages.
I would recommend them to anyone. They gave us so much confidence.
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02/02/26

Natasha Paynter

Gary and the team at Watson mortgages were incredible! The whole process from the beginning to the end was smooth and stress free. Gary kept us updated the whole time and we truly felt supported. We even had approval before our dead line! I highly recommend Watson Mortgages
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19/01/26

Claire

My husband and I recently worked with Nestor and his team at Watson Mortgages to refinance our home loan. Nestor was great to work with and we found it to be a very smooth process. He was very knowledgeable, helpful, contactable and reliable. We would highly recommend.
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18/01/26
Robin Griffiths

Gary helped us quickly secure our First Home Buyers loan at a tricky time during a change of first home schemes. He was always available for a dumb question, was well-connected with other service providers, and took care of the worst of it for us!
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13/01/26

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
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

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

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

Kerry & Zamir – Home Loan Journey with Watson Mortgages

Kerry and Zamir were looking for a home that would suit their family’s needs with space for their adult children, a dedicated office for teaching, and a comfortable place to…

Kristi – Home Loan Journey with Watson Mortgages

Running a construction business while raising five children means life is already full — but this family was ready for a bigger vision: selling their home and moving to 100…

Adam & Elishia – First Home Buyers

Not sure where to start as first home buyers, this couple walked into a local shopping centre and had a simple conversation that changed everything. After meeting Gary from Watson Mortgages and…

Richard & Giverny – First Home Buyers

Richard and Giverny were first home buyers unsure where to start — and after struggling to secure finance through the bank, they wanted trusted advice they could rely on. Referred…

Olivia & Robin – First Home Buyers

Olivia & Robin wanted to buy a home in the Newcastle region but didn’t know much about the mortgage process. Gary Gilbert our Senior Mortgage Broker invited them to attend…

Tash & Justin – First Home Buyers

Tash and Justin were ready to take the leap into homeownership but needed guidance on how much they could comfortably borrow. Gary Gilbert walked them through the process, attended our…

James – Supporting Our Defence Community into Home Ownership

After 22 years of service in the Australian Army, James and his family faced challenges securing a home loan due to his pension and DVA benefits. Many banks didn’t understand…

Sally Ann – Knock Down and Rebuild Dream Home!

From demo to dream home! When Sally Ann and her husband were ready to build their dream home, they needed more than just finance — they needed a guide to…

James and Cloe – First Home Buyers

From Dream to Reality – With a Little Help from Gary! Meet James & Cloe — young, determined, and on a mission to find the perfect small acreage for their…

Luke & Dominique – Home Loan Refinance, Caravan & Shed!

Meet Luke and Dominique, a busy working family from the Hunter Valley with three kids. They came to us looking to refinance their home loan, and with the help of…

Alex & Micaella – First Home Buyers

Between work, university, and wedding planning, Alex and Micaella had enough on their plate. That’s where Nestor at Watson Mortgages stepped in—handling everything and making the process smooth, easy, and…

John – Property and Investment Loan

When John needed expert financial guidance, he turned to Elliot and Watson Wealth, who introduced him to Nestor from our Watson Mortgages division. The result? A seamless, stress-free experience securing…

Joel & Jessica – Their Journey with Watson Mortgages

Meet Joel and Jessica, a hardworking middle-aged couple dedicated to building a bright future for their family. With the help of Watson Mortgages, they've transformed their home loan, paving the…

Todd & Katie – Home Refinance For Renovations

Meet Todd and Katie, who came to us for help with refinancing their home to fund much-needed renovations. Our Senior Mortgage Broker, Nestor Ramirez, worked closely with them to secure…

Josh – Single Income Home Loan

Introducing Josh, a client whose journey with our Senior Mortgage Broker, Nestor Ramirez, led to the purchase of their dream home in a beautiful estate. Despite facing a challenging mortgage…

Tim – Investment Home Loan

Meet Tim, who our Senior Mortgage Broker Nestor Ramirez and Managing Partner for our Elliot Watson Financial Planning division helped to refinance his home in Maitland with an investment lending…

Glen & Barb – Apartment For Retirement

Meet Glen & Barb, who our Senior Mortgage Broker, Nestor Ramirez, helped purchase their apartment in the gorgeous Hope Island in QLD. Even though they were transitioning into retirement and…

Lachlan – Home Loan

Meet Lachlan who recently purchased his dream home on the Hunter River. Nestor Ramirez our Senior Mortgage Broker at Watson Mortgages met with Lachlan who was living in a house…