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Richard Windeyer

Mortgage Broker Newcastle | Home Loans

The team at Mortgage Choice in Newcastle and Lake Macquarie can help you find the home loan, that best meets your needs. First home, refinancing, renovating or perhaps purchasing that investment property.

Save time, get advice and book your free no-obligation appointment with us today.
  • Call Us Mortgage Choice Cardiff
  • Mobile - 0413 245 556
  • Office - 02 4943 9705
  • Fax - 02 4913 5483
  • Open Hours Mortgage Choice Cardiff
  • 10am to 5pm
  • Free Appointment

Shop 2, 30 Harrison Street CARDIFF, NSW 2285
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Start your home loan journey today

Richard Windeyer is your local mortgage broker in Newcastle and Lake Macquarie. 🤗 🏡 

He specialises in residential home loans and diversified products such as personal loans and car loans. 

Confused, or concerned about finding suitable home loans or personal finance?  💭 🤔 

Relax, knowing Richard and his team of Newcastle home loan specialists work tirelessly to help you navigate the complex home loan and personal finance maze. 

Compare and save on your mortgage

Richard and his team compares hundreds of loans from over 20 lenders, including the big 4 banks.

Mortgage Choice Newcastle and Lake Macquarie 

Helping you achieve your dreams:

  • First homebuyers and subsequent homebuyers
  • Homebuyers refinancing their loans
  • First time property investors
  • Experienced property investors
  • Locals downsizing to smaller properties
  • Locals upgrading properties
  • People seeking to consolidate their debts.

Ready to talk? 

Book a Time to Chat

Cheers, Richard Ph 0413 245 556

Contact Richard and the team for:

  • Property loans
  • Investment loans
  • Financial planning.

Ready to talk? 

Book a Time to Chat

Cheers, Richard Ph 0413 245 556

Richard can also assist you with:

  • Personal loans
  • Car loans
  • Equipment loans.

Ready to talk? 

Book a Time to Chat

Cheers, Richard Ph 0413 245 556


Interested?   Arrange a complimentary consultation

Call us on 📞 4943 9705 OR my mobile on 0413 245 556. You can go straight to my Diary 📅 by clicking "BOOK AN APPOINTMENT" which will allow you to select a time that suits. Happy to come to you after hours. See diary for available times. 😄



Industry accolades 

2016  FINALIST, The Better Business Awards hosted by The Adviser, Australia’s leading publication for mortgage and finance brokers

  • Best Customer Service/Satisfaction (Individual)


WINNER, Lake Macquarie Business Excellence Awards

  • Excellence in Customer Service by an Individual 

FINALIST, Lake Macquarie Business Excellence Awards

  • Excellence in Customer Service by the Whole Business
  • Excellence in Customer Service by an Individual 


2012  Mortgage Choice Business Excellence Awards

  • FINALIST, National awards


How we make your home loan journey simpler

We compare hundreds of loans from our panel of over 20 lenders. We submit the home loan application on your behalf and liaise with your lender, your solicitor/conveyancer and real estate agents.

Forget the running around. We do it for you.

  • Our office, your office, or your home means more convenience. Our mobile lenders can visit you where and when it suits you.
  • Areas we service Newcastle and Lake Macquarie: Belmont, Charlestown, Warners Bay, Cardiff and Newcastle through to Morisset, Toronto and back to Newcastle.

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Google Reviews

Sarah Jones

24 Mar 2022

Richard and Mel from Mortgage choice were simply amazing!! Such a stress free process. All of our mortgages have been completed through Richard and each and every time he was p...

Callum Mackie

06 Feb 2022

Richard and Mel helped us immensely through the process of buying our first home. Right from the start Richard took the time to explain all of our options and went above and bey...

Lisa Welfare

09 Nov 2019

We have used Richard at Mortgage Choice twice for financing of our properties over the past 5 years. We found Richard and Mel very knowledgeable and professional in our first bu...


05 Nov 2019

Professional from the start, knowledgeable and a really well rounded service start to finish. Looking forward to doing more business with Richard in the future.

Marc Hodgson

04 Sep 2019

Richard and Mel are both fantastic, knowledgeable, and down to earth people who made buying my first home so much easier than I anticipated. Being completely naive to what was...

Adam Hulbert

22 Aug 2019

Richard and Melanie at Mortgage Choice Cardiff were extremely helpful and accommodating to us in buying our first home. The friendly team were more than happy to organise appoin...

Cheryn Rooney

12 Jun 2019

Huge thank you to both Richard and Mel for assisting us to purchase our first home. Honest & open communication, flexible appointments and dedication to getting the desired outc...

Amanda Carr

19 Dec 2018

Wonderful to deal with. Well deserved 5 stars.

Daniel Wilson

09 Dec 2012

Our recent purchase of an investment unit was financed through Mortgage Choice and we were delighted with the service they provided. Richard Windeyer of Mortgage Choice was very...

See all Google reviews

Our recent purchase of an investment unit was financed through Mortgage Choice and we were delighted with the service they provided. Richard Windeyer of Mortgage Choice was very thorough, and professional in helping us secure our investment finance at the best rate, from a major, reputable lending provider. We are most appreciative of Richard?s excellent service, and his willingness to schedule meetings flexibly, in times that suited two busy professional people.?

Daniel & Jayne, New Lambton Heights, NSW
- Property Investor

Richard was extremely helpful and flexible when we enquired about changing our home loan. His professionalism and knowledge was of extremely high standard and we are grateful for his assistance. We have and will continue to recommend his business.

Gemma, Wallsend, NSW
- Refinancer

Thank you Richard for your dedicated and friendly service! You were extremely responsive and worked seamlessly on our behalf with the conveyancers and real estate agents. It was clear you were always looking out for our best interests and you went well above and beyond when you drove seven hours to get my wife's signature then seven hours back the next day to return the form to the bank!

Thanks to your efforts we got the property. We are truly in your debt and have no hesitation in recommending your services to anyone looking for mortgage broker with expertise and with real customer service.

Thanks to your efforts we got the property. We are truly in your debt and have no hesitation in recommending your services to anyone looking for mortgage broker with expertise and with real customer service.

Anthony & Belinda, Redhead, NSW
- Property Investor

Richard and his team were brilliant! From day 1 everything flowed well. We couldn't have been happier with the service we received. We are now saving $700 per month thanks to our refinance! We will definitely use Richard and his team again in the future.

Luke & Stacey, New Lambton, NSW
- Property Investor

My partner and I were very happy with the service Richard provided for us. As we were purchasing our first home we had no idea what we were doing and Richard made the process very easy for us by taking the time to meet with us whenever we needed and explain things to us step by step until we had a better understanding. He was very patient and a very friendly character and we would recommend him to anyone and definitely use him down the track if need be. Fantastic service and If it wasn?t for Richard and his mortgage angel Shubha we wouldn?t have our happy little home!!

Pru, Mount Hutton, NSW
- First Home Buyer

Extremely happy with the overall service provided to us in selecting our mortgage. The staff were very accommodating, courteous and professional. Communication was excellent. Would be happy to refer to friends and family.

Will & Sarah, Macquarie Hills, NSW
- First Home Buyer

More than happy with the service received from Richard & Mortgage Choice, I would not hesitate to recommend their services to others & also use them again myself !

Tain, Wallsend, NSW
- Property Investor

As an accountant I have recommended a number of clients to Richard and have been very impressed with how he has approached the process of sourcing finance for my clients. He has been able to save clients a considerable amount of money and has made the difficult and sometimes stressful task of sourcing funds a relatively smooth task. I will be referring further client to Richard.

Peter, Charlestown, NSW
- Property Investor

Cannot speak highly enough of Richard. It is not very often you come across someone as professional and efficient as Richard and the rest of the team at Mortgage Choice. Richard went above and beyond in all our dealings with him and I am happy to recommend him to anyone who needs a broker.

Belinda, Charlestown, NSW
- Property Investor

An excellent service, I got the best loan on offer and Richard and team did all the legwork. I didn't have to worry about anything as they dealt with the bank, the paperwork, and they gave me regular feedback on how the application was progressing. Friendly, helpful people too. I would definitely use these guys again if I buy another property, and can highly recommend them.

J. Casey, Merewether, NSW
- First Home Buyer

Whilst the journey of the first home buyer can be a little bumpy, we felt really supported by Richard and the staff at Mortgage Choice Cardiff/Charlestown. The help, advice and service given to us was nothing short of excellent. We felt Richard really went above and beyond! Thank you guys, we will be recommending you to family and friends.

Rebecca and Brad, Shortland, NSW
- First Home Buyer

We could not be happier with the service we received from Richard and Melanie at Mortgage Choice. From the outset it was a smooth and easy process to obtain loan approval. Richard and Mel were always on hand to give advice when we were looking for a property to buy. When we did find a suitable property Richard and Mel worked quickly to ensure that our loan was processed and funds were available in time for settlement which was a short 4 week time frame. We didn't have to worry about a thing in regards to settlement funds as Richard and Melanie worked closely with our solicitor and everything went smoothly for our settlement.

Ray & Lucianne, Belmont, NSW
- Upgrader

My fiance Nick and myself have just purchased our first home and can not be more pleased with the support and assistance we received from Richard and Melanie. They made the process a breeze for us and being first home buyers they were always available to answer any questions we may have had. We would both highly recommend them to all of our family and friends.

Kate, Merewether, NSW
- First Home Buyer

Richard and Mel were brilliant! They went above and beyond to help me buy my first home. Highly recommend giving them a visit!

Alexandra, Charlestown, NSW
- First Home Buyer

After a frustrating 3 month refinance process with a big bank that led nowhere Richard delivered exactly as promised and closed our refinance within 3 weeks at a much lower rate than we were being offered by the big bank without all of the headaches.

James, Merewether, NSW
- Refinancer

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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