Mortgage Choice logo
Richard Windeyer

TWELVE years with Mortgage Choice as your Mortgage Broker for the people and families of Newcastle and Lake Macquarie.

Celebrating 12 years in Cardiff and consider ourselves a more boutique team, not chasing volume but more personal service. You don't sit on a white board of who's next........and with the SAME team of TWELVE years should count for something.
Reach out to explore options.
Cheers Richard.

  • 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
Address

Shop 2, 30 Harrison Street CARDIFF, NSW 2285

Welcome to Mortgage Choice in Newcastle and Lake Macquarie.

Some client thoughts.................

For Twelve years Richard Windeyer has been your local Mortgage Broker in and around Newcastle and Lake Macquarie.

Helping locals with home ownership, refinancing to a better deal or perhaps building an investment portfolio.
Confused about the process, or worried about the next step click through contact us below for a return call or book an appointment.

Google Review ⭐⭐⭐⭐⭐

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 professional and spoke to us in terms we understood. He always went above and beyond and worked tirelessly to assist us, with a wonderful result of a new home. So incredibly grateful!

- Sarah, Jones

👉🏻  "Contact Us"   👀


👉🏻  "Contact Us"   👀

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.

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.
Our office, your office, or your home means more convenience.
Areas we service.

Newcastle and Lake Macquarie: Belmont, Charlestown, Warners Bay, Cardiff and Newcastle through to Morisset, Toronto and back to Newcastle.

Arrange a complimentary consultation

Call us on 1800 01 LOAN (5626) or 4943 9705 or 049156596 or click contact us above to setup a return call or book an appointment.

Industry accolades.

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

Mortgage Choice Business Excellence Awards
WINNER, NSW
FINALIST, National awards

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. ~

Client reviews


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 professional and spoke to us in terms we understood. He always went above and beyond and worked tirelessly to assist us, with a wonderful result of a new home. So incredibly grateful

Sarah Jones
23 April 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 beyond answering our questions at any time of the day. What probably should've been a fairly anxious time was made really easy by Richard's open and consistent communication. Can't thank the team enough

Callum Mackie
22 February 2022  

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 appointments outside of normal office hours to fit in with our schedules and quick to respond to any queries we had. I would highly organising a chat with Richard to any potential first-home buyers as he managed to break down the... read more

Adam Hulbert
23 June 2020  

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.

Jamie
23 June 2020  

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 business interaction and Richard was our first call when we needed a change of finance with trickier circumstances a couple of years later. As expected, the level of service and outcome was excellent and much appreciated. I r... read more

Lisa Welfare
23 June 2020  

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 required of me in buying a home, I had so many questions - which Richard was always available and happy to answer.
Buying a house is a stressful time, but using Richard and Mel has made the process go smoothly, without hiccu... read more

Marc Hodgson
23 June 2020  

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 outcome. We couldnt be happier. Highly recommend

Cheryn Rooney
24 June 2019  

Wonderful to deal with. Well deserved 5 stars.

Amanda Carr
24 June 2019  

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 Wilson
25 June 2013  

Read more 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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