Your Newcastle & Hunter Mortgage Broker
Whether you're buying your first home, upgrading, investing, or refinancing in Newcastle or the Hunter Valley, Lend & Loan compares 50+ lenders to find the loan that fits your situation. Our service is completely free. Mortgage broking is national, so John handles every step remotely, from pre-approval to settlement.
John Pierre Saliba has 10+ years' experience in mortgage broking and works with Newcastle and Hunter Valley buyers and investors regularly. He knows which lenders favour NSW regional properties, how to structure loans for Newcastle's growing market, and how to navigate situations like self-employment, LMI waivers, and SMSF lending.
Newcastle offers a compelling alternative to Sydney, with a median house price of $850K and steady 5.8% annual growth. As a harbour city with world-class beaches, a revitalised CBD, and proximity to the Hunter Valley wine region, Newcastle attracts owner-occupiers and investors alike. Affordability compared to Sydney continues to drive demand, and lender appetite for the region is strong across all major banks and non-bank lenders.
Home Loan Services in Newcastle
First Home Buyers
NSW's First Home Owner Grant provides $10,000 for new builds valued under $600,000. Stamp duty concessions apply for properties under $800K, with full exemptions for homes under $650K. The First Home Guarantee allows 5% deposit with no LMI. Newcastle's lower median compared to Sydney means more suburbs fall within these thresholds.
Refinancing
On a $700K loan, a 0.5% rate cut saves $3,500/year. If your fixed rate has expired or you haven't reviewed in 2 years, you may be overpaying. A free rate review across 50+ lenders takes 20 minutes.
Investment Loans
Newcastle houses grew 5.8% in 12 months, with solid rental yields across inner suburbs and Lake Macquarie. We structure for maximum deductibility and can assess equity from existing properties in Sydney or elsewhere.
Self-Employed Borrowers
John specialises in alt-doc and low-doc lending for self-employed borrowers. Whether you're a business owner, sole trader, or contractor buying in Newcastle or the Hunter Valley, we know which lenders assess income flexibly and how to present your application for the strongest result.
