A local broker who knows the corridor inside out.
The same trusted broker from your first conversation, a direct line whenever you need it, and a relationship that continues long after your loan settles.
Based in Newcastle and the Hunter.
A broker you can speak to directly.
I’ve been a mortgage broker for twenty-six years. Partway through my broking career, I completed a Master of Business at the University of Newcastle. That combination of practical experience and further study has shaped the way I work: understanding each client’s circumstances, considering the lending options carefully and explaining the differences clearly before any decision is made.
NRG Financial Services holds Australian Credit Licence 384496, is a member of the Australian Financial Complaints Authority (membership no. 44198), is FBAA accredited and holds Professional Indemnity Insurance. I’m also a Justice of the Peace. These credentials matter, but so does the way clients are treated. I believe mortgage decisions deserve care, clear explanations and accountability.
NRG Financial Services works with a panel of more than 40 lenders. That gives us the ability to consider a broad range of lending options rather than looking at one lender in isolation. The aim is not to change a loan for the sake of it. It is to understand what you have now, what you are trying to achieve and whether another option is genuinely worth considering.
For me, good mortgage broking comes down to making complex lending decisions easier to understand. You should know what is being considered, why it matters and what your choices are before deciding what happens next. That commitment continues after settlement, with regular reviews as your circumstances change.
- Australian Credit Licence 384496
- AFCA Member 44198
- FBAA Accredited
- JP (NSW)
- Master of Business
- PI Insured
Lenders change. We stay.
NRG Financial Services is not a call centre or a franchise. We are an independent local team that remains available after your loan settles. We compare your options carefully, explain them clearly and tell you openly if a change is not worth making.
Mortgage Broking
We compare a panel of more than 40 lenders and manage the paperwork, so your loan is recommended on how well it suits your circumstances.
Investment Lending
Considering how your equity could support an investment property? We help structure the lending around your goals, whether it is your first investment property or your fifth.
Experiences from our clients.
“Rolled three loans into one and reduced the term. First time in years our money makes sense. No pressure at all. Tim just laid it out and let us decide.”
Anthony, Erina
“Was embarrassed about the credit card creeping up. Tim made it feel normal, helped bring it into the mortgage, and we now have room to breathe again.”
Kel, Cardiff
A wider lens on your mortgage.
A broader panel allows us to consider a wider range of lending options based on your circumstances.
Our role is to compare the options that are relevant to you and help you decide whether any of them is genuinely worth pursuing.
We have access to the following lenders.
Want to know more?
A conversation is a sensible place to start. We’ll look at your numbers personally and give you a clear view, whether that points to a change or to leaving your loan as it is.