Meet your broker

 

Margaret Godfrey - Transparency, Education, and Trust

Why I’m a Mortgage Broker in Newcastle and Who I Love to Work With

When it comes to navigating the complex world of home loans and property investment, having someone you trust to guide you can make all the difference. As a mortgage broker based in Newcastle, I have dedicated my career to being that trusted partner for my clients. This is my opportunity to share more about who I am, how I work, and the kind of clients I love to collaborate with.

My Journey to Mortgage Broking

Before becoming a mortgage broker, I spent years in a career that required discipline, empathy, and problem-solving—traits that have served me well in this field. For the past 14 years, I’ve helped countless individuals and families navigate major life moments like buying their first home, upgrading to a bigger space, or building a property investment portfolio. My work is shaped by transparency, education, and a deep commitment to helping clients feel confident in their financial decisions.

The journey hasn’t always been smooth. From weathering the Global Financial Crisis to navigating industry reforms like credit licensing changes and the banking Royal Commission, I’ve seen firsthand how resilient and adaptable this industry demands we be. Despite the challenges, my passion for making a meaningful impact in people’s lives has only grown stronger. Helping a client achieve a milestone as significant as purchasing their dream home never loses its magic.

How I Work: Transparency and Education at the Core

When you walk into my office, you won’t find a hard sell or a one-size-fits-all approach. Instead, you’ll find an open book—me. I pride myself on being completely transparent with my clients. Here’s what you can expect:

• All the Advice You Need: Whether you’re a first-home buyer or a seasoned property investor, I’ll provide all the advice you need to make informed decisions.
• Answers to Your Questions: No question is too big or small. I’m here to clarify, simplify, and ensure you fully understand your options.
• Product and Rate Information: I’ll share all the details about loan products and rates, helping you compare options without any hidden agendas.
• Additional Resources: If you need further information or tools to guide your decision-making, I’ll point you in the right direction.

This approach comes from a deep belief that informed clients make better decisions. I’m not here to push a particular product or make you feel rushed. Instead, I see myself as a partner in your financial journey.

Learning to Value Trust and Long-Term Relationships

There was a time early in my career when I felt disheartened if a potential client took my advice, used the information I shared, and went directly to a lender. Over time, I’ve come to understand something important: trust is the cornerstone of a successful client relationship. If someone doesn’t value the expertise, effort, and knowledge I bring to the table, they’re probably not the right client for me.

Today, I focus on working with clients who want more than just a loan. I’m looking for people who want to build a lasting relationship with someone they trust to guide them through life’s financial milestones. My ideal clients are those who see me as a partner in their financial journey, not just as a transaction. They’re the ones who value personalized advice, strategic thinking, and a holistic approach to finance.

Who I Love to Work With

If you’re wondering whether we’d be a good fit, here’s what I look for in the clients I work with:

• First-Home Buyers: I have a passion for helping first-home buyers navigate what can be an overwhelming process. From understanding government incentives to structuring your loan for long-term success, I’ll be there every step of the way.
• Property Upgraders: Whether you’re moving to a larger home or downsizing, I’ll help you manage the transition with ease.
• Property Investors: I enjoy working with clients who want to build wealth through property and need expert guidance on structuring their loans and maximizing their investment potential.
• People Seeking a Financial Partner: If you’re looking for someone who will provide honest advice, tailor solutions to your needs, and stick with you for the long haul, we’ll likely work well together.

Building a Partnership, Not Just a Loan

What sets me apart from other mortgage brokers in Newcastle is my commitment to forming genuine, long-term relationships with my clients. I’m not interested in being a one-time service provider. My goal is to be your go-to resource for all things finance—whether you’re buying your first home, exploring refinancing options, or planning your retirement strategy.

When you choose to work with me, you’re not just getting access to competitive loan products and interest rates. You’re gaining a trusted advisor who will always have your best interests at heart. Someone who will take the time to understand your goals, answer your questions, and provide tailored advice that goes beyond the numbers.

Once you become a client, my commitment doesn’t end with securing your loan. I will regularly review your loans to ensure they remain competitive, so you don’t have to think about it. This ongoing service means you can rest assured that your finances are in good hands while you focus on what matters most to you.

Let’s Get Started

If you’re ready to work with a mortgage brokerin Newcastle who values transparency, education, and trust, I’d love to hear from you. Whether you’re taking your first steps into the property market or you’re a seasoned investor looking for a fresh perspective, I’m here to help.

Let’s build a partnership that goes beyond loans and interest rates. Let’s work together to achieve your financial goals and create a brighter future.

Margaret Godfrey  Margaret.godfrey@mortgagechoice.com.au or call me on 0451 471 061