About Junction

Junction Home Loans began in 2016 at a kitchen table in Merewether, which is still where most of the real work happens.

Before that, Marty spent fourteen years assessing home loan applications inside a bank branch in the Newcastle CBD. He was good at it. He was also the person who had to ring people on a Friday afternoon and tell them the answer was no, without being allowed to tell them which lender down the road would have said yes. The last of those calls went to a couple from Adamstown. They both worked shifts at the hospital, and the bank counted their shift allowances at a fraction of what they were actually paid. A fortnight later, on his own for the first time, Marty took the same pay slips to a lender who counted that income properly and they had a formal approval by the Wednesday. That call is the whole reason this business exists.

We named it after The Junction because it is the corner everyone in the eastern suburbs passes through at some point, and because a junction is a place where you choose a road rather than a place you get stuck. Most people who ring us are not confused about what they want. They are confused about what is possible, and about which trade-off they are actually making.

So we work at a table, usually yours. We put the options next to each other and talk through what each one costs you in flexibility, in time and in paperwork, not just in dollars. If a pathway suits you and it happens to pay us less, we say so, and the commission on every option is written down in front of you before you choose anything.

There are four of us. Marty runs the broking and still takes most of the first appointments. Renae looks after first home buyers and knows the New South Wales grant and duty concessions better than anyone we have met. Hayley runs files from application to settlement, chases the valuers, and is the reason our clients are not the ones ringing us for updates. Sam handles the self-employed and small commercial work, which around here means a lot of tradies, cafes and allied health practices.

We have settled more than eleven hundred loans since 2016. We are not the biggest brokerage in Newcastle and we have never tried to be, because the moment you get big you start handing people to whoever is free that week. Ring us and you get the person you met the first time, from the opening appointment to the day the keys change hands.