Nicholas Ridgway

Nicholas Ridgway

Nicholas Ridgway

Home Loan Manager

  • M: 0478 731 019
  • P: 02 9042 2737

E: Nicholas@harke.com.au
A: Newcastle, NSW 2283

About Nicholas

  • I will assist in reviewing your finances and find the right loan solution for you.
  • I will focus on providing you options by comparing 25+ lenders and 100’s of home loans.
  • I will do all the leg work for you and take you through the process from start to settlement.

Hi I’m Nick,

Success is what drives me, motivating me to excel at what I do. My passion for delivering beyond what is expected sets me apart from other sales professionals. Settling for anything less than exceptional is not acceptable to me, and really does show in the quality of how I present myself, my level of product knowledge and standard of customer service.

With having a charismatic personality and natural wit, I am able to quickly gain a sound rapport with my clients and combined with an astute awareness of personality types I have the ability to adapt my approach to suit, whilst still maintaining a genuine and authentic representation of who I am.

Here are four reasons why you should use my services:

No 1. I will review your financial circumstances and have your best interests at heart.
A bank’s first priority is not to serve you, their customer, but to make big profits for their shareholders. If you use my services, I will take the time to consider your situation and provide your with tailored options that suits you so you feel safe and secure.

No 2. My service is cost free so you have no added fees.
As a mortgage broker, me level of knowledge and expertise as well as consultations from start to settlement is at no charge to you. I receive my payment directly from the banks so you can rest assured I will work hard to find you a competitive loan.

No 3. My service is ongoing and I want can assist you years after your loan has settled to provide free home loan health checks.
It’s critical to review your home loan regularly to make sure it still works for your financial situation. Home loan products change, so I am offering an open dialogue to discuss your options.

No 4. I will explain everything involved in the home loan process and take the stress out of it.
I will help you understand your loan structure so you learn the mortgage jargon such as the rates, terms, features, and fees. And best of all, I will negotiate a competitive loan product for you and take care of all the paperwork saving you time.

It’s free to do a little research and get a broker to help you out. Make your money work for you.

Give me a call I’m sure I can help.

Experience

Through my career I have displayed an aptitude for handling difficult accounts and situations, competently gaining the confidence of others and effectively identifying solutions to create impressive outcomes.

I value direct dialogue and when applied with an attentive manner, quickly establish clear lines of communication creating a professional image of communication.

My responsibilities to my clients include:

  • Providing relevant recommendations based on my client needs analysis, with suitable advice on home loan structures
  • Write loans and managing the loan process right through to post settlement
  • Consolidate debts and loans
  • Pro activeness in maintaining and building long term relationships
  • Effective relationship management skills and business acumen
  • Access to some of the best banking, wealth and insurances in the market
  • Extensive and ongoing product training on over 25 specialised lenders
  • Ongoing training to stay informed of product, service and policy changes
  • Liaising with banks/credit unions to ensure client’s requirements are met
  • Adapting to market trends and legislative changes accordingly

Credentials and Awards

  • FBAA Accredited
  • Cert IV in Finance
  • Anti Money Laundering Certificate
  • Credit and Investments Ombudsman (CIO) Membership

Make an appointment with Nicholas

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How I can help

Compare home loans

I'll find you a competitve home loan that suits your needs by comparing multiple lenders. Plus recieve your free property report,valued at $39.95.

Negotiate on your behalf

Leave the paperwork to me, I'll negotiate directly with the banks and lenders - saving you time and hassle.

Post settlement support

Our service doesn't stop when the home loan is settled. We'll keep in touch to make sure you're getting the most from your home loan.

Finance at any stage

First Home Buyer

Find out if you're eligible for the first home owners grant. I can assist with your FHOG application.

Buying Again

Residential or commercial properties. I'll liaise direct with your real estate agent, solicitor and banks on your behalf.

Investors

Empower yourself with knowledge before buying an investment property. Ask me about attending a free property update seminar.

Refinance

Consolidate your debts and potentially secure a better deal. I could save you money and make the switch quick and hassle-free.

Nicholas’ lender panel

Adelaide Bank
AMP
ANZ
Citibank
Commonwealth Bank
ING
Liberty
Me Bank
NAB
Pepper
St.George Bank
Suncorp Bank
Teachers Mutual Bank
Westpac