NSW Licensed Mortgage Brokers · Est. 2008

Your home loan,
done right.

Expert mortgage advice tailored to your circumstances. We compare hundreds of loan products across 40+ lenders to find the right fit for you, at no cost to you.

Book a Consultation Estimate Repayments
$2.4B
Loans Settled
40+
Lenders
4.9★
Google Rating
Modern Sydney home

Caldwell & Co found us a rate well below what our bank offered. The process was seamless from start to settlement.

Sarah & James T., Baulkham Hills NSW
MFAA Accredited
Australian Credit Licence 391203
Fee-Free Advice
40+ Lenders Compared
Sydney · Newcastle · Wollongong
What We Do

Lending solutions
for every situation

Whether you are a first home buyer, seasoned investor, or looking to refinance, our brokers have the expertise and lender relationships to secure the best possible outcome for you.

01
First Home Buyers

Navigate your first purchase with confidence. We guide you through grants, guarantees, and the most competitive first-home loan options in NSW.

02
Refinancing

Is your current rate still competitive? We audit your existing loan, benchmark it across the market, and secure you a better deal saving thousands in interest.

03
Investment Loans

Grow your property portfolio with strategic financing. We structure investment loans to maximise borrowing capacity and optimise your tax position.

04
Construction Loans

Building your dream home requires specialist financing. We match you with lenders experienced in progressive drawdowns and flexible construction arrangements.

05
SMSF Lending

Purchasing property within your self-managed super fund involves specific regulatory requirements. Our SMSF specialists ensure compliance while maximising your strategy.

06
Commercial Finance

From commercial property to business equipment finance, our team provides access to specialist lenders for every stage of your business growth journey.

How It Works

Simple.
Straightforward.

We have stripped out the complexity from the mortgage process. Most clients receive a conditional approval within 48 hours of their initial consultation.

1
Initial Consultation

A 30-minute conversation in person, by phone, or via video to understand your goals, circumstances, and timeline.

2
Loan Assessment

We analyse your financials and compare products across our 40+ lender panel to shortlist your best options.

3
Application and Approval

We handle all the paperwork and liaise directly with the lender on your behalf to keep things moving quickly.

4
Settlement and Beyond

We are with you at settlement and beyond, checking in annually to ensure your rate stays competitive.

Marcus Caldwell, Principal Broker
16
Years
Exp.
About Us

Advice you can trust.

Founded by Marcus Caldwell in 2008, Caldwell & Co was built on a simple premise: Australians deserve independent, expert mortgage advice without the conflicts of interest that can come with bank-employed lenders.

With offices in Sydney CBD, Parramatta, and Newcastle, our team of 12 accredited mortgage brokers has settled over $2.4 billion in residential and commercial loans across New South Wales.

As fee-free brokers, we are remunerated by the lender you choose, which means our advice is always centred on what is right for you, not our commission rate.

MFAA Member ACL 391203 FBAA Member Connective Aggregator NSW Fair Trading
Client Stories

Trusted across New South Wales

Don't take our word for it. Here's what our clients have to say about working with the Caldwell & Co team.

★★★★★

Marcus and the team made buying our first home far less intimidating than we imagined. They found us a rate well below what our bank offered and explained every step clearly.

LP
Liam & Priya Nguyen
Kellyville NSW · First Home Purchase
★★★★★

I have used Caldwell & Co for three investment properties now. Their understanding of portfolio lending and structure is exceptional. I would not go anywhere else.

DM
Daniel McIntyre
Mosman NSW · Investment Portfolio
★★★★★

Refinancing was painless. They handled everything and we ended up saving over $400 a month. The whole process from first call to settlement took three weeks.

SR
Sophie & Ryan Castellano
Newcastle NSW · Refinance
Our lender panel includes
Commonwealth Bank Westpac NAB ANZ Macquarie Bank ING Suncorp Bankwest St. George AMP Pepper Money Liberty Financial + 28 more
Repayment Calculator

Estimate your repayments

Estimated Monthly Repayment
$3,840/mo
Principal and interest · Indicative only
Total Repaid $1,382,400
Total Interest $732,400
Rate Type Variable P&I
Get in Touch

Start your journey today

Our brokers are available Monday to Friday and happy to meet in person, by phone, or via video call at a time that suits you.

Sydney Office
Level 14, 1 Martin Place
Sydney NSW 2000
Office Hours
Mon to Fri 8:30am to 6:00pm
Saturday by appointment
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