Port Stephens NSW
A mortgage broker based in Port Stephens, working with you wherever you are.
David is based in Port Stephens NSW. Appointments run by phone and video, so where you live doesn’t decide who reads your file: he works with clients there and Australia-wide, on refinancing and on the self-employed and complex-income situations a standard assessment tends to misread.
Where David works
Based in Port Stephens NSW, appointments Australia-wide.
LoanTorq isn’t run from a branch you walk into. David is based in Port Stephens NSW, and every appointment, the initial call, the Clarity Call, the conversations that follow, happens by phone or video. That’s not a consolation-prize substitute for meeting in person; it’s the whole model, which is why it works the same way whether you’re around the corner or on the other side of the country.
If you’re local to Port Stephens, you’re talking directly to the broker whose business is based here. If you’re elsewhere in Australia, you’re getting exactly the same access, the same process, and the same person on the phone: David himself, not a call centre reading from a script.
What David helps with
Two situations LoanTorq is built around.
Refinancing: reviewing an existing home loan to see whether it still fits your situation, your equity position, or the loan features you actually use. Some reviews turn up a change worth making; plenty of the time the honest answer is that staying put is the right call, and you’ll be told that too.
Self-employed and complex income: David is a Chartered Accountant and former group CFO, so a company, a trust, a director’s modest wage next to retained profit, or more than one entity isn’t a complication he apologises for. He reads the whole financial position the way a lender’s credit team would, and presents it accordingly.
Both start the same way: a conversation, not an application. See how the process works end to end, from the first call through to what happens only if you decide to go ahead.
Get in touch
Talk to David directly, wherever you’re based.
You can send a message and David will reply personally, or go straight to booking a Clarity Call at a time that suits you. Either way, you’re reaching the same person based in Port Stephens NSW who answers his own phone.
The information on this page is general in nature and doesn’t take into account your personal objectives, financial situation or needs. It isn’t a recommendation about any particular credit product. Lending criteria, terms and conditions apply and vary between lenders; eligibility is assessed on individual circumstances.
The Clarity Call
Find out where you actually stand.
A 20-minute conversation with David about your loan, your equity and your options. It’s a conversation, not an application. No documents, and nothing goes on your credit file. If it turns up something worth pursuing, you’ll have a clear next step. And if the honest answer is ‘not yet’, you’ll hear that too. The straight answer is the point, either way.
Book my Clarity CallSee how we could helpNo cost · No obligation · No credit enquiry · A straight answer either way