Newcastle based · Helping buyers Australia wide
Buying your first home? You might be closer than you think.
A quick call tells you where you stand, what you could borrow and what to do next. Plain English, no pressure, and a clear plan whether you’re buying next month or next year.
★★★★★
from over 85 Google reviews
Why Ascension
A home loan that fits your life, not just today's numbers
Finding and securing a mortgage can feel confusing. We explain your options, do the heavy lifting and bring you the right loan. We don’t push and sell.
Independent advice
As licensed mortgage brokers we’re bound by the best interests duty. We act for you, not for us and not for the bank.
Set up for what's next
We look at where you’re heading, not just where you are, so your loan suits you now and can change when life does.
You'll know more, not less
We walk you through every stage, from pre-approval to settlement, so you make decisions with confidence. Our digital systems keep the paperwork moving.
lenders on our panel. If one bank says no, that isn’t the end of the conversation. Different lenders assess the same situation differently, and we know where to look.
First home buyers
Cut through the noise and get the facts
Buying your first home is a big step. We make the process clear, from your first question to the day you get the keys.
What we'll cover on your call
- Where you stand today — income, savings and debts, looked at the way a lender will
- What you could borrow — a realistic range, not a banner-ad number
- Help you may qualify for — government schemes and stamp duty concessions for first home buyers
- Your next step — what to gather, and whether a full strategy session makes sense yet
Prefer to talk now? 02 4093 0708
Know your real buying power
We check your borrowing capacity across lenders, because policies differ and the difference can be meaningful.
Get a pre-approval you can rely on
We get your documents assessed properly up front, so you can shop and make offers with confidence.
Make the most of the help available
We’ll check which government schemes and stamp duty concessions you’re eligible for.
Get to settlement without the stress
We manage the lender, keep you updated and stay with you until you’ve got the keys.
How we help
Three things we do really well
Cut through the jargon and get the facts. We make securing pre-approval and buying your first home easy to understand.
Buying your first investment property? We’ll explain what’s involved and structure the loan the right way from day one.
A better-fitting loan, or a way to put the equity already in your home to work. We’ll tell you straight whether switching is worth it.
Client reviews
Home buyers say it best
★★★★★
87 Google reviews
“Joel is a fabulous mortgage broker, especially for first home buyers! He was very helpful with his advice and generous with his time as my partner and I navigated our first property experience. Thanks for everything, Joel.”
Grace Dobinson ★★★★★
“Exceptional service and support. Joel and his team recently helped us purchase our home and made the whole thing far less daunting than we expected.”
Jayde Toole ★★★★★
“Highly recommend Joel and the team at Ascension Finance. Joel brought so much expertise and made everything easy to understand.”
Annalise Moylan ★★★★★
“We’re so grateful to Loren and her team for all the hard work and support throughout the process. Nothing was ever too much trouble.”
Adriana Purlija ★★★★★
“Our experience with Joel and his team was excellent. He answered all of our questions and guided us seamlessly through a process that was very new to us.”
Jasmine V ★★★★★
“Joel and his team were great to work with to refinance our mortgage. He was very helpful and kept us informed the whole way through.”
Suzy Lucas ★★★★★
Who we are
Mortgage brokers based in Newcastle
Ascension Finance is a small, independent mortgage broking business in the Newcastle CBD, led by licensed mortgage broker Joel Archer alongside licensed mortgage broker Loren Manthey. We look after clients across Newcastle, Lake Macquarie, Maitland and the Central Coast, and anywhere else in Australia.
Find us at Suite 401, 45 Watt St, Newcastle.
Founder & Principal Broker
Mortgage Broker
Insights
Stay market smart
Straight-talking updates on rates, the market and what it means for your next move.
Keen to save on your purchase? Seller discounts just hit a 5-year high
Eager to score a price discount on your home purchase? Of course you are. We reveal how much of a
A record 82% of home loans rely on mortgage brokers. Here’s why.
What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more
What does a good home loan rate look like now?
A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a
RBA hikes cash rate for fourth time this year, up to 4.60%
Here we go again … The Reserve Bank of Australia (RBA) has raised the cash rate for a fourth time
How you could still negatively gear a rental property
The federal budget introduced major tax reforms for property investors, but it may still be possible to enjoy the potential
Why holding out for lower prices could hurt first home buyers
In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy
Ready to lift your home loan game?
Book a 10-minute call. We’ll get a feel for your goals and tell you straight what’s possible.