Banking experience. Without the bank experience.
Talk to Nicole
Heard us on Star 101.9?
Win a trip to Disneyland. Settle any finance with Mortar Finance between 1 November and 3 December 2026 and you’ll get a QR code to enter the draw, part of Star 101.9 Mackay’s 12 Days of Christmas. Finance takes time, so start the conversation now. Terms and conditions apply.
We used to work for the banks. We know how they think, how they lend and what they look for, and now we use that to help you explore more options.
Leave your number and Nicole will call you back during business hours.
Rather talk now? Call 0410 432 781
Your Mackay broker
Nicole Watson, based in Mackay
Nicole became a broker in 2021 after 15 years in finance, including time at one of the Big 4 banks, and now leads Mortar’s broker team.
She looks after home loans, refinancing, business and commercial lending for clients in Mackay and further afield: first home buyers, self-employed people, business owners, investors, and anyone wanting to refinance or consolidate debt. SMSF lending, start-up business finance and home loans for the self-employed are her particular focus.
Mortar Finance Pty Ltd, Credit Representative 505923, is authorised under Australian Credit Licence 389087 held by Australian Finance Group Ltd (ACN 066 385 822).
Our Testimonials
Client's success stories
We’re passionate about helping our clients achieve financial success. See what they have to say about our expertise.
Alison
This was our first time buying a commercial property and the knowledge, professionalism and service we received was nothing short of amazing. We will be using the team again for any of our future needs and would recommend him to anyone in need of assistance.
Cameron
5 stars doesn't explain the awesome experience of having your finance organized while you continue to manage business operations. No bank bully, only a smooth transition with no wasted time. Strongly recommend this professional service.
Kyra
You know when you have a question but think it's silly or worse stupid, so you don't worry about asking it? Well, that'll never happen with these guys. They welcomed all our questions and made sure we understood it even if it meant by going through it again and again. Very patient, lovely, flexible and most importantly they know what they're doing. Made our loan application such a breeze. I can't thank these guys enough. From the first call to the settlement date, they were always in our corner trying to get the best deal for us. 100% use them again and would recommend them without any hesitation.
Aviral & Tina
Nick assisted us in purchasing a new company vehicle during EOFY. This was an urgent transaction and I'm not sure we would have been successful without Nick's help and expertise. He did all the background work, talked us through any paperwork we had to complete, and made the whole process seamless. We will definitely be using Nick and the Mortar Finance team for future finance needs.
Sharmin
I’ve been fortunate enough to have dealt with Mortar Finance for over 3 years and they’ve been SO helpful. I purchased my first home back in 2020 by myself and since then, I’ve received ongoing support from the team. The team are not only knowledgeable but incredibly supportive and have open lines of communication throughout the whole journey. It can be a very daunting process but I would happily recommend them to anyone I know.
Bree
Highly recommended – Zac and the team at Mortar Finance made it seamless and smooth from start to finish. I have a complicated structure being self employed – Mortar were able to break down our structure and present it in a certain way to the bank in order for our loan needs to be met.
Anthony
What an amazing and supportive business from the beginning. I could not fault the service, communication and adaptability. I would use again and recommend with confidence. My son recommended them to me, my daughter than used them and then me. No once off. Consistently do a great job.