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Central Tablelands Mortgages

Central Tablelands Mortgages

5.0(50 reviews)See reviews ↓·Dubbo

About the company

Central Tablelands Mortgages is a mortgage broking business operating under the legal entity C Muscat & T Muscat. The business services Mudgee, Gulgong, Kandos and Rylstone and surrounding districts.

Tracey Muscat is a Director and has been in the mortgage broking industry since 2004. Tamika Muscat is a mortgage broker with 2 years of focused experience. It offers access to over 100 lenders in one place. Mortgage brokering services include understanding goals, providing loan options, lodging, approval, settlement, and ongoing support.

What customers say

Based on genuine customer reviews

In the Central Tablelands region, Tracey and Tamika are the names that recur throughout feedback for this mortgage broking practice. Their guidance is described as clear and thorough at every stage, with first-home buyers in particular noting how the pair explained each step in plain terms and kept them informed from the initial enquiry through to settlement. Several customers describe the process as smooth and stress-free, crediting the team's responsiveness and willingness to field questions well after the paperwork was complete.

A detail many reviews return to is flexibility around appointments, with clients mentioning meetings and calls scheduled to fit around work and family commitments. Repeat business is a consistent theme, as numerous reviewers indicate they have returned for subsequent loans and have passed the firm's details to relatives and friends.

The depth of knowledge on market conditions, government grants and interest rates is repeatedly acknowledged, alongside a patient and professional manner that made complex decisions easier to navigate. Attention to detail and the ability to work through complications without fuss round out the picture. For borrowers seeking a broker who stays involved and simplifies the lending process, the experience relayed by clients centres on personal service and dependable follow-through.

Reviews

Reviews are taken from publicly available sources.

RF
Rosie Foscholo8 July 2026

My husband and I had a really positive experience with Tracey and Tamika. They are both so lovely and kind, walked us through the process, helping us to purchase our next home. They were flexible with meeting times and calls, working around our busy family schedule and were great with communicating and keeping us up to date with every step of the process. We are really greatful for their guidance and help and definitely recommend their services to anyone looking for a mortgage broker. Thank you Tracey and Tamika!

HG
Harry Gillham12 January 2026

Tracey and Tamika from CTM were both highly professional and were beyond helpful while helping us secure a mortgage. Couldn't recommend them highly enough.

KW
Kacey White11 January 2026

Tracey and Tamika made the process seamless and stress-free. As a first-time property buyer, with my partner purchasing for the second time, they ensured I felt fully included and took the time to clearly explain every step of the process. They consistently checked in with us throughout and were supportive of all our ideas, making the experience enjoyable and exciting.

RG
Rebecca Garland8 January 2026

We had an outstanding experience with Tracey and Tamika. They were incredibly flexible, quick to respond, and always informative, making the entire process smooth and easy to understand. Their guidance was clear and helpful at every step. We highly recommend Central Tablelands Mortgages to anyone looking for a mortgage broker who goes above and beyond!

AE
Ashlee Edwards29 December 2025

As first-home buyers, we were very nervous going into the process, but Tracey and Tamika made everything so clear and stress free. They guided us through each step, explained all of our options and were always available when we needed help. We’re so grateful for their support and wouldn’t hesitate to recommend them to friends and family.

TF
Tanya Fisher15 December 2025

Tracey and Tamika are not only professional, having your best interest at heart... they are very personable, easy to talk to and help navigate any complications you may come across. I have used their services on several occasions and have always been happy with the efficiency and ease to secure property.

CM
Cody Maxted26 September 2025

Tracey and Tamika went above and beyond for us in our recent purchase! Nothing was ever a problem! Everything was very clear and easy to understand would definitely use central tablelands again!

Finance & commercial brokers in Dubbo compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 5 businesses in this category in Dubbo are compared.

RankProviderRatingReviewsOpen Sat.
1Mortgage Choice Ian Marchant★ 5,067No
2Central Tablelands Mortgages (this page)★ 5,050No
3Stanley Finance★ 4,935No
4Findex Dubbo★ 4,812No
5MoneyQuest - Dubbo★ 4,845No
Contact
Working hours
Monday09:00–17:00
Tuesday09:00–17:00
Wednesday09:00–17:00
Thursday09:00–17:00
Friday09:00–17:00
SaturdayClosed
SundayClosed