Testimonials
THINKING OF REFINANCING? Mortgage Choice Gymea have helped hundreds of clients refinance their home loan. We can help you to. Ask us how!
The professionalism and service displayed by Ben and Josephine is truly outstanding. They both went beyond my expectations in helping me out and they made purchasing my first home as easy and stress free as possible. Highly recommended!
B McDougall, 2009
Engadine
Shara was extremely professional and did everything we thought she would. She was friendly and accommodating and I would not hesitate in using Mortgage Choice, in particular Shara again
K Shaw, 2009
Engadine
When I first came in I had no idea! Ben took the time to explain everything in great detail. The team were always available to answer my questions. Thanks to them I now own my first home. I would definitely recommend them to anyone else in my situation.
C Gear, 2009
Miranda
Our Team
Introducing Mortgage Choice - the Gymea team
Mortgage Choice at Gymea - Winners
- 2009 Mortgage Choice Business Excellent Awards for South NSW/ACT (awarded at the 2010 National Conference)
- 2010 Mortgage Choice "Contribution To The System" Award (awarded at the 2010 National Conference)
- 2009 Summer Quarter Business Excellence Award for a Multiple Franchise Owner
- 2009 Finalist in the Sutherland Shire Small Business Awards for Professional Services.
- 2008 State Business Excellence Award for a Multiple Franchise Owner.
2002+2003 Sutherland Shire Small Business Award Winner for Professional Services (when Ben Herden operated from the shared Caringbah office)
Mortgage Choice at Gymea have won a number of external customer service awards over the years (Sutherland Shire Small Business Awards for Professional Services, and finalists in both the Engadine & Gymea Chamber of Commerce Small Business Awards again in 2007). These aren't industry awards given to the best salesperson, rather customer service driven awards voted for by our clients and the community. We are very proud of these achievements.
Team Profiles

Ben Herden
Ben joined Mortgage Choice in May of 1999 and is the Principal of Mortgage Choice at Gymea. Previously Ben spent 5 years working at ANZ in various lending roles. Ben and his family live locally in Cronulla.
Bens background is in home and commercial lending. He spent the first 5 years after University (B.A.) in various lending roles within the ANZ Bank, including Lending Manager at 2 busy city branches.
Ben bought his first Mortgage Choice franchise in May 1999, quickly moving into a shared office in Caringbah before moving to his own office in Engadine. In April 2008 we moved to Gymea, the centre of the Sutherland Shire.
Testimonial:
Ben and the team are excellent and always willing to answer any queries we had. I wouldn't hesitate in recommending them to anyone.
B & T Moorgas, 2008
Engadine

Shara Nugent
Shara has worked within the finance industry all over the world for almost 11 years, and brings with her vast lending experience and a marketing background. Shara won the State's "Best Loan Writer" award in November 2008 and September 2009 and continues to deliver fantastic customer service and expert advice.
Shara has worked with Mortgage Choice since April 2006. Previous to joining Ben and his team Shara worked at Community First Credit Union and Select Credit Union in both Mortgage and Personal lending before moving into a Marketing role. She moved to Mortgage Choice to go back to what she loved which was Mortgages. Previous to this Shara worked in the UK for 2 years in a variety of finance roles.
Testimonial:
Shara explained everything I needed to know in a way that was easily understood. She was readily available throughout the loan process to answer questions and offer guidance.
J Bates
Sutherland

Josephine Pavokovic
Josephine Pavokovic has 25 years experience in and around the home loan industry and has been an integral part of the team for over 6 years. You will be dealing with Josephine a lot - she keeps everything on track for you and your lender!

Michele A Hutchen
Michele Hutchen started with us in April 2010 after working with another Mortgage Choice office for 10 years. She brings with her 29 years banking experience.
Michele has several Mortgage Choice Awards under her belt including Loans Consultant of the quarter May 2009 and finalist for Loans consultant of the year at the 2010 National conference.
Previous to joining Mortgage Choice Michele worked at St George Bank and Westpac Bank in both Mortgage & Personal Lending.
Michele enjoys working with all her clients to help them realise their dream of owning their own home or Investment property.