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Anthony Smith

Put Melbourne's Leading Mortgage Brokers to Work for You


Mortgage Choice in Cheltenham, Melbourne are a friendly, motivated and experienced team of home loan / mortgage brokers and financial advisers operating in Melbourne suburbs.
  • Call Us Mortgage Choice Cheltenham
  • Office - 03 9585 7779
  • Fax - 03 8610 0365
  • Open Hours Mortgage Choice Cheltenham
  • 08:30-20:30 Monday to Friday.
    After hours and weekends we're available via appointment.
  • Free Appointment

302 Charman Road CHELTENHAM, VIC 3192
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Mortgage Choice (Melbourne based) - "we're ready to help you Pinpoint and Secure YOUR ideal Home Loan"

Mortgage Choice has been one of Australia’s leading mortgage brokers since way back in 1992. We’ve built our business around always putting our customer’s needs FIRST, meticulous attention to detail, open lines of communication at all times and a genuine care for each individual client.

Our fully qualified and experienced team of mortgage brokers would love to assist with all of your home loan related challenges and goals - and best of all, you won't pay us for our services (we are paid by the lenders).

What Type of Home Loan are you Looking For?

We'll search through hundreds of different loan options from more than 20 of Australia's largest banks and lenders to find the one that best suits YOU.

What Does a Mortgage Broker do - what to Expect when you Engage Mortgage Choice

Our primary goal and motivation is to track down and secure the most suitable home loan for your individual needs and preferences. We’ll be by your side from start to finish - negotiating hard with the lenders to lock in a great home loan deal for you.

Let’s break down the steps involved in securing your ideal home loan:

Step One: Let's Talk

The first step is for us to learn a bit more about you, including your current circumstances, any preferences you may have and your goals for the future.

We can catch up face to face at our office in Cheltenham, Port Melbourne or any other location of your choice throughout Melbourne.

Simply click on the orange "contact us" button up the top of this page or give us a call on 03 9585 7779 to arrange a meeting. There’s no charge or obligation involved in meeting with one of our fully qualified and experienced mortgage brokers - we’d be happy to catch up for a chat.

Step Two: We'll Get to Work

Based on our initial discussion with you, we'll then roll up our sleeves and get to work. Taking your unique set of circumstances and goals into consideration we will search far and wide to identify the most suitable home loan options for you (from our extensive panel of lenders).

Loan selection is not as simple as locking in the one with the lowest interest rate or fees. Of course, they are important elements, but there's many other considerations that can be just as crucial to you - now and into the future.

That's the advantage of engaging a good mortgage broker - we sort through all of those things for you. We know and understand the Australian home loan marketplace back to front, so once we get to know you a little better, we'll be able to pinpoint the exact loan options and features that are going to serve you best.

Step Three: Decision Time!

As soon as we have identified your best loan options, we'll then present them to you to make the final decision (you're always in charge).

Then it's time for us to prepare your loan application, negotiate with your chosen lender, gather all the necessary paperwork and do any other "legwork" that is required to get your loan settled. We'll be there for you throughout this entire process to ensure everything progresses as it should (we've got a great loan progress team working behind the scenes to help things run smoothly).

Here's a bit of an overview of the home loan application process. It outlines the steps involved and approximate timelines you should expect - Home Loan Application Process.

Mortgage Calculators - Do Some Of Your Own Research

Take some of our interactive home loan calculators for a drive, they will help you to discover:

We're Not Just Mortgage Brokers - Mortgage Choice Offer a Full Suite of Financial Solutions

In addition to providing industry leading home loan advice we also offer a wide range of financial solutions to help you protect and reach your financial goals.

We have a dedicated financial adviser on staff who is ready to assist - Jeff Morel.

Jeff can help you with Personal Insurance, Investment Planning, Wealth Creation, Superannuation, Rollover Advice, Tax Strategies and Retirement Planning.

We also offer vehicle loans, equipment finance, car loans, commercial loans, business loans, income protection, life insurance and general insurance.

Give us a call on 03 9585 7779 or contact us through the orange "contact" button up the top of this page for further information about any of these services - we'd be happy to hear from you.

Why Choose Mortgage Choice?

You can learn all about our origins, history, consumer protection initiatives and the long list of industry awards we have collected here.

While industry awards and recognition are certainly nice to receive, they are not what drive us and motivate us as we get to work each day - the satisfaction level of our clients provide us with all the motivation we need.

What's Next?

There's only one thing left to do - get in touch with us.

If you'd like to organise a free, no obligation appointment with one of our mortgage brokers located throughout Melbourne (you can come to us, or we'll come to you) please click the orange "contact" button at the top of this page or simply give us a call on 03 9585 7779.

We look forward to hearing from you.

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Google Reviews

Josh Hargreaves

22 Mar 2022

Working with Rhys from mortgage choice to buy my first home was definitely the right decision. He was informative and willing to help me understand the process and the right pat...

Taylah Vines-Chapple

06 Dec 2021

Rhys from Mortgage Choice Cheltenham went over and above to make the entire process as easy as possible. Very professional and would highly recommend. Thanks so much for helping...

Liam Jackson

01 Dec 2021

Couldn't have asked for a smoother and easy going process of getting a home loan through Rhys Elmi. His dedication and passion for his job makes it a stress free process for a t...

Guy Drerup

30 Nov 2021

We had an excellent experience with Rhys from Mortgage Choice Cheltenham. He found an exceptionally low rate for 5 years fixed, maintained excellent communication throughout and...

Liam Dix

29 Oct 2021

Rhys recently helped my partner and I with financing and securing our first home, and honestly, we don’t know where to begin. Rhys has managed our stress, silly questions and qu...

Nick Meyers

26 Oct 2021

We haven't refinanced our mortgage for many years and this was so easy! Thanks Rhys for finding us such a great deal and making it stress free. I would highly recommend!

Olivia Borg

13 Sep 2021

Couldn't recommend Rhys Elmi from Mortgage Choice Cheltenham enough! He was so helpful and responsive, no matter the time, and made the process easy and stress free for us. Bein...

Lisa Tilley

28 Jun 2021

Highly recommend Stephen and Rhys!

Hazel Bradley

23 Jun 2021

Highly recommend Rhys Elmi from the team at Mortgage Choice Cheltenham. We have dealt with Rhys twice in the last six months, his professionalism is outstanding he made the proc...

bree foster

22 May 2021

I would highly recommend the team at Mortgage Choice Cheltenham. The communication was professional, fast and the entire process was made easy! This company was recommended to...

carlos camelo

25 Apr 2021

Thanks to Dave and the team at MC Cheltenham who have been exceptional guiding us through the construction mortgage process of our future home. I will definitely recommend them.

Dan Clarke

22 Apr 2021

This is the second time we've used Shaun and once again he was excellent throughout - professional, helpful, proactive, patient and answered all of our questions! Certainly rec...

Michelle Pitcher

22 Apr 2021

Rhys Elmi and the team at Mortgage Choice Cheltenham were fantastic to work with. We had an out of the ordinary buying scenario and Rhys took all of the pressure out of this com...

Lauren O'Connor-Price

24 Mar 2021

Rhys Elmi honestly made such a daunting and scary process of buying a house so easy and straightforward. Always available to answer my silly questions and explain them in a way...

Natahsha Garner

07 Mar 2021

Rhys Elmi is an absolute godsend! We had such a great experience purchasing our first home through Rhys and we will be coming back for all our finance in the future. He puts in...

Kaity Egan

03 Mar 2021

I can't thank Rhys Elmi enough for his support and commitment to helping me with my home loan. He does so much behind the scenes and his dedication and professionalism is admira...

Maverick Weller

08 Feb 2021

Anthony’s goes above and beyond for his clients. His experience in the industry assured me to be able to get a loan transfer approved. Thanks again Smithy


11 Jan 2021

Rhys Elmi of Mortgage Choice Cheltenham was incredible in finding the best and most suitable home loan for me (at the best rate too). As a first home buyer I found the whole pro...

Pan Hatzi

22 Dec 2020

David was not that interested and Didn’t really want my business

Scott Sinclair

04 Dec 2020

Have had the pleasure of working with David Ross and Emma Avdulla twice now ,and could not be happier with their service . They have been absolutely brilliant to deal with .

Perry Kick

23 Jul 2020

Shaun at Mortgage Choice was very responsive to my request and arranged pre-approval for my loan efficiently. It was great that he also checked in on how I was progressing and...


22 Jul 2020

We have gone through Shaun and the team multiple times to secure new property loans or refinance. Every time Shaun has gone above and beyond, particularly when securing finance...

Steve Laska

14 Jul 2020

Shaun Curtis is an excellent mortgage broker. I have used him on 3 separate occasions over the last 15 years, and have been successful with all my applications. Shaun is diligen...

Greig Nichols

13 Jul 2020

Dealing with Shaun Curtis at Mortgage Choice in Cheltenham for assistance in our financial matters has always been an absolute pleasurable experience. Shaun, and the team, have...

James Varszeghy

10 Jul 2020

Stephen and the team got us into our first home! The whole process was a pleasure and we couldnt have done it without his expert knowledge. I reccomend all my friends to Steph...

Julian Pharaoh

07 Jul 2020

Have used Anthony Smith for the last 7-8 years for our property loans. Fantastic service, well organised and always a professional service. Recently used them again for the purc...

Jason Swift

07 Jul 2020

I have used Shaun Curtis and the team from Mortgage Choice Cheltenham for over a decade for all my finance requirements. Without question they are the best in the industry and...

Marisa Jones

18 Jul 2019

Hi Jeff, I just wanted to say thanks so much for all your help over the past 12+ months. I am truly grateful for all your time, effort and energy you have put into helping me ou...

Derek Johnson

16 Jul 2019

Very Professional Service from Jeff Morel. Explained in easy to understand language. Great advice and we look forward to continued advice and help from Jeff.

Peter Styles

18 Sep 2014

Craig Micallef was very thorough, clear and patient whilst walking us through the mortgage process. Also easy to contact and followed up issues promptly. Highly recommended.

Jane Gutteridge

22 Aug 2014

Our experience with Mortgage Choice has been fantastic. Stephen Forrester held our hands through the entire process and made a complicated and daunting process seem easy. After...

Carl Satton

14 Aug 2014

I attempted to contact the office on several occasions with no luck. Emails and messages not returned. Was hoping to get help with refinance but given the slow follow ups went e...

See all Google reviews

Thank you Craig for helping us with not only our homeloan but with the whole process of purchasing our first house!

It made life a lot easier for us especially when the banks made a mistake on the loan and it was sorted out without hassle.

Carly Sadler, Melbourne, VIC
- First Home Buyer

Shaun Curtis from Mortgage Choice was FANTASTIC!!

I loved that he took care of everything for us, he answered all my questions (and trust me there were plenty!), and everything was done with such a friendly manner! Your service is second to none, i will have no hesitation in recommending you to my family and friends!!

Tara Anderson, Melbourne, VIC
- First Home Buyer

Stephen Forrester is excellent.

Friendly, accessible, always prepared to go the extra mile. Could not speak more highly of him and probably could not have gone through the process of two recent loans without his support.

Steve Conlin, Melbourne, VIC
- Upgrader

Hi Stephen,

All seems to be ok I think. Have spoken to Homeside to clarify a few things & I think I have my head around it all now.

I have settled nicely into my new home & it already feels like I have been there forever!

Thanks for all your help Stephen, this has been a painless process considering the time restraints we had! & I will be in touch when I am ready to purchase my first (of hopefully many!) investment property/s & will certainly recommend you to anyone I know who may be looking for a mortgage broker.

Tania Middleton, Melbourne, VIC
- First Home Buyer

Dear Chris,

Thanks so much to you and your team for our lovely bottle of wine, what a great idea, very thoughtful.

Thank you for being so thorough and patient with us and our many questions throughout the whole homeloan process. We have moved in to our new place and although we are still living amongst many boxes yet to be unpacked, we are very very happy.

Thanks again

Nicki & Pete, Melbourne, VIC
- Upgrader

Dear Lavina,

Thank you for all your assistance with my home loan application process. I really appreciated your calmness and help with all my questions and queries.

I said to Chris earlier today how great you have been and how it was nice to actually meet the capable person on the other end of the phone/email when I delivered some documents to the office.

I am very happy to recommend the services of Mortgage Choice Cheltenham.
Many thanks, again.

Heather S, Kew, Melbourne, VIC
- Upgrader

Hi Shaun,

Christine and I would also like to thank you for all your help and services.

I would have no hesitation in recommending yourself and Mortgage Choice to anyone!

An experience that some say can be very daunting and exhausting has been an absolute breeze!

Any issues please give me a call.

Thanks again.

Max Horne, Oakleigh, Melbourne, VIC
- First Home Buyer

Thanks Craig you really helped us a lot..would really recommend him as one of the valuable employee of Mortgage Choice.

Ven S, Melbourne, VIC
- Property Investor

Hi Jordan,

Thanks for the update last week, we would like to thank all the team at Cheltenham mortgage choice for their outstanding service and professional approach, nothing has been too much trouble all questions answered just an overall outstanding service and we would not hesitate to recommend you guys or use you again in the future.

Once again a big thanks.

Darren and Alexandra B, Mordialloc, VIC
- Refinancer

Hey Chris,

Just wanted to let you know that, once again, I have been blown away by the awesome service provided by you and your team. I have been through your brokerage three times in the last two years to refinance my mortgage and each time your pleasant disposition, your promptness in getting things done (even coming to my workplace on numerous occasions to get documents signed) and the patience that you have shown when I was lost in a sea of numbers, could not possibly be surpassed.
I would not hesitate in recommending you to any of my friends or colleagues, and look forward to dealing with you in the future.

You guys ROCK!!!!
Thank you thank you thank you for your amazing service.

I. McKibbin, Melbourne, VIC
- Refinancer

Hi Jeff,

I just wanted to say thanks so much for all your help over the past 12+ months.

I am truly grateful for all your time, effort and energy you have put into helping me out with everything!

I appreciate that you tried to make the whole process on your end as easy as possible to deal with for me given my circumstances.

You should be proud of your professionalism whilst being easy and down to earth to talk to.


Marisa, Frankston, VIC
- Financial Planning

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