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Welcome to Mortgage Choice, Gymea - Mortgage Brokers & Financial Advisers

, GYMEA NSW 2227

Tel: 02 9525 4544 Fax: 02 9520 7966

Mortgage Choice GYMEA
02 9525 4544

Hi, my name is Ben Herden and I head the experienced team of mortgage brokers and financial planners at Mortgage Choice at Gymea.

18 years old! I bought my first Mortgage Choice franchise way back on the 29th  May 1999.  A lifestime ago.  I still deal with my very first client too!  There has been a lot of changes in that time but I'd say nothing tops the last 6 months.  The Government (via APRA) has made it more difficult to get an investment loan.  Or an interest only home loan.  There are lenders who will do neither of thoses things.  Lenders are all chasing different segments of the market in an attempt to recoup business.  If it was a "mortgage maze" before it's an absolute jungle now.  Even more reason to use a mortgage broker.    

We can help you work out your borrowing limits and quickly and easily get a pre-approval in place for you.  Adam Niewidok, our Financial Advisor, will also stress test your application to ensure your making the best financial decisions possible. 

With the introduction of our Financial Planning division we now offer a full holistic financial services packages to our clients.  Taking on more debt is the perfect time to take a good look at your financial future, from debt reduction techniques to superannuation to insurances.  Adam is also an expert in setting up & administering Self Managed Super Funds (SMSF) and Transition to Retirement strategies.  

As local home owners and active participants in the Shire community (Ben Herden & Michele Hutchen both live in Cronulla, Jenny a Bangor local), there's nothing we enjoy more than helping our clients realise their property and financial goals, and we'd very much like to help you. Whether it's your first home, an investment property or financial planning, if you're wishing to relocate to the area or wanting to look at refinancing options for your existing loan, my team and I are here to help.


The Sutherland Shire Team

Finding a home loan or refinancing is something most only do a few times throughout their life, but for me and my team it's what we do day in, day out. We know the local property market and the broader lending landscape intimately and we work with you to find the loan that's right for you.

I've been a Mortgage Broker for 18 years and between my team and I we've helped hundreds upon hundreds of clients with their loan needs. In that time this office has written over HALF A BILLION $$$ in home loans!  That's a lot of loans! Our performance in this area has been well recognised. We have been regular winners and finalists of the Mortgage Choice Business Excellence Award, we have won numerous local Small Business Awards and we are keen contributors to the local community through our work with schools, clubs and the Chamber of Commerce. I have also appeared TV as an industry expert and I am often consulted on issues surrounding property and investment by various print media outlets.


Over the past 18 years the Gymea team has consolidated their position as one of the best mortgage brokers in theSutherland Shire, if not the industry;

  • Finalist MFAA Excellence Awards
  • The Advisor Magazine Top 20 Brokers
  • MPA Magazine Top 100 Brokers
  • National Multi Operator of the Year on multiple occassions
  • Mortgage Choice High Flyers Award on multiple occassions
  • Various State level Mortgage Choice Business Excellents Awards
  • Sutherland Shire Small Business Awards - Professional Services winner (twice)

Yes, we are very proud of our work and the recognition, but the main reason I highlight it here is to let you know that when you work with us, you are working with a truly local team of experienced and committed professionals.


Mortgage Broking - The Process

Here's how we work:

1. Initial Consultation - come in or we can come to you and we'll discuss your goals and circumstances. It's free, without obligation and fully confidential.

2. Loan Choice - we'll assess hundreds of loan products from a broad range of lenders, present you with detailed information, then work with you, answering your questions to help you make the right home loan choice.

3. Application to Settlement - we take the hassle out of the home loan process. We'll complete and submit the appropriate documentation then follow the application though to settlement.

4. Future Needs & Your Protection - as long term Shire locals and Mortgage Broking professionals, we'll be here for you down the track should you have a question.  Our in house financial planner will have a look at your figures and offer suggestions.  We care about more than just our clients home loans.  That's only one piece of the financial plan. We're with you for the long term.  

Let's get started - give us a call or click on the link to set up a time to meet. We can meet in our Gymea Bay Rd offices or we can come to you.

We look forward to meeting you.

Ben Herden and Team

Providing the best service to our clients since 1999. Servicing Cronulla, Caringbah, Miranda, Gymea, Kurnell, Bundeena, Maianbar, Lillipilli, Burraneer, Woolooware, Sutherland - the whole Shire! - we have clients literally all over the world!!



An outstanding service that should be at the top of every buyers essentials list. Mortgage choice not only got us a lower interest rate than we knew existed but also saved us paying mortgage insurance. The service from the whole team was excellent and provided a personalised experience. At no cost to us it was the most valuable information we could ask for, it will genuinely save us thousands of dollars over the course of the loan.
Steven & Annalise Thornton, NSW
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