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Ben Herden

Welcome to Mortgage Choice Gymea, Sutherland Shire. We'd love to be part of your success story.

The multi-award-winning Gymea team of mortgage brokers located in the heart of the Sutherland Shire can help you find the best home loan & financial advice for your personal situation.
  • Call Us Mortgage Choice Gymea
  • Office - 02 9525 4544
  • Fax - 02 9520 7966
  • Open Hours Mortgage Choice Gymea
  • Normal Office Hours: 9am-5pm, Monday to Friday. After hours available by appointment.
  • Free Appointment

105 Gymea Bay Road GYMEA, NSW 2227
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We enjoy nothing more than helping our clients realise their property and financial goals, and we'd very much like to help you. 

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

Keep up to date with the property market, the latest finance tips and what's happening at Mortgage Choice Gymea by visiting & liking us on Facebook here!

I started Mortgage Choice way back in May 1999. A lifetime ago. I still deal with my very first client too! There have been a lot of changes in that time, but I'd say nothing tops the last few years - the Government started restricting lender borrowing limits, and of course, we've all had to suffer through COVID-19 lockdowns.  Now we're facing interest-rate increases for the first time in a long time.  Hopefully, 2024 will see a few decreases; that would be a game changer. 

How Can a Mortgage Broker Help You?  

Home Loan and investment lending can be quite complicated, especially with all the changes to credit laws over the past few years, not to mention the saturation of information on the internet.  Anyone who has tried in vain to find out what First Home Buyer benefits they can get or how to calculate Capital Gains Tax will agree!

We can help you work out your borrowing limits and quickly and easily get a pre-approval in place for you (and, of course - full unconditional loan approval!).   We can also help you get a better deal on your existing loan - even with your current lender! This is the first step.  Online "borrowing power" calculators should not be trusted (yep, even ours) as they are not detailed enough to give you an accurate result.

As local homeowners and active participants in the Shire community, 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 if you're wishing to relocate to the area or wanting to look at refinancing options for your existing loan, the Mortgage Choice Gymea 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 my team & I, it's what we do day in, day out. We know the local property market and the broader lending landscape intimately and work with you to find the right loan.

Since 1999, my team and I have helped thousands of clients with home finance. In that time, this office has written well over A BILLION $$$ in home loans in that time!  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 on TV as an industry expert and I am often consulted on issues surrounding property and investment by various print media outlets.

Providing the best mortgage broker services to our clients since 1999. Our home loan specialists services Cronulla, Caringbah, Miranda, Gymea, Kurnell, Bundeena, Maianbar, Lillipilli, Burraneer, Woolooware, Sutherland - the whole Shire! - we have clients all over the world!! Book your appointment online here or by calling 9525 4544.

Since 1999 the team has consolidated their position as one of the best mortgage brokers in the Sutherland 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 occasions
  • Mortgage Choice High Flyers Award on multiple occasions
  • Various State level Mortgage Choice Business Excellence 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. We would love to become a part of your success story, too.  

How does the Home Loan process 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 through 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.  We care about more than just your home loan. We're with you for the long term.   

Hear what some of our customers have to say!

 Visit us on Youtube for more client testimonials

Claire Shearman (Refinancer) Gymea, NSW

"Big thank you to Michele and Kylie for your help with my mortgage needs. Changing banks seemed daunting and complex but you made it very easy and talked me through the entire process. Thank you."

Grant McMahon (First Home Buyer) Gymea

"I was lucky to have been recommended to you by my Father. I felt that your approachability and high level of contact made it easy for myself to track the situation. Thank you for your solid effort and hard work."

We're ready to help!

If you're ready to purchase your first home, refinance your existing mortgage or speak to a financial expert about your situation, then give us a call or book an appointment here to set up a time to meet. We can meet at our Gymea Bay Rd offices or we can come to you.

We look forward to meeting you.

Ben Herden and Team

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. ~

Client reviews

Ben and the team made our dream home a reality. We felt it was impossible, but Ben worked hard and we did it We couldnt have done it without everyone helping us.

12 June 2024  

Ben and Kylie at Mortgage Choice were great with getting our loan pre-approval sorted and for also helping us setup our mortgageloan with the bank. Ben and Kylie helped my partner and I every step of the way so we were clearly informed on what needed to be done. It was a daunting process purchasing our first property, but Ben and Kylie alleviated any concerns or questions we had.

27 May 2024  

Ben, Kylie, Christine and team did an amazing job. The Mortgage Choice Gymea team have helped me successfully apply for many loans since 2009 including refinance options. The team are very knowledgeable and I highly recommend giving them a call.

21 May 2024  

Excellent service and advice. Ben and his team make you feel you are getting a personal service and go the extra mile to make sure you get the mortgage that most suits your needs

08 May 2024  

Ben and the team have been fantastic for us, across a number of interactions of over a decade.

Highly recommended

12 April 2024  

Ben and the team at Mortgage Choice Gymea have always provided great service and invaluable advice throughout each of my mortgage processes. Their expertise and dedication ensure a seamless experience. Have used them for over 20 years and will continue to do so and would highly recommend.

09 April 2024  

Comprehensive, reliable, compassionate service. Highly recommended.

09 April 2024  

I have used Ben and his professional team on several occassions and have been extremely happy with the outcome. It is always a stressful time organizing finance, buying property, or re-financing but is was made easier with expert advice and experience.
I would recommend Mortgage Choice Gymea highly

08 April 2024  

Ben and his team are amazing. They not only secure the best rate but ensured we had the best loan structure for our situation.
Highly recommend.

08 April 2024  

Ben was extremely knowledgeable and helpful. The process was smooth and we would highly recommend him to anyone looking for a mortgage

04 April 2024  

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