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Ben Herden

Welcome to Mortgage Choice Gymea! 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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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. 

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

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!

We are 22 years old this year! I bought my first Mortgage Choice franchise way back on the 29th of May 1999. A lifetime 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 3 years - the Government started restricting lender borrowing limits and of course, we've all had to suffer through COVID-19 lockdowns (it's good to be back) 

How Can a Mortgage Broker Help You?  

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! 

As local homeowners and active participants in the Shire community (Ben Herden, Michele Hutchen & Kylie Andrews live in Cronulla, the fabulous Christine Fowles lives in Engadine), 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 we work with you to find the loan that's right for you.

I've been a Mortgage Broker for 21 years and, between my team and I, we've helped thousands of clients with their home finance. In that time this office has written well 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 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 specialist service Cronulla, Caringbah, Miranda, Gymea, Kurnell, Bundeena, Maianbar, Lillipilli, Burraneer, Woolooware, Sutherland - the whole Shire! - we have clients literally all over the world!! Book your appointment online here or by calling 9525 4544.

Since 1999 the Gymea 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! 

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. ~

Google Reviews

John Folder

06 May 2022

Ben, Kylie and Christine have been looking after us here from the time we bought our first home. They are always willing to take the extra time to understand what we need and ex...

Matthew O'Neill

19 Jan 2022

Couldn't be more helpful. Ben, Kylie and Christine were fantastic, prompt and professional. They really took the time to update us regularly and help us through the process as f...

Shell Lewis

11 Oct 2021

Highly recommend Mortgage Choice, Gymea especially Michele and her fantastic team - Kylie, Caren & Christine. They are dedicated in obtaining the best loan for you and keeping...

Samantha Kilpatrick

13 Jul 2021

We have had a fantastic experience with the Mortgage Choice Gymea team, right from our first call through to settlement. Our new loans are saving us almost 2% interest through a...

Carl R

13 Jul 2021

My partner and I were first home buyers and were recommended Ben and his team by a friend that had a great experience. Having no idea about the buying process to begin with, Ben...

Chloe Heck

02 Jul 2021

The team at Mortgage Choice were a pleasure to deal with! What has been a stressful process in the past was made much simpler this time round.

alison Dews

22 Jun 2021

Ben and the team are absolutely amazing, nothing is too much trouble for them. Despite purchasing property previously and having Ben’s help I couldn’t remember all the steps to...

Steve Thornton

09 Jun 2021

Been working with Ben and the team for more than 10 years now, we get the best advice and best deal every time. Thanks as always

Dean Stafford

26 Apr 2021

The Gymea team were fantastic at stepping me through the re-financing process and determining which lender would suit my circumstances best. The process was relatively smooth an...

Andrew Witts

06 Apr 2021

Mortgage Choice Gymea were fantastic from pre-approval all the way through to settlement. Customer service was excellent as they went above and beyond what would normally be exp...

Brett M

24 Feb 2021

I have dealt with Ben and the team a number of times now. We used them for our initial mortgage as well as refinancing. Every time, Ben and the team have made sure that we get t...

Madeline Andrews

22 Nov 2020

A big thank you to Michele for helping us with our car finance. Michele has previously helped us get our home loan and last week she worked miracles getting us a personal loan a...

Barbara Wood

04 Mar 2020

Adam is professional and knowledgeable, and really cares for best outcome! Glad to know we and our finances are in good hands!!

AJW Strategic Marketing & Media

17 Feb 2020

Michele, is great to deal with. Incredibly efficient and professional and a wealth of knowledge for all things finance! She also has a great local network of trusted property ag...

Roland Youakim

15 Oct 2018

Working with Ben over the last 5 years has been an absolute pleasure. A great team and business that focus on service!

Christopher Igoe

07 May 2018

I have had many dealing with Michele Hutchen and her team at Mortgage Choice Gymea over the years. She is an excellent broker and really knows her stuff. I highly recommend her!

Daina Aspin

16 Jul 2017

I used Mortgage Choice Gymea for my first home loan. Ben, Josephine and Christine were tremendously helpful throughout the process. Their expert advice, generosity and responsiv...

See all Google reviews

After being declined a loan from a previous broker for a development I contacted Ben to see what Mortgage Choice Gymea could do for me. I got pre-approval very quickly and after a period of time with my development being held up in council we have recently received our final approval and can start building our dream home. Ben, Kylie and Christine have been fantastic throughout the whole process and I can't thank them enough.

Josh B, Gymea, NSW
- Upgrader

WOW!!!!! Ben and Josephine were absolutely amazing helping us buy our first house! Ben provided us with different options and such valuable advice on the best options available for our circumstances. Ben helped us get a pre-approval in place which was so lucky because the week later we found the house of our dreams and we were able to make an offer, if he hadn't helped us get our pre-approval in place we would have missed out. Then we had a short tricky settlement which they were just absolutely amazing through every step of the process going above and beyond to help us. Josephine kept us updated every step of the way and both Ben and Josephine pulled in heroic efforts to resolve an issue with the bank to allow us to settle on settlement day. We are so lucky to have gone through Ben and Josephine at mortgage choice and would highly recommend them to everyone and anyone!!!!!!! We really can't thank them enough!!!!!

M & D Whetters, Woronora, NSW
- Upgrader

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, Yarrawarrah, NSW
- Upgrader

I wouldn't hesitate to recommend Ben and his team at Mortgage Choice. We have used them on 3 occasions now and each time have been impressed with their level of service and professionalism - from the very start, right through to settlement, we were kept informed and nothing was ever a problem.
Keep doing what you're doing - can't fault the service - thanks guys!!

T & P Said, Oyster Bay, NSW
- Upgrader

Michele is always professional and works hard for her clients. Thorough advice and consideration of personal circumstances is always given and queries are answered promptly. Happy to recommend Mortgage Choice Gymea to family and friends. Thanks for a fantastic service.

R and A Marshall, Sippy Downs, QLD
- Upgrader

Jenny continues to provide outstanding service, product and technical knowledge around all aspects of mortgage lending.

N Jorgenson, Bangor, NSW
- Refinancer

Your level of service took us back to the good old days, genuine reliable and personal service. We feel we have an established relationship and will call on you for any further financial assistance.

P Kontakos, Hurstville Grove, NSW
- Property Investor

Michele H was absolutely amazing and all our expectations were met. We cannot begin to express how much the team at Mortgage Choice have changed our lives. Thank you all!

Geoffrey Reid, Woronora Heights, NSW
- Refinancer

We were extremely pleased with the service provided by Michele and her team at Mortgage Choice, Gymea. We found them to be very approachable and professional. We were regularly kept informed on the progress of our loan application and we loved the fact they did all the hard work for us. We would definitely use them again. Thanks guys.

Kay & Tama Paraire, Loftus, NSW
- Upgrader

As usual, you guys went above and beyond the call of duty. We have been with you a long time (Over 10 years) and wouldn't think of anyone else. Thanks guys

Sean & Emma Daly, Oyster Bay, NSW
- Property Investor

The communication was outstanding. I was informed of every process. Every question that i had, no matter how minor was answered and promptly.

Ben & Katie Cawdell-Smith, Chrisholm, NSW
- Upgrader

With my first visit to Mortgage Choice I was taken through everything I needed to know to move forward with a home loan. I have no idea where to start but Ben and his team patiently explained all my options and even did a property report for me.

Sharon Orchard, Cronulla, NSW
- Upgrader

A BIG thank you to the whole team at Mortgage Choice Gymea. Just like last time, the experience was outstanding and everyone was a pleasure to deal with. We received information promptly showing great client service. Many thanks again, we surely will be recommending you to our family and friends :) We love our new home!!! Cheers.

Angie, Andrew & Liam Burden, Engadine, NSW
- Upgrader

It was a pleasure dealing with Michele, Josephine and Melissa throughout the whole financing process. The team conducted all dealings promptly and efficiently and their professionalism left us feeling confident that everything was in good hands.

Vikki Hird & Mark Heath, Newtown, NSW
- Property Investor

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