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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
Address

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.  We've faced massive interest-rate increases and huge cost of living increases.  Hopefully, 2025 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


Thank you to Ben and the team for such a prompt easy process with refinancing. Every step of the way was clearly advised and always kept in the loop. Everything was advised in simple terminology, instructions were very clear too. Would highly recommend Ben and the team of Mortgage Choice Gymea.

Thank you again

Camila
04 December 2024  

Very quick and efficient. They made the process very easy. Highly recommended.

Jeff
11 November 2024  

My sister and I had an excellent experience working with Ben, Kylie, Vanes and the team at Mortgage Choice Gymea when buying our first home. From the very beginning, they made the entire process stress-free and easy to understand. They were patient, informative, and always available to answer my questions. Ben took the time to explain all our options and helped us find the best deal. We felt supported e... read more

L
11 November 2024  

A huge thank you to Michele and the team for organising our refinance. Professional, organised and caring. A team you can trust.

Rabbitoh
14 October 2024  

Michele Kylie where so professional helpful. First investment property in another state I was out of my depth.

I highly recommend, helped me through the whole process answered all my questions.

Kurtis
14 October 2024  

Michele and Kylie were very professional and personable. They were efficient informative throughout the process and I can't thank them enough.

Jimmy
24 September 2024  

The staff at Mortgage choice were extremely helpful and supportive when it came to finding the right home loan product for my fiancé and I, nothing was ever an issue for the team at MC and they kept us updated constantly throughout the process. I would thoroughly recommend mortgage choice at Gymea to anyone looking for mortgage advice. I give them 55

Ian
10 September 2024  

I cant speak highly enough of Ben, Kylie and the team. The process was incredibly easy for me handled professionally and quickly by Ben and his team. I was kept updated throughout I would recommend them without hesitation. Thanks Ben

Jannene
22 August 2024  

Efficient and reliable service once again. Cant go past Mortgage Choice Gymea for all your financing needs

Kerry
20 August 2024  

Ben and his team were great. My wife I met Ben to refinance and at a click of a button he was able to show us options on what we had discussed. He gave great advice on each option and we were able to make an educated decision based on the information he provided. Cant recommend Ben and his team highly enough

Matt
20 August 2024  

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