20 years old this year! I bought my first Mortgage Choice franchise way back on the 29th 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 12 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 those 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 you're 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 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 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 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 19 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 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 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 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.
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 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. 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 at 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 - Upgrader
"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 - 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 - Property Investor
Oyster Bay, NSW
"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 - 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 - 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 - 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 - Property Investor
"The entire team at Mortgage Choice Gymea have once again gone over and beyond in managing our loan application and making the entire process seemless for us. At all stages throughout the process, we have been kept up to date through regular emails and phone calls ensuring we always kenw were we stood. Thanks again to the entire team for all your efforts"
Christian & Michelle Costandi - Upgrader
Oyster Bay, NSW
"Ben and his team were instrumental in helping us secure the mortgage we needed for our family home. We simply would not have been able to buy the place we wanted without their guidance, persistence and professionalism"
Andrew Stuckey - Upgrader
West Pymble, NSW
"All Staff demonstrated the highest level of excellent customer service. Their efficiency, constant communication and friendly service makes the whole process effortless on my part. I would not hesitate in recommending Mortgage Choice Gymea for all of their services. "
Marnie Punch - Refinancer
"Ben and his team are fantastic. From the word go Ben was professional, helpful, and explained everything in terms that were easy to understand. As first home buyers we felt comfortable we were being guided on the right path. Nothing was too hard for Ben and we would not hesitate recommending him to anyone."
Donna and Alex - First Home Buyer
"Thank you to Michele and Josephine for all your valued support throughout the financial process and explanations to help with the real estate situation."
Lesley McLennan - Upgrader
"Ben, Josephine and Christine have been an absolute pleasure to deal with and gave me full confidence during the typically stressful process of buying a house. Great service, knowledgeable and friendly staff. I will definitely use their service again in the future. Thanks"
Mr G Cooper - Upgrader
"We couldn't have been more impressed when you came to our house on your day off with family to ensure our application was received in enough time for settlement. You went above and beyond. "
D Lewis - Upgrader
Gymea Bay, NSW
"We have used Michele for Mortgages many times and will use her again. Friendly and Professional!"
D. Moffat - Property Investor
First home buyer's guide
Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.