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

105 Gymea Bay Road GYMEA, NSW 2227

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 and financial planners 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 21 years old this year, 2020! 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 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, which gives you more reasons 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, 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.

Over the past 21 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. 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.  Our in-house financial planner, the incredible Adam Niewidok, will have a look at your figures and offer suggestions.  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


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

Mortgage Choice in Gymea


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...

Mortgage Choice in Gymea


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

Mortgage Choice in Gymea


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!

Mortgage Choice in Gymea


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...

Mortgage Choice in Gymea


Our heartfelt thanks go out to the wonderful team at Mortgage Choice Gymea who arranged the loan that has enabled us to buy our home.

Mortgage Choice in Gymea

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

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.

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