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Jen Hughes

Locals helping locals with their home loan | Merimbula, Bega, & Narooma to Batemans Bay

Our local Mortgage Choice team provides local insight and value for anyone looking to buy in a regional area! We specialise in giving expert, easy-to-understand advice that can make the home buying process a breeze. 

Mortgage Broker | Owner

After growing up in the U.S, Jen moved to Merimbula in 2005 and started her finance career at Mortgage Choice. She loved how much freedom the right financial choices can bring and helping home buyers save money on one of life's most rewarding purchases - a new home.

She has the heart and willingness to work hard for every client that she meets (and does it all with a smile!)

"There are so many things I love about this job. But what I love most is being the human part of the home loan process, answering client's questions and supporting them to make the best choices with their finances. When I am not knee-deep in researching the best interest rates for our clients, you can find me surfing with my family or cooking up a storm."

Call Jen on 0432 281 837 to get started on your home loan.

Josh Lavender

Josh Lavender

Mortgage Broker 

Heading our Narooma office, Josh brings a unique blend of expertise and dedication to his role as a mortgage broker at Mortgage Choice. With a meticulous attention to detail and innate problem-solving skills which were honed from 18 years experience as a NSW Police officer, Josh is driven by a passion for assisting others achieve their property and finance goals. He is committed to understanding client needs, and motivated to adeptly navigate the complexities of lender policies to ensure the best personalised outcomes.  

Josh immerses himself in the lifestyle and community of Narooma and loves nothing more than to spend his weekends with his family fishing, surfing and diving.  

Josh is deeply passionate about the property industry. Having built a personal property portfolio, he is heavily invested in staying abreast of market trends, leading products, and all the necessary knowledge to support clients and enhance his ability to offer tailored advice that encompasses both financial considerations and local market dynamics.


Alan Madden

Alan Madden

Mortgage Broker

With degree qualifications in Mortgage Broking and Financial Services, Alan has had extensive experience in the banking and finance industry. He has spent years finding the most competitive home loans and finance solutions for our customers. 

"Mortgage brokers provide a valuable service to Australians, helping them navigate the finance world and banking systems. The most important thing to know is that our service is 100% free! My biggest motivation is helping future generations get a fair go at home ownership - including my two grandchildren." 

Ella Karmadonoff

Ella Karmadonoff

A vital asset to our operations, Ella is meticulous in processing loans and liaising with lenders to ensure a seamless experience for clients.

With a diverse background in accounts and administration across industries like legal and property development, Ella brings extensive expertise to our team, adept at navigating complex financial processes with precision and finesse.

Ella is also an entrepreneur, and sells her own line of natural beeswax skin balms at local markets and online as Bee Skin Wise. Her innovative mindset highlights her ability to balance professional excellence with personal pursuits.

Ella's blend of proficiency, dedication, and entrepreneurial flair makes her an invaluable asset to our team, driving excellence in every aspect of our loan processing operations.

Vikki Hanning

Vikki Hanning

Vikki provides our office with essential admin support including document collection, loan submissions, and loan tracking. She is extremely organised, efficient, and has an excellent eye for detail. Vikki offers exceptional customer services to our clients. 

Vikki has many years of industry experience and is always willing to go above and beyond to answer any questions our clients may have. Her experience is what ensures our clients have a smooth, effortless journey when it comes to finance. So whether it is buying their first home, refinancing, or purchasing an investment property, she is there to support our clients!

"I have been in the finance industry for many years and I still love what I do, which is helping brokers make the home loan process easier for their clients."

When Vikki is not in the office, you will find her travelling the best WA wine regions or exploring the best eats in Melbourne!

Phoebe Mills

Phoebe Mills

Bio coming soon!

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