Your experienced Mortgage Broking team in Baulkham Hills servicing The Hills District

Looking for a home loan, reverse mortgage, investment loan, car or business loan? Talk to Kevin Gray, your local Mortgage Choice broker for The Hills District. Let me research and compare over 20 different lenders for you to find you the right deal.

  • Mobile 0424 080 632
  • Office 02 9639 0233
  • Fax 02 9639 0388
  • Open Hours
  • Mon - Fri 9am-5pm
    After Hours by appointment
Suite 28, Charrington Court, 35 Old Northern Road BAULKHAM HILLS, NSW 2153

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I'm Kevin Gray, your Mortgage Choice Mortgage Broker in Baulkham Hills and helping The Hills District get access to the very best home lending services. 

Your local expert in Baulkham Hills

As a local, I know the property market in The Hills District area. Having been a Mortgage Broker here for more than 10 years, I know and understand the ins and outs of buying, upgrading and re-financing a home in this area like no one else.

I'm also one of the few Mortgage Choice brokers who specialises in Reverse Mortgages for seniors, so let me help you or your loved ones tap into their equity later on in life with the right strategy.

Over the years, I've helped hundreds of people in Baulkham Hills and The Hills District with their home loans, and I'm sure I can help you too. Why not call me for a chat.

Why use a Mortgage Broker?

An experienced Mortgage Broker does more than show you a few brochures on home loans.

A good Mortgage Broker takes the time to learn about you, your current financial position and goals. With your interests in mind, a good Broker assesses your position against hundreds of loan products from different lenders, then provides detailed information and guidance to help you make the right home loan choice. 

Why choose Kevin Gray as your Mortgage Broker?

Together with over 10 years experience as a Mortgage Broker, I have a strong banking and financial services background and well-developed listening and communications skills.

When I work with you, I am not looking to "make a sale", I am there to provide a professional service that meets both your home loan and broader financial needs. Talk to me about:

Buying your first home

Upgrading your home

Buying an investment property

Re-financing your existing home loan

Building a Home / construction loans

Reverse Mortgages for seniors

SMSF loans

I can also provide assistance with:

  • Loan Protection Insurance
  • Income Protection Insurance
  • Building & Contents Insurance
  • Landlords Insurance
  • Car loans and leases

Proudly servicing The Hills District, including Baulkham Hills, Beaumont Hills, Bella Vista, Carlingford, Castle Hill, Kellyville, Kellyville Ridge, Northmead, North Parramatta, North Rocks, Rouse Hill, The Ponds, West Pennant Hills, Winston Hills and beyond.

Why choose Mortgage Choice ?

Mortage Choice in Baulkham Hills is not a bank so we are not limited in the number of loan options we look at. We have the resources and the tools to assess literally hundreds of loan products to find the loan or loans best suited to you right now, and in the future.

At Mortgage Choice in Baulkham Hills, we have the experience and industry know-how to provide detailed, thorough and clear information. And we have the people on the ground to provide local knowledge on The Hills District and the personal attention you simply don't get from the banks.

How does the process work?

  1. Obligation Free Chat - it's just as it sounds, we chat about your financial position and goals without locking you into anything.
    2. Loan Assessment - I assess your position against our suite of loan products, provide you with detailed information and answer any questions you may have.
    3. Application through settlement - I manage your application from start to finish and beyond for your future needs.
    4. Future needs - should you have any questions or requirements down the track, I'll be here to help.

What does the service cost?

The service is no cost to you. Mortgage Choice is paid by the lending institution and Mortgage Choice Brokers are paid the same commission* regardless of which home loan product you choose. This is critical as you can be safe in the knowledge that the information we provide has your best interests at heart.

How to get started?

It couldn't be simpler to get started.

You can come in and see me in my Baulkham Hills office, give me a call, or I can come to your home or office.

Give me a call on 02 9639 0233 or click on 'Contact us' at the top of this screen.


"Every time we have asked for your assistance you have been helpful, professional and have gone out of your way to ensure our loans are all in order."

Michelle - Upgrader
Breakfast Point, NSW

"I love the fact I am able to make contact with Kevin via email or by phone. It's not easy for me to make or take calls while at work. I always get a quick and informative response."

RC - Refinancer
Wentworthville, NSW

"This is just to say thank you for making this all happen for me. You made it a very seamless process, and for someone like me who can get a little worried at times, you made everything clear, concise and easy to understand. I will no doubt be recommending you to whomever I come across who may be seeking a home loan."

Scott - First Home Buyer
Northmead, NSW

"We felt Kevin really factored our circumstances and felt he went above and beyond to secure us a loan. We were extremely happy with the service and communication throughout. We have already recommended his services to others."

Stephen & Liana - Upgrader
Erskine Park, NSW

"I will highly recommend your services to our friends who are also looking to buy their first home."

Carolyn - First Home Buyer
Castle Hill, NSW

"Once again, thank you for your help and support with the mortgages/loans you've assisted me with. Could not have done this without you, so thank you very much. I'll be sure to be in contact with you once I decide to continue on with another property investment venture."

Kael - Property Investor
Beaumont Hills, NSW

"Many thanks, Kevin for your help so far. I am sure without your help it wouldn't have been possoble to achieve my first home loan in such a short space of time. Well done to you and I am glad I have dealt with you in sorting out my first home purchase."

Ajay - First Home Buyer
Harris Park, NSW

"We were really impressed with Kevin and would do home loan business with him again. Always followed up, patient, explained everything and provided best options."

Lindsay & Jordhana - First Home Buyer
Kings Park, NSW

"The service you provided to us was first class."

Peter & Debbie - Property Investor
Castle Hill, NSW

"Thank you again for your very friendly and comprehensive help with our home purchase last year. We couldn't have expected more and your support was amazing throughout."

Andy - Upgrader
Kellyville, NSW

"Thank you, everything went without a hiccup and we have been getting quotes for our pool and deck area. Thanks again we would not hesitate to recommend your fantastic service to our friends."

Renee & Gareth - Upgrader
Winston Hills, NSW

"Thanks again, Kevin, you have been very helpful and informative. It was a pleasure having you help us with our home loan."

Monica & Michael - Upgrader
Baulkham Hills, NSW

"Thank you again, Kevin for your professional & personable service. We are beyond satisfied with the service you have provided. It has definitely made our finance situation when moving house the most non-stressful aspect !! Thank you again."

Caroline & Michael - Upgrader
Glenhaven, NSW

"Information provided by Kevin was comprehensive & timely. He was always willing & ready to help even after business hours."

LL - Refinancer
Kellyville, NSW

"Kevin was always quick to answer emails, continually kept us up to date with our home loan developments and was easily contactable when we needed him to be. It was great having some one as reliable & dependable as he amongst all the settlement stress !!"

MS - Upgrader
Castle Hill, NSW

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.

Download now


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