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Michael Cullinan

Your local mortgage broker & finance experts | Geelong, Bellarine, Torquay & Surf Coast

Home loans can be tricky to navigate, especially if you're just getting started. Our team in Geelong, Surf Coast & Bellarine will help guide you through the process, and with over 20 lenders on our panel, we'll find the right finance option for you.
  • Call Us Mortgage Choice Torquay
  • Office - 0447 528 116
  • Open Hours Mortgage Choice Torquay
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment
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Let us help you find the right home loan. 

Home loans can be tricky to navigate, especially if you're just getting started. Our team in Geelong & Bellarine aim to make the home loan process as easy as possible for you. 

Instead of you spending hours researching home loans, Michael & his team will do all the shopping around and research for you, to find you the right one!

Compare interest rates with our comparison tool

And with over 20 lenders on our panel from the big banks through to specialist lenders, and hundreds of home loan options, we'll find one that feels tailored to you. 

Our home loan service is no cost

One of the best things about our home loan service is that it is no cost to our customer, as your chosen lender pays us a commission after your loan settles.  

Whatever stage you're at, our team are here to help

First home buyer: We'll go through the incentives and grants available to first home buyers, and work with you on stretching your budget & deposit. We can even help you explore guarantor loans to get you into your first home faster.

Next home: There are lots of options available to you if you already own property and are looking to upgrade. Michael & his team will go through the strategies available to you to get you into your next home.

Refinancing: With interest rates at all time lows, it's important to make sure you have still got the best deal. Our team offer a free Home Loan Health Check to review your current loan and see if we can find you something better.

Investing in property: When you have property as an investment, it's important that the structure, rate and features give you the highest return possible. Our team will put together strategies to get you more bang for your buck.

Business & Equipment finance: When you're a small business owner it's important that your finance supports your business growth. As a small business owner himself, Michael understand the importance of good financial choices, and he'll put the work in to get you there.

We're ready to get started 

Michael & Mary from Mortgage Choice are ready to get started on the next stage of your finance & property journey. Whether you're a first home buyer, or planning your financial future - we want to help!

Book your obligation free appointment with us today on 0447 528 116 or click on the Contact Us button. 

We service the areas of: Geelong, Bellarina, Torquay, Surfcoast, Avalon, Lara, Point Wilson, Bell Park, Drumcondra, Hamlyn Heights, Rippleside, Belmont, Grovedale, Highton, Waurn Ponds, Charlemont, Newcomb, Clifton Springs, Curlewis, Drysdale, Mannerim, Portarlington, St Leonards, Point Lonsdale, Queenscliff,  Ocean Grove, Barwon Heads, Connewarre, Bellbrae, Bells Beach, Jan Juc & surrounds. 

Our team can help you with:

Home loans

Investment loans

First home buyer incentives


Personal loans

Business finance

Equipment finance

Car & vehicle loans

Car sourcing



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

From start to finish Michael and Damian have been amazing to deal with. Very helpful, knowledgeable and always willing to answer your questions. Highly recommended

26 February 2024  

Michael and Damien were absolutely amazing helping us with the purchase of our first home. We had some difficult asks from them and they still managed to secure us a loan with no stress. Total professionals and we highly recommend

05 December 2023  

Michael and Damian are extremely knowledgeable, helpful, and responsive. They provide excellent balanced advice and offer a very personalised and professional service. I have engaged Michael and Damian on multiple occasions and have recommended their services to others. You won't be disappointed engaging the team at Mortgage Choice.

03 December 2023  

Very friendly and extremely professional. Thanks guys for making this possible I couldnt have got a loan without you.

06 November 2023  

Michael was very helpful offered stellar advice. Thank you Michael

15 July 2023  

Michael and Damian were extremely helpful every step of our FHB journey Super responsive and didn't dismiss any of our questions. With the guidance of Michael and Damian were able to get in our first home with minimal stress which didn't seem possible before reaching out to them. Highly recommend having a chat with the team at mortgage choice

13 June 2023  

Both Michael and Damian were a great help just a phone call or email away .very prompt and professional .I would highly recommend there services.

22 May 2023  

Great customer service by Michael and we were kept well informed every step of the way. Thanks for all your help Michael

04 July 2022  

Highly Recommend

18 June 2022  

Michael and Damian made the process of buying my first home so easy. They were very helpful and always answered any questions I had very quickly and knowledgeably. Fantastic service I couldnt recommend them highly enough

19 May 2022  

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Property Ownership

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