Welcome to Mortgage Choice Cairnlea | Your local Mortgage Broker & Finance Experts in Cairnlea, Caroline Springs & surrounds

Looking for a home loan, car loan, personal loan, commercial loan ? Talk to Nandini Varma, your local Mortgage Choice broker. Let us research and compare over 20 lenders for you.

  • Office 03 9363 3333
  • Fax 03 93633399
  • Open Hours
  • Free Appointment
Suite 7E, 1st Floor, Cairnlea Commercial Centre, 100 Furlong Road CAIRNLEA, VIC 3023

Keen to buy your first home? Are you interested in building an investment property portfolio for your future? Or perhaps you're interested in getting a loan through your self-managed super fund in order to buy property.  

At Mortgage Choice in Carinlea, we can help you with property loans, commercial loans, car loans, equipment finance and more.

Did you know we don’t just help you with home loans? Talk to us about:

  • personal loans
  • car loans
  • equipment finance
  • business loans
  • commercial loans.  

Talk to us

We'd love to find out more about your property ownership goals and to help you achieve them.

You can rely on me and my team. We will guide you through the home loan process and to find a loan to suit your lifestyle needs.

Finalist, AMA Broker of the Year (2011) - Insurance (Loan Protection and Life) It was gratifying to be recognised in the 2011 Australian Mortgage Awards for my passion for helping clients and their loved ones with insurance solutions.

Recognition as "Every Day Hero " in Annual Conference 2017 by Mortgage Choice.

How we make a difference

I'm a 'can do' professional with a strong belief that service is personal. My role is to make things simple for you, so you can focus on doing what you love! It's why I go the extra mile for my clients.

Better still, I don't charge for my home loan services because the lenders pay us. We're your mortgage broking team for the Brimbank-Melton area of Melbourne.

We recognise that the home loan market is complex and sophisticated, and our core purpose is to get you a home loan in a simple and convenient manner for you.  

We've been helping people from all walks of life with different kinds of lifestyle and financial needs. 14 years of experience goes into everything I do for you.

We help first home buyers, investors and customers looking to 'health check' or refinance an existing loan when their circumstances change.

We also love finding solutions to complex loan scenarios – such as family equity loans, interest only loans, lending to trusts and businesses.

When we find a home loan to suit you, it's like having over 20 lenders competing for your business!  

Whether it's your first home or investment property or you're wishing to relocate to another area or wanting to look at refinancing options for your existing loan, we're here to help.  

Buying your first property

It's commonly believed that you need a large deposit to buy your first home or investment property.

Did you know that, depending on your circumstances, a deposit as low as 5% could be enough to get your foot in the door?

Let's talk about making your first property purchase stress-free and enjoyable.

Finding you loan protection insurance, life insurance and more

Through our relationship with Australian Life Insurance, we can help with:

  • loan protection insurance
  • life insurance
  • general insurance.    

How we can help you

  • Analyse and understand your home loan needs
  • Review your financial and property ownership goals - Find you a suitable home loan from over 20 banks and lenders
  • Manage the entire home loan application process, keeping you informed at every step - assist you with the home loan paperwork process from start to finish
  • Stay in touch with you from when you enquire about a loan, apply for your loan through to settlement and beyond
  • Working with you, for life
  • and supporting you when your circumstances change.    

Areas I service

I cover Melbourne's western suburbs: Ardeer, Sunshine, Braybrook, St Albans, Albanvale, Kings Park, Deer Park, Deer Park North & East, Cairnlea, Burnside, Burnside Heights, Caroline Springs, Rockbank, Plumpton, Melton, Ravenhall, Tarneit, Truganina, Taylors Hill, Hillside, Delahey, Sydenham, Watergardens, Taylors Lakes, Kealba, Keilor Downs, Keilor Downs Lodge, Keilor Lodge and the rest of Australia through requests and referrals.    

Let's get started

Give us a call on 03 9363 3333 or 0418 166 866 or use the ‘Contact Us’ link at the top of the page to set up a time to meet. We can meet in our new Cairnlea offices or we can come to you. We look forward to meeting you.

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. ~




























"On behalf of our family, we would like to thank you for all your help rendered during processing our loan. The process was stress-free and you kept us informed at each and every step along the way."

Noel B & Sharon C - First Home Buyer
Caroline Springs, VIC

"Your friendly, professional yet personal service together with the care, great effort and time spent with me was more than what I could expect and what many do not offer. You save me much time and effort by crunching all the figures and sourcing the best deal suitable to my needs."

Claudelle M - Refinancer
Taylors Lakes, VIC

"I have been very satisfied with the level of professional and dedicated service that I have received."

Hung N - First Home Buyer
Thomsatown, VIC

"I have had association with Nandini over many years. She has been quite invaluable in her assistance and support in helping me make the right choice and the best decision. She goes that extra step to ensure that you are satisfied not only with your choice but the service she provides. I have already recommended her to many of my family and friends."

Diana U - Refinancer
Keysborough, VIC

"Very helpful, understanding, non-judgemental, professional and competent with the process from start to finish."

S & J A - Refinancer
Caroline Springs, VIC

"I have been dealing with Nandini Varma for more than 15 years and have engaged her with all my major financial investments. Excellent service and advice was always provided."

Gerard Daniels - Refinancer
Alexandria Heights, WA

"Our mortgage broker has been a pleasure to deal with. We trust that she goes beyond to ensure our needs are met and she explains everything so well.

Nick & Emily Hua, - Refinancer
Mont Albert , VIC

"Nandini provided an excellent and friendly service, extremely helpful through the whole process. She had my best interest at heart and worked hard to get me the best possible deal. I have no hesitation to go back to her for any future purchase and definitely will recommend her to my family and friends."

Alison H - Refinancer
Deer Park , VIC

"We are very happy with your service - please keep being yourself ! You treat customers with lots of care and make them feel very special. We really felt very supported and looked after every step of the way."

Amal M & Nicola M - Refinancer
Keilor Downs, VIC

"Excellent service, very friendly, focussed on customer needs, excellent response time and after sales service. Fully satisfied with her service and we will use her services again.

Dr A K - Property Investor
Balwyn North, VIC

"Mortgage Choice through Nandini , has assisted me with the purchase of my home through sound advise, ie. options available in the finance industry, where I am better off. When she says she will work with you to achieve your goal, she meant every word of it.

It has always been a pleasure working with Nandini. Since the time I bought my first home in November 2008 up until this time, I always go back to Nandini . For a trusted, professional
service. "

Leia J - Refinancer
Geelong, VIC

"We had a wonderful experience dealing with Nandini and were also communicated very well by Nisha, We always felt like we had our best interest in front of their mind."

Mr S & L Cannon - First Home Buyer
Williamstown, VIC

"Nandini worked with us, over a three-year period, to consolidate our various debts, after clearing up our credit history. She kept persevering over this period until we achieved our goal. We are very grateful to Nandini for her untiring effort and outcome-oriented approach."

M & B D - Refinancer
Taylors Hill, VIC

"Nandini kept us upto date on the progress of the loan at every stage. She was quick to answer questions and follow up with the bank. Living a busy life it made it easy trusting Nandini and her team to do all the work , taking the stress out of dealing with the bank."

H & C Daniels - Refinancer
Lynbrook, VIC

"Excellent professional service from Nandini. She is the reason we will keep returning to her for all future home loans. Thank you so much Nandini, we really appreciate your assistance."

Venda N & A - Property Investor
Burnside Heights, VIC

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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