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Nandini Varma

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.
  • Call Us Mortgage Choice Cairnlea
  • Office - 03 9363 3333
  • Open Hours Mortgage Choice Cairnlea
  • Mon - Fri: 9 am - 5:30 pm
    After Hours: By appointment
  • Free Appointment

Suite 7E, 1st Floor, Cairnlea Commercial Centre, 100 Furlong Road CAIRNLEA, VIC 3023
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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. 15 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. ~

Google Reviews

Zelko Pirsl

14 Apr 2022

Nandini from Mortgage choice Cairnlea has been such an important part of our property purchase journey.Her patience and professionalism over the past 3 years has made our proper...

Richy Vong

26 Mar 2022

I highly recommend Nandini. Keeps communication consistent throughout the home loan process and makes things easy to understand. Also very lovely to interact with. ??

Tu Phan

07 Feb 2022

Nandini from Mortgage Choice was a pleasure to work with. I don't have enough words to describe the amount of effort and time she dedicated to my partner and I. She did everythi...

Sibina Schnabel

30 Jan 2022

Nandini has been a huge help in helping me to get a loan for my new car. She was patient explained everything that was needed in great detail and was quick to respond whenever i...

Rasha Z

25 Nov 2021

Nandini is an amazing mortgage broker, as first home buyers she talked us through the whole process and government incentives; with professionalism and kindness along each step...

Nickita Dahya

17 Sep 2021

Nandini has been helping my family out for the last 10 years, from purchasing our first home to refinancing our mortgage several times & she will always find the best options fo...

Evelyn Gamboa

11 Sep 2021

Nandini has been an absolute help with everything and was always patient with us. We appreciate all the work and effort she has put in - we now have our house that we can call h...

Arun Kumar

10 Sep 2021

Nandini and her team provided excellent service. Nandini is customer focused, dedicated and has excellent response time. I am very happy with her services and would strongly re...

Mimi Dom

10 Sep 2021

Nandini is very helpful and professional she ensures she gets the best results and she has helped us on many occasions thankyou again Nandini

Bev Smith

08 Sep 2021

Nandini has been so helpful and professional with purchasing our property. She was always so responsive with any queries we had and is clearly passionate about helping people th...

Daniel Svoboda

16 Aug 2021

Very satisfied with the professionalism and the level of service provided. Nandini has been extremely helpful and I couldn’t be more satisfied with the assistance she provided m...

Makhan Jassi

29 Jun 2021

I would definitely recommend Mortgage Choice in Cairnlea to anyone and everyone who is in the market for a Home loan, Investment loan, Personal loan or any type of loan. Because...


24 Jun 2021

Nandini and Nisha did a fantastic job with sorting out my first mortgage, I couldn't be more thankful! Nandini ensured she was present and responsive throughout the process, she...

Madeline Venda

18 May 2021

Nandini and Nisha were both extremely helpful in assisting me with purchasing my first property. Nandini had assisted my family on previous occasions over the last decade and ha...

Vaibhav Katiyar

30 Apr 2021

Nandini and her team at Mortgage Choice has been my go to option for all my home loan needs. I have been associated with her for over 2 years and all I have is high degree of pr...

Ani Gupta

22 Apr 2021

Nandini's level of professionalism, diligence and responsiveness to her clients is something rare in the industry. I highly recommend her to anyone looking for a reliable and hi...

vikas kumar

03 Mar 2021

Nandini and Nisha are an absolute treat to work with. Nandini is very well organised and is extremely helpful. She takes additional pains to support and assist in every possible...

Baha S

05 Feb 2021

Fantastic mortgage broker. Nandini's been my broker for over 8 years I and couldn’t be happier. Always helpful, informative and a lovely person. She always does her best to get...


29 Jan 2021

Nandini is the go-to choice! She has helped us out so much throughout the last 12 months. She's worked so hard to help us meet almost impossible deadlines and always goes above...

Tuan Le

29 Oct 2020

Nandini was extremely helpful and assisted me to get my dream house. I have just had my settlement today and I loved the service that Nandini and her team have provided to me du...

Andrew Buttigieg

25 Sep 2020

Nandini and Nisha were absolutely fantastic in helping us refinance our home loan. They were always very helpful and available to answer any questions and to help us through all...

Simon Donaldson

24 Jun 2020

Nandini and her team, helped me with every single step in purchasing my first property. I didnt really know too much coming into the journey but thankfully Nandini guided me thr...

Jules Vincent Jusayan

26 May 2020

The team is very responsive throughout the whole journey. They have explained the process to us and guided us alongway. They even accomodated us even in late evening meetings af...

Kumuda Doreswamy

25 May 2020

Nandini was very professional and helpful throughout the process of obtaining the home loan and the settlement. The entire experience was hassle free and I would highly recommen...

Dustin D'Silva

25 May 2020

Excellent Customer Service, Nandini and the team were very professional and informative, they showed a great understanding of the business and would highly recommend

Jem M

01 May 2020

Nandini and Nisha helped us through our land and construction loan. Our land title has been delayed for four years but they worked consistently and patiently through the years....

Emma Kennedy

04 Mar 2020

Nandini was amazing in helping me and my partner get an understanding for our first home. We can’t thank her enough for making us feel so comfortable and supported!!!

Denise Gamboa

03 Mar 2020

Would definitely recommend Nandini, she's very knowledgeable and kind. She goes the extra mile and works very hard!

Fayaz Shaik

07 Jan 2020

We will recommend Nandini Verma greatly. She deserves more than 5 stars rating for the service provided. She understood our needs and guided us through out the process including...

Mark pace

23 Oct 2019

We highly recommend Mortgage Choice in Carinlea. Nandini and Nisha were a fantastic help with our home loan. Nandini helped so much with our finances with a great professional s...

Pragnesh Patel

26 Sep 2019

Nandini ji has helped us in every moment while our loan process was and still she is helping us whenever we need help. She has been very friendly, Approachable and reliable pers...

Madi Wilson And Lara Wilson

12 Aug 2019

Nandini & Team are the most caring and professional team I’ve dealt with. They all took the time to know me and my family and worked extremely hard to help me purchase my home....

See all Google reviews

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, Caroline Springs, VIC
- First Home Buyer

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, Taylors Lakes, VIC
- Refinancer

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

Hung N, Thomsatown, VIC
- First Home Buyer

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, Keysborough, VIC
- Refinancer

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

S & J A, Caroline Springs, VIC
- Refinancer

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, Alexandria Heights, WA
- Refinancer

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,, Mont Albert , VIC
- Refinancer

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, Deer Park , VIC
- Refinancer

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, Keilor Downs, VIC
- Refinancer

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, Balwyn North, VIC
- Property Investor

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

Leia J, Geelong, VIC
- Refinancer

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, Williamstown, VIC
- First Home Buyer

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, Taylors Hill, VIC
- Refinancer

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, Lynbrook, VIC
- Refinancer

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, Burnside Heights, VIC
- Property Investor

Refinancing guide

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

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