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Neeraj Malhotra

Your local Mortgage Broker. Specialising in Home Loans, Refinances and Property Investment, Commercial Property Purchase, Asset Finance.

Talk to Neeraj Malhotra, your trusted mortgage broker in Hornsby, Cherrybrook, St Ives and the surrounds, about your home loan today.
Neeraj is available at a time and place to suit your busy lifestyle.

With over 30 lenders on our panel, we provide access to thousands of home loans & expert support to help you find the right solution as per your requirments.

  • Call Us Mortgage Choice Bella Vista
  • Office - 0423 025 900
  • Open Hours Mortgage Choice Bella Vista
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment
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Start your home loan journey today

Mortgage broker Hornsby, Cherrybrook and St Ives

With more than 15 years in the banking and finance industry, Neeraj Malhotra has all the skills and expertise needed to support you in your home loan journey. Specialising in a wide variety of loan types, including commercial and asset loans, Neeraj is dedicated to helping his clients achieve their dreams and secure their financial future. He is passionate about finding the right loan for your circumstances and will take the time to listen to your needs and preferences. 

In his free time, you can find Neeraj walking his two dogs, travelling, and finding the best new restaurants in the area. If you’re ready to buy a property, get in touch with Neeraj as soon as possible to discuss your options.

Upgrading your home

Is your home feeling a little cramped or outdated? Instead of buying or building a completely new house, an upgrade could be just the thing you need to freshen up your space and improve functionality. There are several ways you can finance a home upgrade, including

  • Cash
  • A construction loan
  • Using your equity

Each method has its merits and drawbacks, and the right solution will depend on your specific needs and financial situation. Neeraj can walk you through the process and help you make an informed decision - the entire process is a breeze with him as your mortgage broker. 

Learn more about the process of upgrading your home with our free, useful guide. Download it now!

Download the guide

Talk to Neeraj today about your home loan prospects

We can also help you with

  • Home & Investment Loans
  • Refinancing
  • Commercial Property Loans
  • Small Business including Franchise Lending and Cash Flow
  • Asset & Equipment Finance 
  • SMSF Lending 
  • Personal Loans
  • Construction Loans

Frequently asked questions

Do I really need pre-approval?

While pre-approval is not strictly necessary to secure finance, it does have many benefits. Pre-approval gives you a clear idea of how much you can borrow, which allows you to budget your repayments better and avoid overextending yourself. It can also help to show sellers that you are serious and ready to purchase, and help the financing process run smoothly once your offer is accepted. With Neeraj, pre-approval couldn’t be simpler - he will take care of the entire application process, saving you time and stress.

Should I choose a fixed or variable rate loan?

While a variable rate leaves you more vulnerable to rate fluctuations, these types of loans also tend to offer more flexibility in terms of features and conditions. Ultimately, the decision will come down to your own financial situation and preferences, as well as broader economic considerations. Talk to Neeraj today to find out more!

What is my borrowing power?

The amount you can borrow for your property purchase is determined by factors such as your income and financial commitments. Neeraj can weigh these up to inform you of your borrowing power, helping you narrow down your house search with a concrete budget. In the meantime, get a clearer idea with our free online calculator tool.

Calculate your borrowing power

Contact Neeraj Malhotra on 0423 025 900 to start the home loan process today

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

Neeraj Malhotra is a super-broker He made the entire process of a home loan grant simple, easy and relatively quick. He understood the type of loan arrangement we required, and subsequently, presented us with a few options to choose from. You could tell he had the experience and the knowledge needed. And, if the process got a bit lengthy at some stage, he was always a phone call away and kept us up... read more

07 March 2024  

I found Neeraj from Mortgage Choice to be helpful and communicates extremely well.
Going through my investment loan I had no issues and the process was easy and fast thanks to Neeraj.
Would highly recommend using Neeraj from Mortgage Choice.

19 February 2024  

I definitely highly recommend Neeraj and his team, who guided us through this home loan refinance and made this deal closed. Neeraj has provided us with exceptional service, and with his strong banking knowledge, he had got our loan settled without any hassle. He was always there for us throughout the journey .. highly recommended.. Thank you ..Aman and Sheetal

13 February 2024  

Mr Neeraj he is a nice man and he do everything on my process very fast and always he look after me and for every single thing he comes up and explains to me what was the thing and Im so happy with him and I said thanks really Mr Neeraj

12 January 2024  

My experience with Neeraj was great as he got my commercial deal approved without any security. He is extremely experienced as was a banker before and completely understands the processes and paperwork involved . I will definitely come back for my lending needs to Neeraj in future and I strongly recommend him to everybody to find the right lending solutions.

11 October 2023  

I have availed Neeraj services for commercial as well as asset finance and his knowledge is second to none. He is very thorough and has a great product knowledge which shows his banking experience of 15 years. I wish you all the best in your new role.
Thanks Neeraj

04 October 2023  

Neeraj knows his stuff and is extremely patient in explaining things to me. I admire his persistence in getting the best possible rates for my complex situation. Highly recommend and I'll definitely use his services again when the need arises.

27 September 2023  

Read more reviews

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.

Download now


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