Nicole Nation & Des Nation - local Mortgage Brokers for St Marys, Penrith and surrounding suburbs

We are a family run business in the Western Sydney suburb of St Marys. We give professional caring advice to all of our clients and have been doing so for over 20 years! Call our office today (02) 9833 8177 to see how we can help you too

St Marys
  • Office 02 9833 8177
  • Fax 02 9833 9647
  • Open Hours

  • After hours by appointment Free Appointment
1/211 Queen Street ST MARYS, NSW 2760

Latest home loan interest rates

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Win 2 years' worth of interest on us!^

Take out a home loan with us and you could win 24 months' worth of interest on us! What would you do with the savings? 

Our office is located in Queen Street, St Marys, we opened our doors 20 years ago. During that time we have been able to assist in excess of over 2500 clients.

Our staff at Mortgage Choice St Marys are ready to assist you with any enquiry you have, whether it be:

  • Home Finance
  • First Home Buyer
  • Investment Properties
  • Land & Construction Loans
  • Refinances
  • Debt Consolidation


Our services don't end with Home Loans; we are able to offer you more choice for:

  • Car Finance
  • Car Buying Service
  • Personal Loans
  • Vehicle Leasing
  • Equipment Finance
  • Commercial Loans

Our team are dedicated to providing service beyond expectation and will leave no stone unturned to ensure you buy your dream home, buy that important investment property or simply ensuring you have the best Mortgage product to suit your needs at the best rate available.


We get paid the same commission regardless of which home loan you choose, as long as it's a residential home loan with one of the 20+ lenders on our panel. This ensures we're focused on the right outcome for you.

Don't take our word for it, take a look at what some of our loyal clients had to say about our services.

Check out our home loan calculators  or EGuides for further information, otherwise, please direct any enquiry to our office on 02 9833 8177

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. ~




























"Thank you for all your hard work in relation to my refinance, it was very appreciated. Look forward to speaking with you again in a few years!"

J Rockliff - Refinancer
Penrith, NSW

"We would just like to say a big thank you for helping us in buying our first home and we really appreciate all you have done for us."

D & J Gordon - First Home Buyer
Colyton, NSW

"I wanted to take this opportunity to thank you all for the work you did on completing my home loan. I really appreciate all the time and efforet you all put into it. I have been recommending you all to everyone I know. Thank you, Thank you, Thank you."

K Sprycha - Upgrader
Cranebrook, NSW

"Thank you for making our first experience as home owners such an easy experience! We can't believe how easy it was! Thanks again & we will definately be recommending your services to all our family and friends!"

K&G Warnke - First Home Buyer
Cambridge Park, NSW

"To the greatest Home Loan Team - thanks for going the extra mile!"

Claxton - Upgrader
St Marys, NSW

"Thanks for all your help & persistance during the purchase of our new home. We really appreciated being able to deal with such friendly and helpful people - it really helped to ease our anxieties."

A & M Hinton - Upgrader
West Pymble, NSW

"We liked how we were kept informed about our loan application regularly. The Staff were happy to explain things at our request & were pleasant to deal with. Thank you again!"

M. Long - Upgrader
Glenmore Park, NSW

"I have had a relationship with Mortgage Choice for a number of years now & I just wanted to document my absolute satisfaction with Mortgage Choice St Marys.

The staff were the balance that was required in such a delicate situation, they were kind, considerate, able to communicate with and more importantly always under promised and over delivered.

Their can - do approach and great work ethic make them an absolute pleasure to deal with."

P. Hennessy - Upgrader
Glenmore Park, NSW

"We have already recommended Mortgage Choice at St Marys to our friends, and wouldn't hesitate to use them again. Des and his team are extremely helpful and efficient. We couldn't have done it without them. Thank you."

L Tanti - Refinancer
Werrington County, NSW

"I would like to thank Des & the team at Mortgage Choice St Marys for the outstanding support.

The quality of service is second to none.

Thank you so much."

T. Loveridge - Refinancer
Colyton, NSW

"Thank you Des for everything!
As first home buyers the experience is very confronting and confusing. You and your team made everything so easy.
You were patient and fantastic at explaining all aspects of the loan and went out of your way to help us by answering any questions we had day or night. It has been a pleasure."

E Morrissey - First Home Buyer
Parramatta, NSW

"I have been dealing with Des & his team for the past 15 years for mortgage options advice & refinancing. I have found them to be very professional, friendly & would have no hesitation in recommending them to family & friends etc.
Thanks again Des & your team for all of your help, assistance, Honesty & integrity over the years. I will look forward to seeing you in the future for all of my Mortgage needs."

M. Tesluk - Refinancer
Emu Heights, NSW

" Des, the service was excellent & your team are fantastic they took the worry out of everything"

SB - Upgrader
The Entrance, NSW

Refinancing guide

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

Download now


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