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Nicole Nation

Meet the team from Mortgage Choice St Marys

Mortgage Choice St Marys was established in 1998 by Des Nation. Effective May 2019, Des's daughter; Nicole, who has worked with Des for over 17 years has taken over the family business with Des now officially retired.

We are extremely proud and confident in assisting all prospective Home/Investment loan customers to achieve their dreams and obtain the necessary finance to complete whatever the process is.

Our wealth of experience is shown as individuals and a caring personalised attitude has assisted over 3000 clients, many of whom return to use our services time and time again. Check out what some of our clients have said in their testimonials

Call us on (02) 9833 8177 to make an appointment to see how we can help you today.


Nicole Nation

Nicole Nation

Hi, my name is Nicole and I have taken over the Mortgage Choice St Marys franchise (Effective May 2019) from my father (Des Nation) as he slowly takes steps into retirement.

Des started the Mortgage Choice St Marys franchise back in 1998 and I started working him in 2002 after an opportunity presented itself and I'm glad I did. Des & I have always worked very well together which makes me still feel happy to go into to work each day.

When I first joined the Mortgage Choice St Marys team, I started as a Loan Processor / Administrator / Reception, through the years I’ve enjoyed liaising with Clients, Lenders, Solicitors, Conveyancers & Real Estate Agents to ensure finance is obtained in a timely manner.

Since taking some time off to have 2 children, I’ve completed the Certificate IV in Finance and Mortgage Broking and Diploma of Mortgage Broking Management which meant my role changed to Mortgage Broker. I genuinely enjoy helping people so this step and now more recently taking over the business, were easy decisions to make. 

For now, nothing will change for our clients, both Des & I will still be assisting everyone as we previously have, however over time Des will slowly back away into retirement - which is fully deserved given his almost 50 years working history in the Financial Industry! 

I have personally bought and sold multiple properties and dealt with a multitude of lenders for varied circumstances, this personal experience helps me to relate to my clients and their personal circumstances. I would love nothing more than to keep this family business thriving for at least another 21 years, so please don't hesitate to give me a call on (02) 9833 8177 or send me an email nicole.nation@mortgagechoice.com.au to see how I can help you whilst giving you personalised caring service.

In 1998 my wife & I decided to take the opportunity to buy my own Mortgage Choice franchise, and a open a shopfront office on Queen Street, St Marys. Prior to this big step in my career, my background has always been in Banking in Finance; having worked for ANZ for almost 25 years and a few years as Mortgage Broker with Aussie Home Loans.

The past 20 years as a Mortgage Choice franchisee has been a truly rewarding journey. Many clients now call me ‘Uncle Des’ which is humbling to hear so many people are grateful for the advice and service I strive to provide to them. I enjoy seeing people come back time and time again and refer their friends and family to me.

On a personal note, in my spare time I enjoy watching the NRL and have supported the Tigers all my life. I also cherish spending time with my wife, 2 daughters and 4 grandkids.

Update as at May 2019:

I have recently made the decision to pass the baton to my daughter Nicole and take a back seat in the business with the view of slowly moving into retirement. Nicole has now officially bought the business from me and is enjoying now bossing me around! :-) I've worked in the industry for almost 50 years and whilst I still enjoy speaking to people about their finances, I believe it's time to start the process into retirement.

Nicole has picked up extensive knowledge whilst working with me over 17 years, I'm sure our loyal clients (and new) will see Nicole has the same desire to help people and willing to go the extra mile to help all she comes in contact with.

Further update as at May 2020

Due to the unprecedented COVID-19 situation, I have decided to relinquish my credit licence and have officially retired. I would like to thank the many clients and well wishes that Nicole continues to receive, I wish everyone a safe and prosperous future.

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