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Ralph Delaat

Mortgage Broker Neutral Bay, Mosman, Cremorne, Cammeray - Your Local Home Loan Expert, Ralph Delaat

Looking for a great home loan deal? We're your local mortgage brokers in Neutral Bay and can compare hundreds of home loans to find the one that's right for you.
  • Call Us Mortgage Choice Neutral Bay
  • Office - 02 9908 7800
  • Fax - 02 9908 7822
  • Open Hours Mortgage Choice Neutral Bay
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment

Shop 2, 211 Ben Boyd Road NEUTRAL BAY, NSW 2089
We are your local mortgage brokers on the Lower North Shore! We can help you with Home Loans, Investment Loans, Personal Loans & Business Loans.

We pride ourselves on providing a consultative personalised service to all of our clients. Our job is to source the most cost-effective loan option for you (this saves you money), from our choice of dozens of lenders and hundreds of home loan products (this saves you research time).

Once selected:

  • I'll lodge the application
  • liaise with the lenders
  • keep you up to date with how the loan is progressing all the way through to settlement.
We have over 30 years of experience in the finance industry!

With over 30 years of experience in the finance and banking sector, I've helped hundreds of local clients on the Lower North Shore and other areas of Sydney with their home loan needs.

If you would like to find out more information about your borrowing capacity or the home loan process, make sure you check out our free home loan resources below!

Ralph Delaat from Mortgage Choice Neutral Bay can help you find a home or commercial loan that suits your needs, not the lenders! Also, because Mortgage Choice isn't owned by a bank (unlike some other mortgage brokers), you can rest assured that I have your best interests at heart.

Hear what some of our customers have to say! 

As your local Mortgage Choice broker in Neutral Bay, Ralph can come to you, or we can meet at my office located at 211 Ben Boyd Road, Neutral Bay 2089.

Contact me today on 9908 7800 or mobile 0407 273 048.

Mortgage Choice Neutral Bay services!
Our home loan service doesn’t cost you anything!

At Mortgage Choice Neutral Bay, our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

Please contact Ralph Delaat if you need help with any of the following:

  • Buying your first home, including obtaining the First Home Buyer Grant (FHOG)
  • Buying your next home
  • Investing in property
  • Accessing your equity to finance renovations or further investments
  • Reducing your monthly payments by refinancing/debt consolidation
  • Loans for small business owners, residential and commercial.

Servicing: Sydney's Lower North Shore including North Sydney, Milson's Point, Cammeray, Mosman, Neutral Bay, Cremorne, Spit Junction, Wollstonecraft, Waverton.

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. ~

This is the second time that we have dealt with Ralph and his team at Mortgage Choice. We did not think that it was possible to improve on the excellent service which we received during our first purchase, but we were wrong. Ralph and the team have shot the lights out by providing excellent, personable and very professional advice during our second business engagement. We have no hesitation whatsoever in recommending Ralph and the team at Mortgage Choice to our friends and family. Thank you guys, you've done it again!

Michael and Sharon Pesch, Neutral Bay, NSW
- Property Investor

Ralph and Susie were both excellent at keeping us updated throughout the process. As a couple with no idea about mortgage options Ralph has been excellent at educating us and providing us with information and support. We would gladly recommend their services to anyone.

Edward Payne and Laura Southwood., Neutral Bay, NSW
- Refinancer

Ralph and Susie have always provided us with excellent service. Ralph is very proactive at ensuring we get and maintain the best deal over the years and keeping us well informed of everything from ensuring our paperwork was in order, negotiating roadblocks through to closing the deal! Thanks team. Highly recommended.

Michal Tarlowski and Mariah Colella, Neutral Bay, NSW
- Refinancer

Ralph has provided an excellent service as a mortgage broker. He took me through the home buying process patiently given I’m a first time home buyer. He offered me the best rates in the market and provided timely updates on any changes to the rates. He was able to act quickly to help me meet my settlement timeline. Couldn’t be happier with the service! Many thanks for being part of my home buying journey!

Ching-Hsiao (Sabrina) Wu., Neutral Bay, NSW
- First Home Buyer

Working with Ralph is always a pleasure and we would highly recommend him (and do) to all of our friends.

Samantha O'Brien and Michael Ryan., Neutral Bay, NSW
- Upgrader

Mortgage Choice Neutral Bay made the refinancing of my home loan a seamless and pain-free experience. I would have no hesitation in recommending their services to anyone looking to change their financial service provider. Brad Schmitt

Brad Schmitt, McMahons Point, NSW
- Refinancer

My partner and I stumbled across Ralph Delaat on the Mortgage Choice website, and I'm so glad we did! From the start of investigating different home loans, right through to the negotiations and purchase of our property, Ralph's guidance and advice was invaluable. No question was either too silly or complicated - very reassuring for a first home buyer, and he had loads of great 'insider' tips that I believe helped us secure our dream first home. We look forward to working with him in the future!

Bonnie Cleaver and Dominic Bayley, Cremorne, NSW
- First Home Buyer

The service was impeccable - they kept me up to date with the process, counselled me through set backs, were always pleasant and most of all worked diligently on my loan.

Edward Mullin, Rose Bay, NSW
- First Home Buyer

Ralph and Susie, thank you for all the hard work you did to organise our loan. Bob ,Rebecca and I are very much appreciative of all you' ve done and wish to say thank you so very much.
We will certainly contact you if we require any assistance in the future.

Kind Regards, Bob, Kay and Rebecca

Kay Hazelwood, Singleton, NSW
- Upgrader

We were really impressed with the service at Mortgage Choice Neutral Bay. Ralph and Susie helped make securing our first home loan a pain-free experience. Good advice was followed with regular updates at every stage of the process. We felt confident that all would proceed smoothly, and it did. Many thanks.

Jacqueline Taffel and Mark Kilmurry, Cremorne Point, NSW
- First Home Buyer

You guys were a 10....easy. Couldn't ask for anything more. And if ever there was a test, this loan was up there!!

Adam and Leeann King, Balgowlah, NSW
- Upgrader

Ralph and Susie demonstrated a tremendous blend of professionalism and care throughout the process. We were well informed at all stages and never patronised. Response times were truly outstanding, we work in a customer focused business and it is good to see how high standards were consistently met.

Roger and Jilly Ringwood, St Ives, NSW
- Upgrader

We were very happy with the service provided by Ralph and his team. They were always quick to respond to our queries and we felt very much in safe hands throughout the process. Thank you for making a difficult application easy and helping us to purchase our first home.

Stephanie and Daniel Franks, Frenchs Forest, NSW
- First Home Buyer

Ralph was recommended by a colleague when we desperately needed some help with our previous mortgage. During the first phone call with Ralph, it was clear that there were much better deals for us than our previous broker told us. The appointments were quickly made and in no time the refinance was done. We highly recommend Mortgage Choice Neutral Bay! Thanks!

Margo and Pieter Hoekstra, Northern Beaches, NSW
- Refinancer

Ralph was a pleasure to deal with in the lead up to, and while arranging our mortgage. Even when we changed our minds about a rather significant detail, Ralph was quick to sort things out with the lender and keep our application on track. I have already recommended Ralph to friends and will continue to do so.

Shaun and Claire Hulley, Manly, NSW
- Upgrader

Refinancing guide

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

Download now


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