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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. ~

Client reviews

I'm delighted to share my experience with Ralph. Ralph's invaluable support and extensive knowledge made our home buying journey an absolute joy from start to finish. his expertise is unmatched, whether it was day or night, he was always there to address our concerns and questions, we couldn't be happier with our experience.

07 September 2023  

We have been clients of Ralph and his team at Mortgage Choice Neutral Bay for over 10yrs and in all our dealings with them throughout this time we know that everything they do is in our best interests which is incredibly reassuring for a young family. Ralph is always there to answer your questions and provides you with clear messaging which is so important when making a decision of such importance. We... read more

29 August 2022  

After the great experience we had dealing with Ralph and Susie, I wouldnt go anywhere else for a home loan.

28 August 2022  

Ralph and Susie were a pleasure to work with. Prompt with communication, abreast of all market changes and very proactive. Would absolutely recommend

27 August 2022  

I contacted Ralph when I needed to get advice, info and guidance on purchasing my first home. Ralph went above and beyond to insure I understood each step from application to settlement. One of the most important components for me was clear and continuous communication. Both Ralph Susie kept me up to date with everything. They are a very professional team and I highly recommend their expertise.

18 July 2021  

I enjoy working with Ralph and his team at Mortgage Choice Neutral Bay. Ralph is professional, reliable, trustworthy, has great knowledge of banking industry and is able to find the right loan for his clients. Ralph and Susie are easy to work with and they know what needs to be done and when so settlements happen without delays.

18 July 2021  

Ralph provided us with an excellent service. As new home buyers he took the time to educate us and made sure we were completely comfortable with the process We had a very short settlement period and Ralph made it easy and stress free.

18 July 2021  

The first time I experienced the services of Ralph Delaat, was in 2002, when looking for finance on my first investment property. On that occasion, Ralph set the standard to which I have become accustomed.
His understanding of the buying process, including the various different lenders' requirements loan to value ratios, loan serviceability requirements, employment history, etc. meant that he could re... read more

18 July 2021  

So thankful for the support and advice offered by Ralph. Buying our first home was initially very daunting, he sat with us , was patient and repeated himself many times without getting frustrated, provided education and went over and above to make sure we understood and made informed choices. He also found us such a great rate and mortgage structure that suits us. I highly recommend Ralph and the team, couldn't have asked for a better experience.

18 July 2021  

Ralph Delaat is our mortgage broker from Mortgage Choice and we could not recommend him more highly Right from that very first phone call, we were impressed by his communication skills and ability to put us at ease. Ralph is very experienced, knowledgable and able to translate the home loan process into terms we could easily understand. He was extremely responsive and thorough and we feel so grateful... read more

18 July 2021  

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Refinancing guide

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

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