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Ralph Delaat


Average client rating
5/5 From 42 Reviews

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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 have recommended Ralph to family and friends and will continue to do so for many years to come James and Corinne.

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  


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 recommend the most suitable lender to me, without me having to approach multiple lenders myself.
His continual feedback of the application status as we went through the process meant that I could leave that with him, while I could focus on other things.
Fast forward almost two decades and he has been an integral part of me building an investment portfolio of properties. Providing the loan is not the end game for Ralph. During those two decades, he has regularly contacted me as interest rates and lending practices have changed. This has resulted in me refinancing several times - each time obtaining improvements in cost effectiveness.
I thoroughly recommend Ralph for all of your property financing needs, whether for your own residence, or for your property investments.

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 for the service we received. Susie was also excellent on settlement day. You can rest assured that you are in safe hands.

18 July 2021  


Ralph and Susie provided an amazing customer experience, taking care of the end to end process of switching lenders, coordinating all the different parties involved while keeping our involvement to the bare minimum. The communication was great too at every stage of the process. Thanks a lot for your great work

18 July 2021  


Ralph is a professional in every aspect. I highly recommend him for all your finance needs.

18 July 2021  


Ralph is the best mortgage broker in Sydney. I've been using Ralph's services for over 20 years. What sets Ralph apart from other mortgage brokers is his financial and industry knowledge. I wouldn't trust anyone else to manage my affairs.

18 July 2021  


I am very, very happy with my choice to work with Ralph Delaat for my refinancing. He is responsive, informed, and managed the whole process from start to finish. As a professional client, I am happy to say that the high level of service is exactly what I needed and received.

18 July 2021  



Our third home purchase with Ralph and Susie, and another fantastic experience. Great guidance and coaching through a major life decision, with friendly and responsive engagement throughout the process.

Ian & Ashley
10 December 2020  



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.
24 June 2020  



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
24 June 2020  



Ralph is very knowledgeable and friendly. I felt I got the best outcome and he was invested in me getting the best possible deal for my situation. All details were explained very clearly and our many many questions were answered. Updates regarding the progress of the loan settlement were frequent and very helpful.

Stephanie Easterbrook
23 June 2020  



Fantastic Experience - Great knowledge and communication from Ralph and Susie throughout the entire process.

John Polesso
23 June 2020  



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.
23 June 2020  



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.
23 June 2020  



Ralph was extremely professional and Efficient with all our home load enquiries. Ralph was able to get us the best rates and loan for our financial needs. I would recommend mortgage choice and Ralph to anyone in need of financial advice. Thanks again we know have the home of our dreams

David and Pip Lloyd.
23 June 2020  



As a first time home buyer, Ralph's advice and insight into the mortgage industry was invaluable. He was generous with his time, made excellent recommendations which suited my situation and was able to secure a great interest rate for my loan. I could not have hoped for better service and could not have done it without his help! I will be recommending him to all my friends and colleagues.

Aran Alexander
16 December 2017  



Wonderful service from Ralph and Susie. We continue to use them for all of our family mortgages - not only do we feel we get the best rates, their service throughout the entire process is just superb. The banks have a lot to learn! Well done!

Jeffrey Tobias
16 December 2017  



Ralph and Susie of Mortgage Choice had to pull out absolutely all the stops to help us secure our mortgage, but seemingly no challenge is too great for them. I remember a number of after-hours telephone calls with Ralph as he worked overtime to find and explain all of our choices and options. Due to Ralph and Susie's hard work and dedication we settled right on time with no issues at all. Thank you so much Mortgage Choice. We now have our dream home and little patch of paradise to raise our newborn son in, and it's all thanks to your help!

Matt Thomson and Abbie Wright
16 December 2017  



Working with Ralph and Susie was an end to end great customer experience. The transition from one bank to another was seamless and required no effort from us. The team provided regular updates and worked well professionally as a team - the left always knew what the right was doing and vice versa. Fantastic team!

Hans and Lisa Buchler
16 December 2017  



We met with Ralph a couple of times to discuss the best options to finance our new home. We both work for a large blue chip financial institution, and Ralph worked extremely hard to get us the best deal possible and it worked out to be a much cheaper deal than our own staff offer.

Chris and Nadia Wildman
16 December 2017  



Ralph was helpful above and beyond what I would have expected. Expert knowledge and always prompt and in depth answers to my multiple questions. Susie was great at relaying updates and letting me know how the application was progressing. Really great service that I wouldn't hesitate to use again.

Tolan Dyer
16 December 2017  



As small business owners, Ralph outlined a clear plan on how to achieve the loan and home we were after. We felt we could trust his experience and knowledge and the entire process was very rewarding and positive.

Tara and Aaron Travers
16 December 2017  



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
16 December 2017  



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
16 December 2017  



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
16 December 2017  



Efficient and fast, fast service. Great!

Patrick and Catherine Rossier
16 December 2017  



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
16 December 2017  



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
16 December 2017  



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
16 December 2017  



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
16 December 2017  



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
16 December 2017  



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
16 December 2017  



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
16 December 2017  



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
16 December 2017  

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