Mortgage Choice logo
Stephen Lemm

Over 20 years of providing local finance support

Our team has been operating as the local finance experts in the Neutral Bay area for over 20 years. Stephen himself has over 32 years of experience in the finance industry as a loan expert. Not only do we have a passionate team, we have some of the most experienced specialists around.

We are still open and happy to help. To help stop COVID-19 spreading, we are conducting appointments over the phone & zoom video conferencing. Book your 1-hour virtual meeting online right now and still enjoy our top-level service.

Our awards


Stephen Lemm

Stephen Lemm

Owner | Senior Mortgage Broker

In 1998, after 15 years of extensive experience in banking and finance, Stephen became a Mortgage Choice broker. Having previously worked in the lending industry, he wanted to offer a wider choice of loans to his customers, from a range of different lenders. After 32 years in the finance industry as a home loan and property expert, Stephen is as passionate as ever about his customers.

"I became a Mortgage Choice broker because I wanted to offer a wide range of loan products, which would suit clients' lifestyles and not the bank's bottom lines. At Mortgage Choice in Neutral Bay we have over 25 lenders with hundreds of loans to choose from which means we have thousands of home loans available for our customers."

  • Finalist for Best Office at the NSW/ACT Better Business Awards 2021
  • Named #26 in MPA Magazine's Top 100 Mortgage Brokers of 2020
  • Winner of the NSW Single Operator of the Year Award 2019
  • Winner of the National Single Operator of the Year 2016 
  • Winner of the NSW Single Operator of the Year Award 2016
Shannon McLeish

Shannon McLeish

Loan Administrator

Shannon doesn't only bring 15 years banking knowledge to our team but her hard work, determination and attention to detail is what helps to see our client's loans approved in a timely manner. Her love of the industry and helping clients achieve their financial goals is what drives her in her daily dealings with the banks to get the best outcome for our clients.

"Having worked for banks in the past gives me insight into their processes and what they are looking for when approving home loans. I focus on getting the home loan through to settlement with as little fuss as possible, so that our clients can enjoy the process of finding a new property."

Ciaran Davis

Ciaran Davis

Financial Adviser 

With 20 years of broking and financial planning experience gained both in the UK and Australia, Ciaran is a highly experienced financial adviser, looking to achieve the very best outcomes for the clients of Mortgage Choice in Neutral Bay. We like to ensure that all our clients are given a complimentary first meeting with Ciaran, to understand their financial situation & the risks of borrowing large amounts of money to purchase property.

"People underestimate the peace of mind and savings that can come from having a financial plan in place, or even just a regular review of their financial situation. My main goal is to get my clients to their financial goals, while feeling reassured in the integrity of my advice along the way."

Contact us