Your local award winning mortgage brokers & financial advisers in Bayside

At Mortgage Choice Bayside, we search through hundreds of home loans to find you the right one, as well as helping you through the sometimes daunting home loan process. From your first home to your car loan and everything in between, we've got you covered.

  • Office 03 9589 7277
  • Fax 03 9589 7233
  • Open Hours

  • After hours by appointment Free Appointment

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At Mortgage Choice Bayside, we love what we do - and it shows. 

Our award winning mortgage broker team love finding the right home loan at a great low rate for our clients, or building a simple & effective financial plan. To us, it's all about helping our clients achieve their financial goals.

"Tim & Karen were excellent... At no time did I feel unsure or confused. All my questions were answered simply which was great. I would highly recommend their service and in fact, have already give their details to a close friend." 

[ Gina Ruwoldt, Highett ]

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Hundreds of home loans to choose from

There are lots of great reasons to use a mortgage broker, and the range of home loan options is a main one. If you go directly to your bank, they usually have a limited range that may not suit you. At Mortgage Choice Bayside, we have hundreds of home loans from over 20 lenders - from the big banks right down to the specialist lenders - so we can find one that feels tailored to you. 

In our first appointment, we'll sit down with you to go through what your goals are, what loan features would suit you best, and the lenders that will give you the best deal. We'll then do all the research to find you the right home loan, at the right rate from our wide range of lenders. 

The team at Mortgage Choice Bayside can:

  • Answer all your questions about home loans
  • Sort through the hundreds of home loan options to find the right one
  • Negotiate with lenders on your behalf
  • Take care of the paperwork and follow up with the banks


We work hard to make sure the home loan process is as easy as possible for you. After all, that's what being a mortgage broker is all about!

We're your advocates with the banks

Sometimes you might need a bit of extra help in making sure you get the best deal with the banks, or fixing any issues that pop up. Our team advocate on your behalf with the banks to make sure you're getting the best deal and everything is going smoothly.

We even complete the home loan paperwork for you, and answer any questions the lender has on your behalf. We also make sure to keep you updated on how the loan is progressing all the way through to settlement.

Our service is no cost to you

One of the things our clients love about Mortgage Choice Bayside is that our service is no cost to you, as the lender pays us after your home loan settles - so you can enjoy our support and advice without worrying about the cost. 

But what sets Mortgage Choice apart? Our paid the same philosophy means that as Mortgage Choice brokers, we're paid the same commission regardless of the home loan you choose from our wide choice of lenders.

That makes sure we're focused on the right outcome for you, and not for us. With other mortgage brokers, that may not always be the case. Our transparency with our clients is one of the reasons we're proud to be Mortgage Choice brokers

We help with more than home loans

The mortgage broker team in Bayside don't just give great home loan advice. We have a full range of financial and loan services to help you with your first home loan to your car loan and everything in between.

Planning your financial future

At Mortgage Choice Bayside, we never want our clients to ever have to say that they ‘should have done this years ago’. 

Whether you earn $50,000 or $500,000, everyone can benefit from having a simple and effective financial plan in place to help create wealth for the future, protect you and your family or budget for your next big purchase.

Our Financial Adviser Patrick Jong, is on hand to give you the right advice, ensuring you know exactly what you need to do to protect yourself, your new home and build toward your own financial goals.

Find out more about Patrick & our financial planning services 

Get started with us

No matter where you are in the home loan or financial planning process, let Mortgage Choice Bayside help! If you want to just sit down to chat about your options, or if you're ready to get moving, our team are available.

Call us anytime on 9589 7277 or click the Contact Us button at the top of the page.

The team at Mortgage Choice Bayside service the suburbs of Bentleigh East, Brighton, Brighton North, Brighton East, North Road, Hampton, Hampton East, Hampton North, Moorabbin, Moorabbin East, Heatherton, Bentleigh, McKinnon, Ormond & surrounds.

We're Bayside, Melbourne locals too

One of the top 100 brokers in Australia


Our recent awards 


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. ~




























"My experience with Mortgage Choice in Bayside was extremely positive. Being a first home buyer, I was understandably nervous and overwhelmed by the process of securing a home loan. However, the friendly service, reassurance and helpful explanations I received made the process that much more manageable. Tim and Karen took everything off my hands. What's more, when we came up against problems, they went above and beyond to get them resolved as quickly as possible. I would highly recommend Mortgage Choice in Bayside and plan to use their services again in the future."

Laura Brown - First Home Buyer
Port Melbourne, VIC

"This was my first experience on my own in obtaining finance for a new house, Tim & Karen were excellent. Very friendly, approachable and informative. At no time did I feel unsure or confused. All my questions were answered simply which was great. I would highly recommend their service and in fact have already given their details to a close friend."

Gina Ruwoldt - Property Investor
Highett, VIC

"We were looking to expand our investments from just our home but we were not sure about the sort of loan and the set up we would require. Tim kindly met with our accountant which enabled us to get the best loan for our financial goals. The service we received was fantastic as Tim and Karen communicated the process to us and then went about getting everthing done efficiently. Thanks for your patience with all our questions, we will cetainly recommend Mortgage Choice in Bayside to anyone."

Michael & Tania Whittaker - Property Investor
Beaumaris, VIC

"As first home buyers, we initially made contact with Tim from Mortgage Choice in Bayside to discuss our options. Our first meeting with Tim was fantastic, where he used his extensive knowledge to answer our many questions about home ownership, while also preparing some lending scenarios that helped us determine what we should spend on a property. Shortly after this, Tim was able to secure our pre-approval with minimal fuss.

Once we had successfully secured our dream home, Tim helped us to find a loan that suited our needs, while the wider team at Mortgage Choice in Bayside helped us with other important things such as income protection insurance. All of our dealings with Mortgage Choice in Bayside have been wonderful, and we’ve found the team to be friendly, professional, knowledgeable, and trustworthy. They’ve been responsive to our needs and the many questions we’ve had throughout the process. We also loved the extra service offerings they included, for example printing and talking us through the many pages of the loan documents once they arrived.

In summary: we highly recommend Mortgage Choice in Bayside!"

Matt, Anya, and Cosmo - First Home Buyer
Bentleigh, VIC

"Tim and Karen refinanced our home loan, securing us a better rate helping us pay off our mortgage sooner. 👍👍"

Darren Barone - Refinancer
Bentleigh, VIC

"I can highly recommend Tim and Karen Leonard for looking after your home loan acquisition. My experience was that they immediately chose the right product to meet my needs, and they worked day, night, and weekend to meet a very tight deadline in sourcing the finance at short notice. Tim and Karen kept me up to date by phone, text, and e-mail, on a day to day basis (sometimes hour to hour), and made sure I was fully informed throughout the process. Their service is very professional, upfront and honest. Their efforts are Trojan, and I am a very happy and appreciative customer. It is hard to find such a high level of service in any business today."

Dr Michael O'Gorman - Property Investor
Lower Plenty, VIC

"My experience with Mortgage choice has been very pleasing. It has been extremely personalised and they are very approachable and helpful in allowing me to fulfil my financial goals. Tim was very professional and also very informative with my situation, and Karen keep me updated with the progress of my application throughout the processing period. I highly recommend Mortgage choice with your loan requirements."

Dr Benjamin Allan - Property Investor
Beaumaris, VIC

"After being with the same mortgage financier for many years, we felt it was time to see what other
companies could offer in respect to products and savings. Our experience with Karen and Tim Leonard was fantastic, offering us many savings and new ways to set ourselves up. They were very
helpful, making sure we understood. Their professionalism and service is the best. Thank you Karen and Tim."

Darren & Nicole Ward - Refinancer
Beaumaris, VIC

"The explanation of the products was really clear. This was especially due to having full visibility of the varying products that were available. I was kept fully informed at all stages of the process. I was even kept updated when nothing was happening - great work! Many thanks for your impeccable support and assistance throughout my refinancing. Your enthusiasm and dedication to helping me was paramount to this being an easy transaction."

Caroline Atkinson - Refinancer
Hampton, VIC

"We have no hesitation in recommending the services of Tim and Karen Leonard of Mortgage Choice. Tim?s extensive product knowledge allowed us to move forward quickly with the process and we were regularly updated along the way. We were extremely satisfied with their professionalism, efficiency, attention to detail, and the personal manner in which we were dealt with."

Brendan & Robyn Jackson - Refinancer
Beaumaris, VIC

"We decided to use Mortgage Choice in Bayside purely by chance and contacting Tim and Karen was one of the best things we could have done. They took all the hassle and worry out of what would have otherwise been a very confusing and stressful time. Despite the fact we had a very long settlement (5+ months) we were regularly contacted and kept informed throughout the process. I would not hesitate to recommend their services and would certainly use them again if the need arises."

Warren & Joanne Gray - First Home Buyer
Mentone, VIC

Step by step Guide to property ownership | Mortgage Choice Bayside

Learn more about navigating the home loan process with our free step by step guide to property ownership from Mortgage Choice Bayside. We'll go through each step and what you should expect, plus some great tips to help you make the most out of your money.

Download now


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