Get expert advice on your home and business loan options - including Ethical Lending & Green Home Loan options. We can take the pain away from you of trying to find best home loan and then apply for it (whether it is buying your first house;
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9 customer reviews
Paul Pearson
We were very happy with the service friendly staff and easy to work with
Reviewed on Google Maps
Matthew Dunn
Dharma is a honest and genuine mortgage broker with a high attention to detail. He's a clear communicator and always puts his clients first. If you're looking for someone to do your loan, I highly reccomend Dharma. More...
Reviewed on Google Maps
Skooba Brie
Dharma was brilliant. As this was our first home we were new to this process. Dharma was supportive and educated us through the whole process, even taking time to talk to me at odd hours to keep my mind at ease! We are so greatful you Dharma! 100/10 will recommend you to all our family and friends! More...
Reviewed on Google Maps
Sheikh Zayed
I cannot express enough how grateful my wife and I are for the exceptional service we received from Dharma at Mortgage Choice. From start to finish, Dharma was nothing short of amazing in helping us secure both land and build loans. From our first interaction, it was clear that Dharma is incredibly thorough and professional. He took the time to understand our unique situation and financial goals, ensuring that every detail was considered in the loan application process. His patience and caring nature made what could have been a stressful experience feel smooth and manageable. Despite me being slow to provide all the necessary details, Dharma was always quick to respond and move forward with the next steps once we were ready. Dharma presented us with various lending scenarios, carefully explaining each option so that we could make the most informed decision possible. His deep understanding of the mortgage landscape and his ability to tailor solutions to our needs were truly impressive. We highly, highly recommend Dharma to anyone in need of mortgage services. He is a true asset to Mortgage Choice, and we are incredibly thankful for his support. Thank you, Dharma, for making our home-building dreams a reality! More...
Reviewed on Google Maps
Marilyn Estilles
Dharma was very helpful and supportive during my loan application .
Reviewed on Google Maps
Chrissy Henwood
Went above and beyond from day 1 to help us understand what was happening, get everything sorted for us and dealt as the middle man between us and the lender so all we really had to do was supply required documents, read and sign paperwork. Took the stress out of a lot of situations for us More...
Reviewed on Google Maps
J
It's my second house and I both chose Dharma for the process. I am even surprised at how quickly he responses and how closely he follows up. He let me know every important steps and saves me lots of money. I am usually the kind of person who shop around but I didn't hesitate to let me know when I need the second loan. He is trustworthy and good at finding the most suitable deal to you. He is such a pleasure to deal with that I hope I can get my third property sooner. More...
Reviewed on Google Maps
Russ Taylor
Dharma is fantastic to work with, he has the ability to leverage his broker networks to get more done for you than you can achieve on your own directly with the banks. I would strongly recommend him to anyone getting residential finance or enquirying as to their capability to do so. More...
Reviewed on Google Maps
Majok Deng
Dharma was extremely professional with great expertise and high regard for his client’s interests and is genuine and honest with his expert advice. Couldn’t have been lucky with a better mortgage broker. You’ll be in great hands, give Dharma a go. Couldn’t have been happier with our first home purchase and home loan. More...
Reviewed on Google Maps
What do you love most about your job?
As a mortgage broker, I love helping people achieve their dream of homeownership. It's incredibly rewarding to guide my clients through the process, providing them with expert advice and finding the best mortgage options tailored to their needs. Seeing the joy on my clients' faces when they finally purchase their home is the most fulfilling part of my job.
What inspired you to start your own business?
I've always been passionate about finance and helping people achieve their goals. Becoming a mortgage broker seemed like a natural fit for me because it allows me to combine my love for finance with my desire to assist others in achieving their dream of homeownership. Additionally, I enjoy the challenge of navigating the complex world of mortgages and finding the best possible solutions for my clients. Overall, I saw an opportunity to make a positive impact in people's lives while also pursuing my entrepreneurial aspirations, and that's what inspired me to start my own business as a mortgage broker.
Why should our clients choose you?
Clients should choose me as their mortgage broker because I am dedicated to providing them with personalized, attentive service. Here are a few reasons why they should choose me:
1) Expertise: I have extensive knowledge of the mortgage industry and can guide clients through the entire process, from pre-approval to closing.
2) Access to Multiple Lenders: I work with a wide range of lenders, which allows me to find the best mortgage options to suit each client's unique needs and financial situation.
3) Personalized Service: I take the time to understand each client's goals and preferences, and I work closely with them to find the right mortgage solution.
4) Communication: I keep my clients informed every step of the way, ensuring they understand the process and feel comfortable with their decision.
Commitment to Excellence: I am committed to providing the highest level of service and will go above and beyond to help my clients achieve their homeownership goals.
5) I also have more than 15+ years experience in the Financial Services Industry in Australia and most of it as a Financial Adviser. This puts me in a very good position to have a better understanding of your goals & objectives and how to help you achieve them.
Overall, clients can trust me to provide expert guidance, personalized service, and a smooth, stress-free mortgage experience.
Can you provide your services online or remotely? If so, please add details.
Absolutely! I offer my mortgage brokerage services online and remotely, providing convenience and accessibility to my clients wherever they are. Here are some details:
1) Virtual Consultations: I offer virtual consultations via video calls, phone calls, or email, making it easy for clients to connect with me from the comfort of their own homes.
2) Online Application Process: Clients can complete the mortgage application process online, saving time and eliminating the need for in-person meetings. ( T & C: lenders dependant)
3) Document Submission: Clients can securely submit all required documents online, streamlining the process and making it more convenient.
4) Electronic Signatures: I use electronic signatures for all necessary documents, allowing clients to sign paperwork quickly and securely from their computer or mobile device. ( T & C: lenders dependant)
5) Remote Support: I provide ongoing support to clients throughout the mortgage process, answering any questions they may have and guiding them every step of the way.
By offering my services online and remotely, I ensure that my clients receive the same high level of service and expertise, no matter where they are located.
What changes have you made to keep your customers safe from Covid-19?
To ensure the safety of my customers during the COVID-19 pandemic, I have implemented the following changes:
1) Virtual Consultations: I now offer virtual consultations via video calls or phone calls, reducing the need for in-person meetings.
2) Online Application Process: Clients can complete the entire mortgage application process online, eliminating the need for in-person visits to my office. ( T & C: lenders dependant)
3) Document Submission: Clients can securely submit all required documents online, minimizing physical contact.
4) Electronic Signatures: I use electronic signatures for all necessary documents, allowing clients to sign paperwork quickly and securely from their computer or mobile device. ( T & C: lenders dependant)
5) Safety Protocols for In-Person Meetings: In cases where an in-person meeting is necessary, I follow strict safety protocols, including wearing masks, maintaining social distancing, and regularly sanitizing my office.
First Home Buyers
There's lots to think about when looking at buying your first home: your deposit, fees & stamp duty, interest rates, home loan features, borrowing power and more! Our Mortgage Practice offer a free home loan service, which covers:
1) What you can afford to borrow and repay: We'll give you a some maximum borrowing capacity and go through your numbers with you based on your income & debts.
2) What lender would suit you best: Our team will show you what lenders would approve a home loan application from us on your behalf.
3) First home buyer incentives: We will go through what you are eligible for with first home buyer incentives and how you can stretch your deposit further.
4) What home loans will help you save money: There are lots of home loan features to consider. We'll go through which ones will help you save money in the long run.
5) When to consider refinancing to a lower interest rate or better features: Our team will let you know when it's time so you don't have to.
Refinancing your home loan for better rates; customer service (and / or access equity !)
Our customers are saving thousands of dollars over the life of their loan - not to mention the availability of cashbacks as well! Our mortgage practice can help you understand your options with your home loan refinancing.
If you want to access equity in your current property (debt consolidation; renovations, holidays, new car,...or investments use), that is also the ideal time to do so when you are in the refinancing process.
Constructions Loan (House / Land Package)
Construction loans, are different from regular home loans, due to building works requiring ongoing payments as the construction progresses. In the case of a traditional home loan, the totality of funds will be made available in a single lump sum, while a construction loan lets borrowers draw on the loan balance when payments need to be made to the builder. These payments are made at key stages of the building process, and are known as progress payments.
While work is still in progress, you will only be asked to make interest repayments on money that has been drawn down. This means you will only be paying interest on money that has been used. Therefore, repayments will be smaller at the start of your loan, and will increase gradually as your construction project approaches completion.
In general, construction home loans have a variable rate, with a maximum Loan to Value Ratio (LVR) of 95%. This varies depending on lenders, therefore it is something worth speaking to your mortgage broker about. Lenders also often set a maximum timeframe for the complete draw down of your loan, usually around 6 months. If you are not planning to start building right away, you may need to purchase the land on a separate land loan.
Car Loans and Leasing; Personal Loans ...
At Mortgage Choice, we understand there's nothing like the feeling of driving away in a car of your own - whether it's your first car, an upgrade to the family car or a new work vehicle.
We also know that your choice of car isn't the only thing that matters – you also need to be confident that you have the right finance in place for your purchase. When you're in the market for a car, it's easy to accept the finance solution offered by your dealer or bank. But chances are you could save money by shopping around. And we know how important that is.
That's where we can help. We give you access to a wide range of lenders all competing for your business. We can explain the options and help you decide which vehicle finance option is best suited to your needs - no matter whether you're buying through a dealer or private sale.
Investment Property
Australians love to invest in property, and the loan you get to finance your investment really matters. The right one can maximise returns and minimise fees. Our Mortgage Practice have access to hundreds of great investment loans.
A wide panel of investment loans
Our Mortgage Choice team are accredited with over 25 lenders - including all the big banks and some specialist lenders - ready to help you get started in investing. It's important to get an expert team in your corner when investing your hard-earned money. Let the Mortgage Broker Narre Warren team help!
1) We will chat through the structure of your investment finance and why it matters
2) We will find a lender that loves to support Australian investors, and has great features and interest rates
3) We talk you through how to use the equity in your current home to kickstart your investment
4) We put together the paperwork for you, which gives you more time to research properties
5) We answer any questions from the lender for you and do all the follow-up
6) Our service is free!
