Mortgage Broker Stephen Zamykal

Mortgage Broker Stephen Zamykal Here at Mortgage Choice Melbourne you can rely on our team of skilled mortgage brokers and loan experts based in Melbourne CBD.

We help our clients get a great deal on their next loan.
🏠 Home, investment, refinance, SMSF
👉 Book a 15 minute chat with Stephen: https://calendly.com/stephen-zamykal The services we offer include Home Loans, Mortgage Broking, First Home Buyers, Refinance, Construction Loans, Investment Loans, Business Lending, Car Loans and Leasing, Commercial Loans, Personal Loans, Equipment Finance, Debt Conso

lidation, Financial Planning and Utilities Connections. Although we are located in Melbourne CBD, we service clients from Melbourne, Docklands, West Melbourne, St Kilda Road, Southbank and all surrounding areas. If you are looking for the best mortgage broker in Melbourne, look no further! Mortgage Choice Pty Limited (ABN 57 009 161 979, Australian Credit Licence 382869) and Smartline Operations Pty Limited (ABN 86 086 467 727, Australian Credit Licence 385325) are owned by REA Group Limited. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline.

13/04/2026

My pre-recorded webinar is available to anyone who wants to understand what equity is, and how to use it to build an investment property portfolio.

✅ Real numbers
✅ Real life client examples
✅ My own 'Leverage Loan System' from 25 years of experience

Just comment WEBINAR and I'll send you the link to watch.

13/04/2026

Most people think they need to save another full deposit to invest…but the moment you realise you can use the equity in your existing home? That’s when everything changes.

It’s not always about starting from scratch: sometimes it’s about using what you’ve already built. ✨

👉 I've got a recorded webinar about this very topic. Comment WEBINAR and I'll send you the link to watch.

09/04/2026

I'm not here to sell books. I'm a mortgage broker with over 25 years of experience and I want to help people invest by using what they already have: their equity.

This book has ✅ Real numbers ✅ Real life client examples ✅ My own 'Leverage Loan System' from 25 years of experience.

👉 Comment BOOK and I'll send you the link to download: free, no strings attached.

09/04/2026

Now our client has got retirement income quietly building in the background, while she continues with her life.

Want to know more? Let's have a quick 15 minute chat about possible options.

💬 Comment CHAT and we’ll send the link to book
📲 Call or text us on 0403 241 927
📩 Email [email protected]

*This is for general education purposes only and is not intended to constitute specialist or personal advice. Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) are owned by REA Group Limited.

17/03/2026

The Reserve Bank has raised the cash rate to 4.10% - the second hike after more than two years without a change.

Every time the RBA moves, our phones ring off the hook with people asking us to review their rate.

Our interest rate review is free, quick and could save you thousands (and years) off your loan.

If you’d like us to review your rate for free, comment YES and we'll be in touch.

Alternatively, feel free to call or text me on 📲 0403 241 927.

26/02/2026

👉 Not having a 20% deposit: Lenders know it’s tough to save these days, and there are plenty of ways to get into a home with less: low-deposit options, guarantors, or LMI can all help.

👉 Day-to-day spending: Grabbing a coffee, going out with the kids, treating yourself - these are seen as normal living costs. Lenders understand you need to spend to live. It's regular, more reckless spending that raises eyebrows.

👉 Changing jobs: Moved to a new company? Started a new full-time job? No problem. While lenders do prefer stability, as long as your work history makes sense and you’re not changing careers every few months, you’re good.

👉 Where your savings came from: Whether it’s from years of saving, a family gift, an inheritance, or your side business - as long as it’s traceable, lenders are happy.

04/02/2026

As a chocoholic, I prefer this anyway. Anyone else? 😅🍫

03/02/2026

The RBA has just announced that they have increased ye cash rate from 3.6% to 3.85% today.

That means most (of not all) banks will increase their variable rates. They don't have to, but they will.

But there is something you can do about it.

I just got off the phone with a client who was paying $3,978 per month. I reviewed his rate and managed to get him one that is 0.3% lower with a cash back, and shave years off his loan. 👏👏👏

Want a second opinion on your loan? Book a free rate review with me!

👉 Just comment YES and I'll DM you the link to book.

26/01/2026

I hate seeing Aussies grind for 30 years to pay off a home loan…while their most powerful asset sits there doing absolutely nothing.

Your equity isn’t just a number on paper. Used properly, it can help you:
✅ buy property
✅ reduce your loan term
✅ and build long-term wealth for retirement

💥 Comment EQUITY and I'll DM you the link to watch the recording. It could change your life.

02/01/2026

Behind every loan is a big life moment - and that’s what I love most about what I do. I can't WAIT to see what 2026 has in store.🚀

Another year done - and a great one at that! Grateful for our team, our clients and all the big - and small - moments in...
23/12/2025

Another year done - and a great one at that! Grateful for our team, our clients and all the big - and small - moments in between. Helping people with their property dreams is what we ❤️ to do, and we feel so lucky we get to do it every single day.

Wishing everyone a Merry Christmas, 🎄a proper break, and plenty of good food. Can't wait to see what 2026 holds. ✨

Address

Suite 15/214 Bay Street
Brighton, VIC
3186

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