Mortgage Choice Broker - John Timms

Mortgage Choice Broker - John Timms John Timms is a personable and highly experienced adviser with a proven track record in assisting clients with their home and business finance needs.

Smartline Operations Pty ltd ACN 086 467 727 (Australian Credit Licence 385325) is owned by REA Group Ltd

Happy Father’s Day to all the incredible dads and father figures!From holding the handlebars to helping us navigate life...
05/09/2026

Happy Father’s Day to all the incredible dads and father figures!

From holding the handlebars to helping us navigate life’s biggest milestones—like buying that first family home!—thank you for your steady guidance, endless patience, and constant support.

A very special shout-out today to my own dad, Ron Timms. Thanks for always being my biggest supporter, Dad!

I hope you all get to kick back, relax, and have a fantastic day with your loved ones! 🚲☕

If you're looking to make some big property moves in the future, you know where to find me:
👉 https://www.mortgagechoice.com.au/john.timms/
or reach out via a call on 0423 140 444

05/09/2026

What an incredible few days down in Hobart for the Mortgage Choice Conference!  Hobart really delivered the goods with stunning views, great connections, and an unbeatable atmosphere.

​Between the high-energy sessions and catching up with industry peers, I’m walking away with key takeaways on where the property market is heading, new lending insights, and fresh strategies to help you secure the best mortgage options possible. (And yes, we definitely had a lot of fun along the way!)

​Stay tuned—I’ll be sharing a full photo dump with snaps from the event in my next post! 📸

​Looking to buy, refinance, or just want to chat through your options with these fresh industry insights? Let’s talk!

​👉 Tap the link in my bio to visit my website or call me directly at 0423 140 444.

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What an incredible way to start the morning! What more could you ask for than a sunrise like this over the waterfront to...
31/08/2026

What an incredible way to start the morning! What more could you ask for than a sunrise like this over the waterfront to set the tone for day one of the Mortgage Choice Ignite conference here in Hobart? 🌅✨

​Feeling fully energized and ready to connect, learn, and dive into a fantastic few days ahead with the rest of the Mortgage Choice team. Let’s do this!

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Between shifting market momentum and recent policy discussions around housing taxes, the investment landscape has evolve...
31/08/2026

Between shifting market momentum and recent policy discussions around housing taxes, the investment landscape has evolved over the last few months.

I can compare options from over 35 lenders to ensure your property portfolio is structured effectively for the long term.

Want to know your numbers before the spring market kicks off? Send me a message to review your investment strategy.

Are you a business owner looking to take things to the next level? Mortgage Choice has been helping Australian businesse...
29/08/2026

Are you a business owner looking to take things to the next level?

Mortgage Choice has been helping Australian businesses grow for more than 30 years. As small business owners, we understand small business needs.

We’ll do all the hard work for you – helping you understand the finance options available and sourcing the right business loan to help you reach your goals and grow your business.

Reach out today to get started.

When you own and operate your own business, having the right finance in place can be the difference between getting by a...
28/08/2026

When you own and operate your own business, having the right finance in place can be the difference between getting by and thriving.

No one is better placed to understand your needs than another small business owner.

Mortgage Choice can help you take your business to the next level with tailored commercial finance solutions.

27/08/2026

Thinking about what the latest inflation figures will do to the current cash rate of 4.35% and what that means for your home loan? 🏠📉
Whether rates shift or hold steady, sitting back and waiting isn't the only option. Small changes in interest rates can impact your monthly repayments, borrowing power, and refinancing opportunities—wherever you are in Australia.

If you’re looking to purchase in growth corridors like Melton, Gisborne, or out toward Warragul and Drouin, getting your numbers reviewed early gives you a massive advantage before making your next move. Even if you are just wanting to review your current rates to ensure you are on the best deal book in a review appointment today by visiting my website in my bio.

Here’s what you can do today:
✅ Review your current variable rate against market options
✅ Check if fixing a portion of your loan makes sense for your budget
✅ Calculate your updated borrowing capacity
Got questions about your rate? Send me a direct message or drop a comment below—let’s talk through your strategy.

John Timms

A split loan is a home loan repayment option that allows a borrower to have part of their loan amount on a fixed interes...
27/08/2026

A split loan is a home loan repayment option that allows a borrower to have part of their loan amount on a fixed interest rate and the other on a variable interest rate. This strategy provides the flexibility of a variable rate while still having the security of fixed repayments for some of your loan.

There is a lot you need to consider before deciding whether a split loan repayment model is the right option for you. If you want to learn more, just send me a message!

If you’re considering purchasing a commercial property for your business, you’ve come to the right place. I have worke...
24/08/2026

If you’re considering purchasing a commercial property for your business, you’ve come to the right place. I have worked in Commercial finance for over 20 years.

Mortgage Choice has been helping Australian businesses grow for more than 30 years. As small business owners, we understand small business needs.

We have access to a range of finance options for investors and business owners alike.

Reach out today to get started.

At Mortgage Choice, we do more than just residential home loans. We've been helping Australian businesses grow for more...
22/08/2026

At Mortgage Choice, we do more than just residential home loans.

We've been helping Australian businesses grow for more than 30 years. As small business owners, we understand small business needs.

We have access to a wide range of loan options and expert finance solutions to meet your commercial lending needs.

Whether you need support with commercial lending, business lending, or even asset finance, we’re here to help.

Ready to explore your options? Let’s chat! 📞0423 140 444

Address

83-85 Unitt Street
Melton, VIC
3337

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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