Mortgage Choice in Merimbula

Mortgage Choice in Merimbula We are a locally owned team offering more than hone loans. Our main offices are in Merimbula, Bega and now Narooma.

We continue to offer online appointments, with many of our clients located around the country.

01/05/2026

A lot of buyers assume LMI is there to protect them… but that is not quite how it works.

This type of insurance is designed to protect the lender if something goes wrong, not the borrower. It usually comes into play when your deposit is below 20% of the property value.

It does add to the overall cost, but it can also open the door to buying sooner instead of waiting years to save a larger deposit. For some, that trade-off makes sense depending on their goals and timing.

We see this misunderstood quite often, especially with first-home buyers trying to plan their next move. Knowing how and when it applies can help you make a more informed decision 🙂

✨ Understanding how this works can help you weigh up your options and plan your purchase with more clarity. Mortgage Choice Merimbula can walk you through it.

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma, & Dapto today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

30/04/2026

Still thinking you need a 20% deposit saved before you can buy?

That is not always the case. Depending on your situation, some buyers are able to enter the market with a smaller deposit and still move forward confidently.

There are also government initiatives that can help reduce upfront costs for eligible buyers. Each pathway comes with its own conditions, so it is important to understand what actually applies to you rather than guessing.

We have these conversations every day, especially with buyers weighing up their options or timing their next move. If you have a few “what if” scenarios in mind, it is worth talking them through.

✨ The right strategy can look very different from person to person. Mortgage Choice can help you find what works for your situation.

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma, & Dapto today, your home loan experts on the Far South Coast.
📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

It can be confusing when one lender says yes and another says no, or offers a completely different amount. Even with the...
29/04/2026

It can be confusing when one lender says yes and another says no, or offers a completely different amount. Even with the same income and situation, results can vary. That’s because every lender has different policies, risk appetite, and ways of assessing your application.

This is something we often explain to clients - you’re not just being assessed once, you’re being assessed differently depending on the lender. That’s why having more than one option can make a big difference.

We love helping you explore your options and find a solution that suits your situation!

✨ Choice matters when it comes to your home loan. Mortgage Choice Merimbula compares options across multiple lenders to find what works for you.

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma, & Dapto today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

Getting a home loan can feel overwhelming at times, especially when you have questions and are uncertain what to expect ...
28/04/2026

Getting a home loan can feel overwhelming at times, especially when you have questions and are uncertain what to expect next.

Having a team that supports you, cheers you on, takes the time to explain things properly, keeps you updated, and genuinely cares about your experience can make a big difference.

We know how important this process is, and we do our best to make it feel simple, clear and supported from start to finish.

✨ Because to us, you’re never just a loan

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma & Dapto today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

🌸GIVEAWAY🌸 ✨ MUMS, THIS ONE’S FOR YOU ✨ We’re celebrating all the incredible mums (and mum-figures 💕) in our community ...
27/04/2026

🌸GIVEAWAY🌸

✨ MUMS, THIS ONE’S FOR YOU ✨

We’re celebrating all the incredible mums (and mum-figures 💕) in our community with the ultimate Mother’s Day Giveaway.

We’ve teamed up with some of our favourite local businesses to create a dreamy prize pack that you won’t want to miss out on!

💝 WIN THE ULTIMATE MUM PAMPER PACK:
✨ Custom facial from Tranquil Beauty -$185 value
✨ Lymphatic drainage session + sauna from Safir House -$150 value
✨ A stunning heart cake + cupcakes from Luna Bakes 🎂
✨ PLUS a curated hamper filled with goodies from some of our favourite local businesses.

Because every mum, no matter how that looks for you, deserves to be spoilt. 💫

HOW TO ENTER:
💕Make sure you are following the Instagram accounts .merimbula and
💕Like this post ❤️
💕Tag a mum, dog mum, cat mum or auntie in the comments (one tag per comment = 1 entry)
💕Share this post to your stories for a bonus entry
💕Be sure to tag over on Instagram, we won’t be able to include entries via Facebook or anywhere else i.e. TikTok ❤️

More tags = more chances to win 👀

Let’s show some love to the women who do it all 🤍

Winner drawn Friday 8th May
***Must be able to pick up only, no postage available***

—

T&Cs:
This promotion is in no way affiliated with, administered, endorsed, or sponsored by Instagram.
The winner will be notified via DM from the account.
Please be wary of scam accounts

27/04/2026

Looking for a simple way to make your home loan work a bit harder for you?

An offset account is something we often walk clients through. It links your savings to your loan, so the balance in that account reduces the amount of interest charged each day.

You are not changing your repayments, just using the money sitting in your account more effectively. Over time, that can lead to noticeable savings without needing to do anything drastic.

We help you decide if an offset setup actually suits how you manage your money, because the right structure depends on your habits and future plans.

✨ A well set up offset account can make a real difference over time. Mortgage Choice Merimbula can help you see if it is the right fit.
📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma, & Dapto today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

When it comes to your home loan, most people focus on the interest rate alone. This type of strategy does not always hel...
26/04/2026

When it comes to your home loan, most people focus on the interest rate alone. This type of strategy does not always help you in the future. The loan structure can have a big impact on future lending.

Here’s what we see being affected the most:

A client who wants to upgrade their home and convert to an investment property but did not have an offset account
Loan term and loan structure makes new lending impossible with out a restructure

Other common needs include loan flexibility, access to excess cash, and how easily you can refinance the property.

This is something we often talk through with clients early on; setting your loan up the right way from the start can make things much easier down the track, especially if your goals change or you’re thinking about investing later.

We love helping you think beyond just the loan and plan for what comes next!

✨ The right structure can give you more flexibility and options over time. Mortgage Choice in Merimbula, Bega, Narooma, & Dapto can help you set things up the right way from the start.

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma, & Dapto today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

25/04/2026

Pre-approval can sound straightforward, but there is a bit more to it than most people realise.

Some lenders provide quick estimates, while others carry out a full assessment of your income, expenses, and documents. A fully reviewed pre-approval gives you a clearer borrowing range and a more reliable guide on what you can comfortably spend.

It also comes with a timeframe and is based on your financial situation staying consistent. Any changes along the way can affect the outcome.

We work through this properly with clients so there is no uncertainty when it comes time to make an offer. Having that clarity early can make the whole process feel a lot smoother.
✨ A well-structured pre-approval puts you in a stronger position from the start. Mortgage Choice Merimbula can help you get it right.

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma, & Dapto today, your home loan experts on the Far South Coast.
📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

When it comes to buying a home, one of the first questions is always the same, “How much I borrow?”It is easy to assume ...
24/04/2026

When it comes to buying a home, one of the first questions is always the same, “How much I borrow?”

It is easy to assume income is the single factor, but lending is more complex. Lenders look at your expenses (and this always includes your cost of living), existing debts, and then will apply buffers to their calculations to ensure your loan is manageable long term.

This is a topic we always discuss with clients so that a realistic budget and expectations can be met. These chats also help families have more clarity when it comes to a realistic budget.

We love helping you understand your numbers and the “what if” possibilities for your situation! This is where the fun begins. 🙂

✨ Clarity around your borrowing power makes the process much easier. Mortgage Choice Merimbula can help you understand where you stand.

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma & Dapto today, your home loan experts on the South Coast & Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

Choosing the right home loan is not just about the numbers, it’s about the people guiding you through it. Having a team ...
23/04/2026

Choosing the right home loan is not just about the numbers, it’s about the people guiding you through it. Having a team that understands your goals, explains your options clearly and supports you from the start can make a big difference to your overall experience and outcome. With the right guidance, you can feel more confident in your decisions and better prepared for what comes next.

✨ The right team helps you move forward with clarity and confidence

📍 Reach out to Mortgage Choice in Merimbula, Bega, Narooma & Dapto today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

Buying a home isn’t just about your deposit. There are extra costs along the way that can catch people off guard if you’...
20/04/2026

Buying a home isn’t just about your deposit. There are extra costs along the way that can catch people off guard if you’re not prepared. These include stamp duty, legal fees, bank charges, and moving costs, which can all add up quickly if not accounted for.

Understanding these early can make the process feel more manageable and help you plan with confidence.

These costs are something we discuss with clients from the start - knowing the full picture helps you avoid surprises and make clearer decisions.

We love helping you feel confident and prepared when it comes to your home loan buying journey!

✨ Planning ahead makes all the difference. Mortgage Choice in Merimbula, Bega, Narooma & Dapto can help you understand your full costs from the start.

📍 Reach out to Mortgage Choice in Merimbula, Bega & Narooma today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

20/04/2026

Online calculators offer estimates, not full assessments. They cannot factor in detailed expenses or lender policy differences.

Two people with the same income can receive very different results.

✨ Accuracy matters when planning big decisions. Mortgage Choice Merimbula can provide clarity.

📍 Reach out to Mortgage Choice in Merimbula, Bega & Narooma today, your home loan experts on the Far South Coast.

📞 Office phone: 0432 281 837
📱Mobile: 0431 290 042

Address

2/6 Alice Street
Merimbula, NSW
2548

Opening Hours

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

Telephone

+61432281837

Website

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