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.

07/06/2026

Knowing where to begin can feel unclear when you are thinking about buying a home.

One of the first things we look at with clients is how a lender is likely to assess their position. This is often quite different to what someone feels they can comfortably afford.

There is a structured way this is calculated, and it takes into account more than just income.

What we help you understand early on:

• How your position is being assessed
• What may be influencing the outcome
• Where there may be room to improve

Having this clarity upfront can make your property search far more focused and realistic.

✨ Understanding your position early can help you move forward with confidence. Mortgage Choice Merimbula is here to guide 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

06/06/2026

Saving a full deposit can take longer than expected, especially with rising property prices.

There are options that can help buyers move forward sooner, but it is important to understand how they work and what is involved.

In some situations, additional security can be used to support the application. This can change how much you need upfront and may improve how the application is assessed.

What we always focus on with clients is making sure everyone understands their role, responsibilities, and the risks before proceeding.

• Who is involved in the arrangement
• How the loan is structured
• What happens over time

We take the time to explain this clearly so there are no surprises later on.

✨ The right structure can open up options, but it needs to be the right fit for everyone. Mortgage Choice Merimbula is here to guide 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

05/06/2026

Happy Friday!!!! Enjoy your long weekend!

Our office is closed on Monday, something fun before we sign off! x

Many homeowners are surprised when they realise how much equity they have built up over time.It can be a useful tool, es...
05/06/2026

Many homeowners are surprised when they realise how much equity they have built up over time.

It can be a useful tool, especially for larger plans like renovations or investing, but it is important to understand that accessing it means increasing your loan. That changes your position moving forward.

One of the key things to think about is how the funds are being used. There is a big difference between using equity for something that may grow in value, compared to something that depreciates over time.

We also talk through the risks with clients. Property values can shift, repayments can change, and it is important to be comfortable with that before making a decision.

We help you look at the full picture so it makes sense for your situation, not just what is possible 🙂

✨ Using equity can work well when it is structured properly. Mortgage Choice Merimbula is here to guide 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

Home loan questions do not always come up when you are sitting at a desk.Sometimes it is during the school run, on the w...
04/06/2026

Home loan questions do not always come up when you are sitting at a desk.

Sometimes it is during the school run, on the way to work, or while thinking through your next move between appointments. That is why we focus on being approachable, responsive, and available when our clients need support.
As mortgage brokers, we are here to help make the process feel more manageable wherever you are in the journey.

What clients often rely on us for:
• Clear explanations without the jargon
• Guidance tailored to their situation
• Ongoing support as things change over time
We know buying a home or reviewing a loan is a big decision, and having someone there to talk things through can make a real difference.

✨ Good guidance should feel accessible and supportive from start to finish. Mortgage Choice is here when you need us.
📍 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

03/06/2026

There is a lot to take in when you are working through a home loan.

For most people, it is not the big decisions that feel difficult. It is understanding how everything fits together and what to do next.

As mortgage brokers, our role is to step in and make that clearer.

What we help with:

• Explaining how your situation is assessed
• Showing you what options are available
• Helping you understand what comes next

We take the time to go through it properly so you are not left second guessing any part of the process.

✨ Clear guidance can make each step feel more manageable. Mortgage Choice Merimbula is here to support 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

Meet Josh Lavender 👋Originally from Sydney, Josh and his family now call Narooma home. He is passionate about helping fi...
02/06/2026

Meet Josh Lavender 👋

Originally from Sydney, Josh and his family now call Narooma home. He is passionate about helping first home buyers and first-time investors feel more confident throughout the home buying journey.

What clients really appreciate about Josh is the way he takes the time to explain things clearly and make the process feel far less overwhelming.

As part of the Mortgage Choice team, Josh is here to help with:
• Understanding your borrowing position
• Exploring loan options that suit your goals
• Guiding you step by step through the process
Buying a home is a big milestone, and having the right support around you can make all the difference.

✨ With Josh and the Mortgage Choice team by your side, the process can feel much simpler and far less stressful.
📍 Visit 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

01/06/2026

There is often a lot of information involved when you are looking at home loan options.
What makes the difference is how that information is presented. When it is clear and relevant to your situation, it becomes much easier to understand what actually applies to you.

As mortgage brokers, we focus on making things visible and practical, not just theoretical.

What we help you see:
How your position is being assessed
What options are realistically available
What each option means for you moving forward
It is about giving you a clear view so you can make decisions based on understanding, not assumptions.

✨ When things are explained properly, the process becomes far more manageable. Mortgage Choice Merimbula is here to guide 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

31/05/2026

It is easy to assume that similar-looking loans will behave the same way.

In practice, the way a loan is set up can influence how it performs over time and how well it supports your plans moving forward.

We often see situations where the rate looks competitive, but the structure does not provide the flexibility the client needs.

What we look at when reviewing options:

• How the loan is set up for day-to-day use
• What level of flexibility may be needed over time
• How it supports future plans, such as investing or restructuring

It is not just about what works today; it is about making sure it continues to work as your situation changes.

✨ The right structure can make a meaningful difference over time. Mortgage Choice is here to guide 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

Rental income can be a great support when building your borrowing position, but it is not always treated as straightforw...
30/05/2026

Rental income can be a great support when building your borrowing position, but it is not always treated as straightforward as people expect.

What we often see is buyers planning around the full rental amount, only to find that lenders apply their own adjustments behind the scenes. This can change the numbers more than expected.

The way this is assessed can also vary between lenders, which is why structuring the application properly matters. In some cases, choosing the right lender can make a noticeable difference to the outcome.

We work through this with clients early so there are no surprises later on, especially when planning an investment or using rental income to support a purchase.

✨ Understanding how your income is viewed can help you plan more effectively. Mortgage Choice Merimbula is here to guide 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

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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