Mortgage Choice - Shiva Karan

Mortgage Choice - Shiva Karan Shiva is a Finance Broker and specialises in home loans, business loans, asset finance and investment loans.

Based in Coomera, he services the Gold Coast, and regularly travels to Brisbane, Sydney and Melbourne to assist interstate clients.

If your budget is feeling the pinch with rising fuel prices and you’re considering a more environmentally and budget-fri...
05/06/2026

If your budget is feeling the pinch with rising fuel prices and you’re considering a more environmentally and budget-friendly car, an electric vehicle could be a good fit.

With EOFY right around the corner, now’s the perfect time to look at electric vehicle options, including potential Fringe Benefit Tax exemptions and lower, ‘green’ interest rates.

Reach out today to get started.

Keep it simple:Most buyers aren’t struggling to find a property.They’re just looking in the wrong price range.Things hav...
24/04/2026

Keep it simple:
Most buyers aren’t struggling to find a property.
They’re just looking in the wrong price range.
Things have shifted a lot recently, especially borrowing power.
And that’s changing where people should actually be looking.
If you’ve been unsure where you sit, happy to help you work it out.
Mortgage me later.
Shiva Karan

There’s a lot happening at the moment, and it’s not just about interest rates. Cost of living, day to day expenses, ever...
10/04/2026

There’s a lot happening at the moment, and it’s not just about interest rates. Cost of living, day to day expenses, everything adds up, and it can make decisions around our home loan feel a bit unclear. What I’ve noticed is that most people aren’t looking for the “perfect rate”… they just want to know they’re on the right track. If you’ve been unsure about your situation or just want a second opinion, I’m always here for a quick chat.
Shiva Karan

Rates moved. That doesn’t mean your goals should.I know rate rises can feel discouraging. Especially if your borrowing p...
19/02/2026

Rates moved. That doesn’t mean your goals should.
I know rate rises can feel discouraging. Especially if your borrowing power already felt tight.
But here’s the truth:
Lower borrowing capacity doesn’t remove opportunity. It just shifts the entry point. There are always options. They just don’t always look like the original plan. Calmer markets give you more time to plan properly. And good planning builds confidence. Don’t let headlines make the decision for you.
Shiva Karan

12/12/2025

A quiet moment of gratitude.
Having been born and brought up in Fiji, and later moving to Australia, I constantly remind myself that so much of what I have today is a bonus and something I never take for granted. What I have today, the opportunities, the stability, and the people I get to serve, are a reflection of the values and guidance I received growing up. On 27th of November, I had the privilege of being part of a meaningful handover in Fiji through Compassion Network, which I had the privilege of founding, alongside the Frank Hilton Organisation, the Australian High Commission in Fiji, and the Ministry of Health Fiji. Funds raised this year through our community’s generosity, AUD $17,755 (FJD $23,370) were used to deliver specialised equipment supporting infant hearing detection and early intervention, helping ensure children with hearing challenges are identified and supported at the earliest possible stage. The attached video captures moments from the handover program, with reflections from the Australian High Commission in Fiji, insights from the CEO of the Frank Hilton Organisation on the equipment and its impact, and a few words from me on behalf of Compassion Network. Together, these voices reflect what this initiative truly stands for, namely collaboration, dignity, and care for the children and families we collectively serve. As a finance broker, staying grounded matters deeply to me. My work is guided by the same human values I was raised with, that is integrity, appreciation for what we have, and a responsibility to act thoughtfully for others. Whether supporting clients through important financial decisions or contributing to community initiatives, I try to approach every interaction with humility and respect, remembering that trust is never assumed and must be earned. I am deeply grateful to every supporter, volunteer, sponsor, and donor who made this moment possible. This was not about recognition. It was about coming together to do what we could, with what we had, for those who need it most. Together, we move forward with one act of kindness at a time.

14/11/2025

Rentvesting vs Owning: What’s Right for You?
Rentvesting lets you live where you love and buy where you can afford.
Owning your home gives you stability and a place that’s truly yours.
Both strategies work, but for different reasons.
The real question is, Which one aligns with your goals, lifestyle, and long-term plans? There’s no universal answer. The right choice is the one that makes sense for you.
hashtag hashtag hashtag hashtag hashtag hashtag hashtag hashtag
Shiva Karan

Yesterday, I had a meeting with the team at Mercer & Cooper in Paradise Point and I walked away genuinely inspired. It w...
07/11/2025

Yesterday, I had a meeting with the team at Mercer & Cooper in Paradise Point and I walked away genuinely inspired. It was clear that their business is built on the same foundation I value most. That is ethics, integrity, and always doing what’s right for the client, even when that means having honest conversations or saying no. For me, mortgage broking isn’t about chasing numbers but it’s about helping people reach their goals with clarity, honesty, and care. As I continue to grow and stay focused on meaningful partnerships, I’m excited about what’s ahead. The professionalism and purpose driven culture at Mercer & Cooper truly stand out, and I’m genuinely looking forward to what this partnership will bring.

Shiva Karan

Back on the court and loving it.Every Monday night, I play doubles tennis at the Pimpama Sports Hub. A social comp that’...
03/11/2025

Back on the court and loving it.
Every Monday night, I play doubles tennis at the Pimpama Sports Hub. A social comp that’s become one of my favourite parts of the week. After years away from the game, picking up tennis again has been both fun and rewarding. It’s my childhood sport. The first one my dad ever taught me back in Fiji and it feels amazing to reconnect with it. Even with my ACL injury, I have been able to play carefully and enjoy every moment. One season down, and I’m genuinely proud of how far I have come. But what’s surprised me most isn’t just the tennis, it’s the people. Every week, I have met such a great bunch of individuals. All different backgrounds, all connected by a shared love for the game. It’s reminded me how powerful community and connection really are. Whether it’s on the court or in business, the lessons are the same. Consistency, focus, and teamwork go a long way. Grateful for the journey, the people, and the game that still teaches me something new every week.

Shiva Karan

Grateful for kind words like these from a recent Google Review.Helping clients secure their home loan, especially under ...
28/10/2025

Grateful for kind words like these from a recent Google Review.
Helping clients secure their home loan, especially under tight timelines is what I love most about what I do. It’s not just about rates and paperwork, it’s about communication, care, and going that extra mile when it matters most. Grateful for the trust and the opportunity to make the process simple and stress free.

Karan

24/10/2025

Your money can either sleep or work for you.
If it’s sitting in a regular savings account, it’s just taking a nap
But when you move it into an offset account, every dollar starts working to reduce the interest on your home loan.
Simple move. Big impact.
Let your money hustle while you rest.

Karan

Address

Upper Coomera, QLD
4209

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