Meet our Home Loan Experts from Mortgage Choice Mackay and Surrounding Areas

Owner/Director & Mortgage Broker 

 After 12 years in the local trade industry as a business development officer, Ben joined the Mortgage Choice team in 2006. Combining forces with his brother, Peter Phillips and wife, Denise Phillips who established the office here in Mackay in 2000. 

Having personally gone through the process of building and purchasing property (for both personal,investment and commercial purposes) Ben’s passion for the industry is undeniable. Ben offers a personalized service to the Mackay and Whitsunday region, investing in saving you time, hassle and possibly money by completing the research to find the best solutions for your lifestyle and making that dream a reality. 

Contact | ben.phillips@mortgagechoice.com.au

Ph: 0412 177 181

Office Manager & Mortgage Broker 

Justin joined our team in 2017 after previously working for leading companies such as Telstra and Next Byte for over two and a half years. 

Justin commenced in office as a loans processor however, quickly realized his passion for Finance and his desire to advance his career. Having completed his Diploma of Finance and Mortgage Broking in 2020, there was no looking back! Justin dedicates a high priority to customer service and promotes an effortless process for clients during their experience to feel confident and at ease. 

Justin has placed in the Adviser’s top "30 Under Thirty" National ranking in 2023 establishing him as one of the top young brokers in Australia making him a huge asset to our team! Having been part of our team for the past 6 years and having a passion for our company values - his role also doubles as Office Manager, bringing a wealth of knowledge and support to all our staff and clients. 

Contact | justin.shoer@mortgagechoice.com.au 

Ph: 0400 536 164

Mortgage Broker 

Zachary became part of the Gardian Finance team in January 2022, bringing years of leadership experience from the telecommunications industry. His dedication to finding tailored solutions for every client has equipped him with the skills to truly understand and meet their unique needs.

Since joining Gardian Finance, Zachary has grown into his role as one of our valued Mortgage Brokers. He holds a Diploma in Finance and Mortgage Broking Management and serves as a Commissioner for Declarations, underscoring his commitment to excellence and professionalism.

Zachary’s genuine passion for helping people shines through in his work. He takes pride in making the home loan journey seamless and stress-free for his clients, ensuring they feel supported every step of the way.

Contact | zachary.spencer@mortgagechoice.com.au

Ph: 0418 925 501

Office Management Support & Broker

Nikita has been a part of the Mortgage Choice family since 2012, commencing her career with Ben in Finance at just 18 she gained valuable experience in the finance world. Using the knowledge and on hand experience she obtained in her position, she promptly completed her Diploma in Finance and Mortgage Broking completed the lender accreditations and immediately found her passion in assisting others in achieving their financial goals and creating financial wealth & security for our clients. 

In 2017 Nikita decided she wanted to further educate herself and transitioned to Real Estate. After a few years in Real Estate - Property Management, she hit pause on her career and started her family.

In 2022 Nikita returned to our Finance team. Having experience in Finance, Real Estate, Administration and Hospitality, Nikita brings a diverse skill set to her current position. Her role as Office Management support is to help in all arears to support Ben and Justin in the running of the office. Nikita is also responsible for and conducts regular training with our admin support staff to ensure everyone is kept up to date with compliance and new lending policies.  Nikita’s passion for the industry and hands on knowledge, industry experience and willingness to help her team members reach their full potential makes her the perfect fit for our Finance Team.

Contact | nikita.denkewitz@mortgagechoice.com.au

Ph: 0477 550 411

 Loans Processor 

Golda joined Mortgage choice in 2022. Golda ensures that all clients, solicitors, real estate agents, lenders and all other parties involved in the transaction are kept up to date regularly throughout the process of the loan. 

Golda’s role supplies direct support and assistance to Ben from post appointment all the way to settlement. Having come from a sales and retail background Golda effortlessly provides the most punctual, reliable support and service for her clients. Her friendly and approachable demeanour allows her to build strong relationships with her clients, instilling them with trust and confidence on their financial journey. 

Contact | golda.emery@mortgagechoice.com.au

Loans Processor 

Grace retains valuable experience within the customer service industry. After joining the team in early 2020 she was able to utilise her experience and skills to quickly recognise the importance of communication between all relevant parties throughout the loan process. 

Providing direct support to Justin and clients, Grace delivers a professional and prompt point of contact throughout their financial journey. Grace's favourite part of her job is advising people that their finance has been approved! Grace’s commitment to client satisfaction, attention to detail, and enthusiasm for the finance industry makes her a valuable asset to our team. 

Contact | grace.birkett@mortgagechoice.com.au 

Loans Processor

Late 2023, Ella joined our team after finishing school with years of customer service and retail experience. Although Ella hasn't been working with our team for very long, as the daughter of Peter and Denise Philips who established our office in Mackay in 2000, Ella has a great understanding of our values and wants to use her personal connection to the business to ensure brokers and clients reach their goals as efficiently as possible. 

Contact | ella.phillips@mortgagechoice.com.au

Loans Processor

Max officially joined our team in September 2023 after completing a successful work experience stint during his school holidays, where he discovered his passion for finance. Since then, he has taken on a full-time role as a Loans Processor, working closely with Zachary to support clients throughout their home loan journey.

With prior experience in retail, Max brings excellent customer service skills and a keen willingness to learn. Driven and ambitious, he has set his sights on advancing his career and becoming a Mortgage Broker in the future.

Max’s enthusiasm for finance and dedication to growth make him a valuable part of our team.

Contact | max.mclennan@mortgagechoice.com.au