Mortgage Broker Epping, Eastwood, Carlingford, Ryde, Pennant Hills, Beecroft and Cheltenham

Call: 0490 543 562

Drawing on over 20 years of experience as a property investor, together with a background in chartered accounting, law and wealth management, Michael will use his knowledge and insights to help you on your property-buying journey.

For Michael, it’s about more than just mortgages – it’s about helping clients build long-term wealth.

Call Us Mortgage Choice Epping
Office - 0490 543 562

Open Hours Mortgage Choice Epping
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Latest home loan interest rates

Starting from

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Comparison rate

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Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply.

Start your home loan journey today

Mortgage broker Eastwood, Carlingford, Ryde and Epping

Michael Siu is deeply passionate about helping his clients achieve their financial goals, big or small, and prides himself on being able to make complex processes seem simple. With a career spanning across accounting, law, wealth management and superannuation, Michael has a unique understanding of all different facets of the property journey, and he uses this knowledge to make sure you are getting the best outcome for your circumstances. Reach out to him today to have a chat over a coffee (Michael’s shout!). He loves to discuss all things property and can offer valuable advice, act as a sounding board, or offer you a second opinion on your plans.

When he’s not thinking about property, you’ll find Michael coaching the local cricket team, watching his beloved Bulldogs and Lions play or on a date night with his wife! Michael has been a local to the Epping/Eastwood area for more than 20 years, and loves being part of the tight-knit community here.

When should you refinance your loan?

Refinancing can be beneficial at many different points during the length of your loan - contrary to popular belief, keeping the same loan forever isn’t always an effective strategy. So, it might be time to consider a new loan if

Your fixed rate is about to end
Your financial situation is changing
You are unhappy with your lender
You have debts to consolidate or equity to access
Or if you just want to save money on your repayments!

And if you’re unsure whether it’s the right time, Michael can assess your loan in a free review and inform you of the best path forward. By evaluating both your current loan and the amount you could potentially be saving with a new deal, Michael can help you make an informed decision and keep your loan in the best shape possible.

Talk to Michael Siu today about your home loan

For a free home loan health check, click here:

Free Home Loan Check

We can also help you with

Frequently asked questions

How much is stamp duty?

The amount of stamp duty you will pay is different for every purchase. This is because it depends on variables like the property price, your location, and the intended purpose of the property. To get a better understanding of how much you will owe, try out our free online stamp duty calculator today.

Stamp duty calculator

What should you bring to your appointment?

Generally, when you apply for a loan you will need to provide documentation about your identity, income, expenses and other information. Your paperwork can feel confusing when you apply for a home loan. That’s why our free downloadable appointment checklist is so handy - it will inform you of exactly what to bring to your first appointment with Michael.

Download the appointment checklist

What is LMI?

Lenders mortgage insurance, commonly referred to as LMI, is a fee charged by your lender if you have less than a 20% deposit, because your loan is seen as higher risk. Depending on your circumstances, you may be able to use one of several methods to avoid paying LMI - chat with Michael about your options today.

Call Michael Siu on 0490 543 562 for the best home loan advice in the Eastwood area

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

Just bought an investment property in Brisbane and Michael did a great job, not only finding us the best rate but also how to structure the financing and guiding us through the process with several lenders and other stakeholders involved.

Abcdef
17 June 2025

Working with Michael was an absolute pleasure from start to finish. What really stood out was his exceptional communicationclear, timely, and always easy to understand. Throughout the process, I felt informed and reassured, thanks to prompt updates and a proactive approach to keeping us in the loop.
Beyond just being professional, Michael took the time to build a genuine relationship. It never felt tra... read more

Caitlin
02 June 2025

Michael was fantastic to work with and went above and beyond to support us through what ended up being a longer and more complex process than expected. He was always available to answer questions, kept us informed at every stage, and made what could have been a stressful experience feel much more manageable. His proactive communication and genuine care really stood out. Highly recommend Michael to anyone looking for a mortgage broker whos responsive, knowledgeable, and truly on your side.

Tom
27 May 2025

Michael was incredibly helpful in explaining the options that I had for my refinancing. There were quite a few decision points and paths we could have taken. He broke down the complexities in a way that was easy to understand and never made me feel rushed. Highly recommend reaching out to him

Mark
12 May 2025

Michael is an excellent brokerhe secured a 50bps reduction on my loan. Was the first broker to really ask understand my goals before recommending a solution. He clearly explains the pros and cons of each approach, works quickly, and brings a great attitude. Thanks Michael

27 April 2025

Had a great experience with Michael about refinancing options. He really knows his stuff and explained things in a way that actually made sense. Super approachable, no pressure, and clearly had my best interests in mind. Would definitely recommend having a conversation if you're thinking about reviewing your home loan.

John
27 April 2025

I really appreciated Michaels help with getting our home loan sorted. He was easy to talk to, explained everything clearly, and made the whole process feel way less stressful than we expected. He alwaysresponded quickly and was alwaysavailable to chat even after hours and weekends. I would definitely recommend using Michael to help you with your loan.

Sheley
25 April 2025

Michael was a huge help throughout the whole home loan process. He explained everything clearly, kept things moving quickly especially as the time frames were really tight. I really appreciated how easy he was to talk to. Would absolutely recommend him to anyone looking for a home loan.

23 April 2025

Michael was absolutely fantastic. He was incredibly knowledgeable and took the time to answer all my questions thoroughly. His combination of professional expertise and real-world experience made everything so much easier to understand. I really appreciated how he explained things in a way that helped me clearly visualise my options and feel confident in the decisions I was making. Highly recommend

Kira
08 April 2025

I had a great experience with Michael. He is a wealth of information and was invaluable in navigating my loan and property considerations. He took the time to help me to understand every step, was patient, clear and always willing to pick up the phone to answer my questions. As a first home buyer, his guidance gave me confidence in my decisions - I highly recommend him

Joshua
04 April 2025