Mortgage Choice
Nandini Varma

Welcome to Mortgage Choice Cairnlea | Your local Mortgage Broker & Finance Experts in Cairnlea, Caroline Springs & surrounds

Looking for a Home Loan, Car Loan, Personal Loan or Commercial Loan? Talk to Nandini Varma, your local expert Mortgage Choice broker who has over 20 years of Banking and Finance experience. Let us research and compare over 35 lenders for you.





  • Call Us Mortgage Choice Cairnlea
  • Office - 03 9363 3333
  • Open Hours Mortgage Choice Cairnlea
  • Mon - Fri: 9 am - 5:30 pm
    After Hours: By appointment
  • Free Appointment
Address

Suite 7E, 1st Floor, Cairnlea Commercial Centre, 100 Furlong Road CAIRNLEA, VIC 3023
Latest home loan interest rates
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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

 

Providing expert mortgage support to my customers for over 20 years!

Keen to buy your first home? Are you interested in building an investment property portfolio for your future? Or perhaps you're interested in getting a loan through your self-managed super fund in order to buy property.  

At Mortgage Choice in Carinlea, we can help you with property loans, commercial loans, car loans, equipment finance and more.

Did you know we don’t just help you with home loans? Talk to us about:

  • Personal loans
  • Car loans
  • Equipment finance
  • Business loans
  • Commercial loans.  

Talk to us

We'd love to find out more about your property ownership goals and to help you achieve them.

You can rely on me and my team. We will guide you through the home loan process and to find a loan to suit your lifestyle needs.

Finalist, AMA Broker of the Year (2011) - Insurance (Loan Protection and Life) It was gratifying to be recognised in the 2011 Australian Mortgage Awards for my passion for helping clients and their loved ones with insurance solutions.

Recognition as "Every Day Hero " in Annual Conference 2017 by Mortgage Choice.

How we make a difference

I'm a 'can do' professional with a strong belief that service is personal. My role is to make things simple for you, so you can focus on doing what you love ! It's why I go the extra mile for my clients.

Better still, we don’t charge to find the right loan for you. We are paid by the lender once your loan settles. In some limited circumstances your broker may charge a fee, which would be discussed with you before proceeding. We're your mortgage broking team for the Brimbank-Melton area of Melbourne.

We recognise that the home loan market is complex and sophisticated, and our core purpose is to get you a home loan in a simple and convenient manner for you.  

We've been helping people from all walks of life with different kinds of lifestyle and financial needs. 20 years of experience goes into everything I do for you.

We help first home buyers, investors and customers looking to 'health check' or refinance an existing loan when their circumstances change.

We also love finding solutions to complex loan scenarios – such as family equity loans, interest only loans, lending to trusts and businesses.

When we find a home loan to suit you, it's like having over 20 lenders competing for your business!  

Whether it's your first home or investment property or you're wishing to relocate to another area or wanting to look at refinancing options for your existing loan, we're here to help.  

Buying your first property

It's commonly believed that you need a large deposit to buy your first home or investment property.

Did you know that, depending on your circumstances, a deposit as low as 5% could be enough to get your foot in the door?

Let's talk about making your first property purchase stress-free and enjoyable.

Finding you loan protection insurance, life insurance and more

Through our relationship with Australian Life Insurance, we can help with:

  • loan protection insurance
  • life insurance
  • general insurance.    

How we can help you

  • Analyse and understand your home loan needs
  • Review your financial and property ownership goals - find you a suitable home loan from over 20 banks and lenders
  • Manage the entire home loan application process, keeping you informed at every step - assist you with the home loan paperwork process from start to finish
  • Stay in touch with you from when you enquire about a loan, apply for your loan through to settlement and beyond
  • Working with you, for life
  • And supporting you when your circumstances change.    

Areas I service

I cover Melbourne's western suburbs: Ardeer, Sunshine, Braybrook, St Albans, Albanvale, Kings Park, Deer Park, Deer Park North & East, Cairnlea, Burnside, Burnside Heights, Caroline Springs, Rockbank, Plumpton, Melton, Ravenhall, Tarneit, Truganina, Taylors Hill, Hillside, Delahey, Sydenham, Watergardens, Taylors Lakes, Kealba, Keilor Downs, Keilor Downs Lodge, Keilor Lodge and the rest of Australia through requests and referrals.    

Let's get started

Give us a call on 03 9363 3333 or 0418 166 866 or use the ‘Contact Us’ link at the top of the page to set up a time to meet. We can meet in our new Cairnlea offices or we can come to you. We look forward to meeting you.

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


We were referred to Nandini by a family member - and honestly, it felt like striking gold. From our very first conversation, Nandini impressed us with her deep knowledge, professionalism, and unwavering commitment to securing the best outcome for us. She took the time to understand our financial goals and tailored her advice with clarity and care.

Thanks to her diligence and strategic thinking, weve... read more

Steven
12 June 2025  

Excellent service, very friendly and supportive. Understand our need and provide solutions accordingly. Would recommend to anyone everyone to reachout to Nandini for their Mortgage requirements.

Tushar
22 May 2025  

Nandini has been the most helpful mortgage broker
She has helped me buy my first property 15 years ago
Just about to settle on another property
Nandini had also help various friends and family members over the years
Always ready to help and answer questions
Thank you Nandini for your patience and time

Simone
17 February 2025  

We were referred to Nandini by a close friend. We contacted her and in hopes to get her assistance and she got back to us right away. Nandini and her team's response rate and quality of service was phenomenal. She and her team has checklists ready to expedite the process of us finding a home and they also provided us with essential tips and tricks to land a good first home. She was always available... read more

Noree
05 January 2025  

As a first home buyer I was a overwhelmed by the mortgage application process but Nandini provided excellent guidance and advice every step of the way and made the process smoother and less stressful.

Brendan
19 December 2024  

Nandini is not only a thorough broker who goes the extra mile, but she is also an amazing and caring person. She has been by my side every step of the way and never gave up. She is persistant and will go out of her way to help you. She's prompt, returns calls and emails. She's definitely the broker of choice We are nearly there Nandini Thanks for all of your AMAZING help. So blessed to have found you

Michelle
18 December 2024  

My husband and I have used Nandini at Mortgage Choice for all our financial needs for over 10 years now. We trust her experience and expertise in providing us with the best possible solution to whatever we approach her with to better ourselves

Thankyou so much Nandini for always going above and beyond to ensure we are always looked after
We highly recommend you to all our family and friends ?

Karen
16 May 2024  

Nandini has been our choice of broker for many years and has helped us with multiple investment properties and loans. She is highly recommended. Don't hesitate to contact her. She always goes above and beyond to get the results. 5 stars from me.

John
15 March 2024  

Nandini and her team at Mortgage Choice - Cairnlea always go above and beyond to help their clients. From our first home from construction to hand over, to now refinancing our loan. Nandini is always so lovely to deal with. She is prompt when it comes to answering our queries, she offers advice when needed and always updates us, both through emails and phone calls. She has made it stress free process for us to sort out our finances. Thank you so much for all your help

Hazel
14 November 2023  

We couldn't thank Nandini enough for her assistance in ascertaining the most appropriate loan package for our third purchase using Mortgage Choice in Cairnlea. Nandini really knows her stuff and was at all times quick to respond to all my questions, even after hours. She is very professional yet friendly and will go out of her way to get you answers promptly. I have referred many family members and f... read more

Amanda
12 November 2023  

Read more reviews

Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.


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