Mortgage Choice in Upwey | Mortgage Broker & Home Loan experts

Call: 03 9752 3055

Looking for a home loan? Talk to Simone & Peter Ruddock, your local Mortgage Choice brokers from Upwey, VIC. Let us research and compare over 20 lenders for you.

Call Us Mortgage Choice Upwey
Office - 03 9752 3055

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

Address

2 Main Street UPWEY, VIC 3158

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

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

Start your home loan journey today

Go to www.mortgagechoice.com.au/whitehorse1

Hi, we’re a family run business located at 2 Main Street, Upwey. Our experienced team is lead by Peter Ruddock (who has been working in the industry for over 20 years), Lynne Ruddock and Simone Ruddock.

Our aim is to get you the loan that fits your needs and then assist you in putting strategies in place to pay it off as soon as possible; working to your schedule and not the banks.

Buying a property is a big decision but our team is here to do all the leg work, so you don’t have to worry. We share our experience with you so you can make the right decision, and when the time comes, we can help with investing, insurances, and additional loans too.

Our Home Loan Service has no charge

Lenders pay us, so you don’t have to. We're able to offer our home loan service to you at no charge because the lender pays us a commission when your loan settles.

Over 20 years experience

We’ve been in the industry a while and by choosing us, we do all the leg work and provide you with the advice you need to make an informed decision.

We can meet at a time that suits you

Yes, you can come in to our Upwey office but with modern technology, we can meet you remotely via phone or video call.

Wide choice of lenders

With over 35 lenders on our panel to choose from, we’ll help you analyse hundreds of loans, from big banks to small ones to find the loan that suits your needs.

Compare this to going into one bank for your loan where you are limiting yourself to just what they have to offer. You may be shortchanging yourself on borrowing capacity and/or the interest rates being offered.

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

Outstanding service I couldn't recommend more - the team provided expert advice and guidance throughout my home purchasing journey. Their professionalism and support were top-notch. Highly recommended

08 May 2025

Simone was wonderful from the start. She made the loan process easy to understand. Simone also ensured she got me the maximum loan to buy the property with a reasonable interest rate. She was very helpful throughout the process and would respond to my queries even after hours. I would say that the whole team is very reliable, prompt and helpful. I would highly recommend them to others. Thank you team

04 May 2025

Simone was efficient, professional, and genuinely caring. She understand our stress and went above and beyond to ensure we felt as comfortable and informed as can be every step of the way. Her authentic approach stood out, it was a relief to feel like we had a friend along the way to help us understand everything involved with sellingbuying property. Couldn't recommend her enough

Phil
28 April 2025

What a fantastic team at Mortgage Choice Upwey. Were so glad that we had the support of Simone, Peter and the team and would recommend them for mortgage and financial advise. Honest, committed to the best outcomes for their client and great communication throughout the process.
Highly recommend you contact the team at Upwey.

Tracey
26 April 2025

Simone, Peter and the Ruddock team have been very helpful and amazing to deal with during our first home buying experience. Highly recommend

Melanie
14 April 2025

Simone was great helping us with our refinance, walked us through all the documentation required, steps and all. Made the process seamless for us. Definitely recommend

David
17 March 2025

Simone and Cheyne have been so understanding and patient. They have made this process so much easier for me. I would definitely use their services again.

Danielle
16 January 2025

Simone and her team at Mortgage Choice in Whitehorse Yarra Ranges took on the challenge to refinance our messy mortgage, and they succeeded in every way possible. We are so grateful for their time and patience. They truly are the mortgage professionals. We look forward to working with them again in the future.

scott
15 January 2025

Highly recommend
Simone was amazing She made the entire loan process easy and stress-free. Simone took the time to understand my needs, explained all options clearly, and was always available to answer any questions. and Im grateful for their help in securing the best loan option for me.

Taylah
10 January 2025

Property Ownership

This guide outlines the essential steps to achieving property ownership, starting from the first appointment with a mortgage broker all the way to settlement.

Download now

Help me calculate

More calculators

I'm looking to borrow for

Just me Two of us

Dependants

Work status - are you self employed?

PAYG Self Employed

My monthly income before tax

Rental income

My monthly rental income before tax

Other income

My monthly other income before tax

My credit card limits

Other repayments

My other monthly repayments

2nd Applicant

2nd applicant monthly income before tax

Rental income

2nd applicant monthly rental income before tax

Other income

2nd applicant monthly other income before tax

2nd applicant credit card limits

2nd applicant other repayments

2nd applicant other monthly repayments

You could borrow up to

Repayments
/ month
Expenses
Remaining

Based on standard variable rate over years.

Start the pre-approval process

The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

Your borrowing estimate

Recalculate borrowing power

Monthly income

Expenses

You may borrow up to

Value of property

Borrowing

Over

Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate

Repayment options

Extra monthly repayments

Your monthly repayments
Total loan repayments:
Total interest charged:

There's a lot to consider when choosing the right loan.

The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.