Julian Choo

Principal Credit Advisor

Loan Market

5.0 ( 357 Reviews)

Book Appointment

About Julian Choo

Julian Choo is a Mortgage Broker focused on making the lending process clear and efficient for his clients. With almost a decade of experience across banking and property, he brings a strong understanding of how lenders assess applications and how the local property market influences loan outcomes.

Julian works with first home buyers, upgraders, down-sizers, and property investors who are buying a home, buying an investment property, or refinancing a loan. He helps clients access loan options from banks and lenders across Australia, taking time to understand their financial situation, borrowing capacity, and long-term goals. This includes reviewing equity or cash deposit positions, using a guarantor where suitable, and explaining how lenders mortgage insurance (LMI), loan to value ratio (LVR), and Debt-to-Income Ratio can affect the loan amount and interest rate.

As a Mortgage Broker, Julian supports clients through the full application process, from loan pre-approval to settlement. He assists clients to get pre-approved, apply for a loan, and complete a streamlined application process. His experience covers variable interest rate loans, fixed interest rate loans, interest only loans, and principal and interest loans for both home loans and investment loans.

Julian also helps clients access Government Grants and Incentives, understand stamp duty costs, and review home equity as part of a home loan health check. Where possible, he looks for interest rate discounts and opportunities to potentially access a better interest rate over time.

Outside of work, Julian is passionate about photography, reflecting his attention to detail and calm, approachable style when supporting clients through important financial decisions.

Check your Borrowing Capacity with Julian Choo

Check Borrowing Capacity

Find out how much you may be able to borrow in less than 60 seconds.

Loan Health Check

Find out how much you may be able to save by refinancing to a better loan.

Book Appointment

Book an Appointment with Julian Choo to see how they can help.

Reviews for Julian Choo

5.0

357 Reviews

Ishita Sharma

Julian and his team are highly efficient and prompt It has been so amazing with him

Gabriel Wee

From day one, Julian and his team impressed us with how professional and knowledgeable they were. No question was too small, and no detail was overlooked. They were incredibly thorough throughout the entire journey from start to settlement. Thanks to their expertise, my family secured the best loan for my first property. Highly recommend Julian to anyone who wants a broker who truly knows their stuff and won't cut corners. We're so glad to have had you by our side throughout this journey.

ken

Working with Julian and his team on my refinancing was clear and efficient from start to finish. They were communicative and successfully secured a rate below 6%. I would work with them again.

NG2k15

I was having difficulty getting a home loan and the broker from a major broking firm advised me multiple times that I wouldn't be getting the amount I was looking for. Julian and his team called me at the right moment just when I was about to give up on my idea of buying an apartment and not only made it easy to get the loan but guided me to maximise and go above my initial perception of what I would be eligible for. This helped me getting the perfect apartment which I'm more than satisfied with and excited to live in every day now.

Kevin Wong (黃餘豪)

Julian is highly responsive and on the front foot in finding the best rate for our loan. He understands property and will provide the best advice. He was able to help find a better rate in a short period of time for refinancing position and we were able to unlock equity from it at the same time! All thanks to Julian we can look at purchasing the next deal so much sooner.

Xuan Li

Julian and the team are very efficient and professional. Highly recommend them

See More Reviews for Julian Choo