Gardian Finance

Gardian Finance is a local Mortgage Choice broker servicing the Mackay and Whitsunday region. It operates in partnership with Mortgage Choice and has access to over 30 of Australia's leading lenders. The business was founded by the Phillips family in 2000 and is family-oriented. Ben Phillips and his team at Mortgage Choice Mackay have been local mortgage brokers for 25 years. Gardian Finance's services include home loans, investment loans, debt consolidation, personal and car loans, and equipment finance and leasing.

The team includes Justin Shoer, Franchise Manager / Loan Consultant, who joined in August 2017 and completed his Diploma of Finance and Mortgage Broking in 2020; Golda Emery, Office Manager / Loan Consultant; Denise Phillips, Managing Director / Owner; and Ben Phillips, Owner / Director. Ben Kerrisk is Owner / Director of Gardian Real Estate, and Luke Phillips is Owner / Director of Gardian Insurance.

Repeat clients returning for subsequent property purchases form the backbone of the feedback for this Mackay finance team, and their accounts consistently highlight the same strengths. Several buyers describe the ease of having real estate, finance and mortgage broking handled in one place, which they say simplifies buying a home. Justin is named repeatedly for his knowledge, professionalism and clear, understandable guidance through complicated buying and selling processes, while Grace, Nikita, Hamish, Ben and Golda also feature in accounts praising their patience, thoroughness and willingness to answer questions.

Reviewers repeatedly mention how quickly queries are answered and how proactively they were kept informed as applications progressed, with communication described as prompt and reassuring during what could otherwise be a stressful experience. The advice itself is portrayed as tailored to individual circumstances, with options explained carefully before any decision is made. Smooth settlements, including coordinating the sale and purchase of properties on the same day, come up as evidence of the team's organisation. The tone across the feedback is one of confidence built over multiple transactions, with clients describing a consistent standard of service each time they return for another home loan or property purchase.