About Minted Loans

Your trusted Sydney mortgage broker, from questions to keys.

As an independent mortgage broker in Sydney, we’re dedicated to helping you achieve your long-term financial goals with personalised mortgage advice. Unlike larger institutions, we’re not tied to specific lenders, allowing us to provide strategic lending solutions that prioritise your needs, whether you're a first-time buyer or investor. Our passionate team is committed to finding the best solutions to support your property goals.

Human Connection

Our approach is rooted in human connection, we strive to understand the individual, communicate efficiently, and make the process simple.

Personalised Advice

We provide tailored solutions that cater to each client’s unique needs, whether they’re buying their first home or growing their investment portfolio.

Expert Service

With extensive experience as independent mortgage brokers, our team provides strategic lending advice focused on your long-term financial goals.

  • Mortgage Broker Sydney

    Patrick Cho

    Principal Broker

    Patrick Cho is the Principal Broker at Minted Loans, with over 15 years of experience in the mortgage industry. His background at major banks gives him a unique edge, providing clients with a deep understanding of the lending process and the best solutions available. As a father, his true passion is helping young Australian families achieve their dream home or grow their investment property portfolio through strategic debt structuring. With a vast network of trusted experts in Accounting and Financial Advice, Patrick is committed to delivering a holistic service and building long term relationships. 

    Details
    • Bachelor of Commerce (BCom), University of New South Wales (UNSW)
    • Cert IV and Diploma of Finance and Mortgage Broking Management (Kaplan)
    • 15+ years experience 

    Work with Pat

  • Michelle Cho

    Operations Manager

    Michelle Cho is the Operations Manager at Minted Loans. Prior to joining the mortgage industry, Michelle spent 15 years as a radiographer at The Children’s Hospital at Westmead, where her passion for helping others was central to her work. Michelle’s expertise in operations, attention to detail, and analytical mindset led her to transition into mortgage broking, where she now manages account operations and compliance. Her genuine care for people and dedication to providing exceptional service continues to shine through at Minted Loans. With her detail orientated approach, Michelle plays a key role in ensuring our clients have a seamless experience. 

    Details
    • Bachelor of Applied Science (BAS), University of Sydney (USYD)
    • Cert IV in Mortgage Broking Management (Kaplan)

    Work with Michelle

Our Difference

An independent mortgage broker that puts you first.

A mortgage isn’t just about numbers, it’s about your future. As an independent mortgage broker, we take the time to get to know you, offering tailored lending solutions that speak to your unique needs. You won’t get lost in the system here. We’re committed to personalised mortgage advice that makes the process clear, simple, and stress-free. Every decision is made with your long-term financial goals in mind, so you can feel confident and supported with every step.

$100m+

in settled loans

12+ Years

lending experience

40+

lenders nationwide