Chris Hegney

Loan Market Mortgage Broker servicing Castle Cove, Roseville Chase, Middle Cove and surrounding suburbs

About Chris Hegney

After a successful career spanning over 20 years as an Interest Rate broker in the Financial Markets, I decided it was time to move on and think about what I would do for the next 15-20 years of my working life.

A friend suggested looking at Mortgage Broking, after all I always had offered good advice on when would be a good time to go Fixed or stay Variable. After looking into it, if filled a lot of requirements, I could retain my broking skills, retain client facing contact, which I enjoyed, and use my interest rate knowledge to help my customers.

Being a broker I always enjoyed helping my customers get set in the trades that they were looking at and also at the price they were interested in. The philosophy is exactly the same in the in the Mortgage space, Client satisfaction! You can rest assured that I will always have your best interests at heart and will be working hard to get you the deal you deserve.

A lot of people ask “Why should I use a Mortgage Broker?” Time, Convenience and Knowledge. These day’s people lead such busy lives that they are time poor, they just don’t have the time to research the thousands of mortgage products that are out there.

It’s my job to know the majority of the products and by sitting down and talking to you and listening to you to find out what it is you are looking for in a mortgage, and if your not sure to explain how products work. Then I do the research for you, we have over 30 lenders to select from offering over 800 products. We also build relationships with the banks and more often than not are able to get a rate that is better than advertised.

Then the best part for you is we fill in the application and submit it to your chosen lender, stay on top of the application process and follow the loan through it’s approval process. You probably wouldn’t even set foot in a bank! I want to take away that stress of getting a mortgage and dealing with a bank etc to give you more time to look for that home you want.


Your Home: This is likely to be the single biggest purchase in your life. It can be at time’s rather stressful, but it doesn’t have to be. Whilst I’m unlikely to find your dream home for you, I can certainly find the most appropriate home loan the suits your needs now, and more than likely, your needs into the future. I do this by listening to what your needs actually are and what you would like to achieve in the future, with relation to your borrowing. I have access to over 30 lenders offering in excess of 700 products between them. People are just too busy these to have the time to do all the research themselves to find the most appropriate loan at the right interest rate. Believe it or not, the lowest interest rate might not be the best for you. I can free up your time to see more homes and at the same time potentially save you tens of thousands of dollars in overall interest payments over the life of your loan. Now that’s a good thing. Call me to discuss how.


Investing in property can be a very good wealth creation tool. With historically very good long term capital gains in the asset and utilising negative gearing to minimize your personal tax liabilities. Whilst that sounds all well and good, once again the correct loan structure and also provider should be chosen to maximize your investment. I will work closely with you and your financial advisor (if you have one) or accountant to come up with the best solution for you. Call me to discuss your investment requirements.


In today’s world change is inevitable. Your current loan may be a few years old and might not have the required features that you now need, it may also be attracting a higher interest rate than what is now available. You might like to consolidate other financing, such as a car or personal loan, into you home loan. Or you just might like to investigate whether it is actually beneficial to re-finance into a cheaper loan. Talk to me about how I might potentially reduce your overall repayments and ultimately save on your overall interest repayments.


I can help you source the best vehicle loan for you or your business. What oftern might appear to be the lowest rate might not actually be the best or cheapest deal. Sounds strange I know, but it’s my job to look for those hidden extra’s and those monthly service fee’s etc. They all add up and can often be more costly in the long term. It costs nothing to talk to me and I may save you thousands.

Equipment Finance

I can help businesses source the right finance package for their equipment purchase. Whether you're expanding, or just want to update or modernise the equipment you already have. I can make it as easy and as painless as possible, leaving you to do what is more important, Running your business! By taking time to talk to you and listen to you and gain an understanding of what you do and your objectives, I can try and advise on the best product to suit your present needs. Whether it be a Chattel Mortgage, Hire Purchase or an Operating Lease, I will work with you to find the best loan structure and rate to suit your requirements.