Nick started his banking and finance career 9 years ago, working for one of the major 4 banks in Australia. He started with providing services for unsecured lending and then transitioned into a role assisting clients with their home loan maintenance needs. After 3 years, Nick decided to step out of his comfort zone to help clients with all banking products at his local branch. Nick’s personable manner and care led him to find an interest in Mortgage Lending.

In early 2017, Through Nick’s drive for continuous improvement and his ambition to grow, he was offered an opportunity to venture into Mortgage Brokering. This was where Nick spent time shadowing and learning from the top mortgage brokers in the country. During this period, Nick assisted with a wide range of clients: First home buyers, residential to commercial investors and many more.

This, in addition to his experience working at the banks, gave Nick a set of skills that allows him to understand his clients and provide them with recommendations that are tailored to their needs. Nick prides himself on being able to assist homeowners and property investors with sound advice, while making the process seamless, informative and easy to understand.

About Nick Chen

Buying your first home is an exciting moment in your life, but there is a lot to think about. I make the home loan application process as smooth and easy as possible, so you can contrate on finding the right home. As part of my service, I will guide you through the different types of home loans available to you and will assist you in choosing the right one for your situation. If you are eligible for he First Home Owners Grant or any state government first home buyer assistance, I will help you fill in the paperwork.

Refinancing your mortgage is something that needs careful consideration. The most important thing to look at is if refinancing will place you in a better financial position, than you would be if you were to continue with your current loan. I will help you guide you through the available products from a large variety of lenders, and to breakdown the sums with you to show you the costs involved in changing home loans. All projected costs over a set timeframe for both your current and proposed home loans. And if you decide that refinancing is the right move for you, I will assist you in completing all necessary paperwork to make the change.

Property investment can be a smart wealth creation strategy, if you get it right. And that doesn’t just mean finding the right property to secure – you need the right investment finance as well. Your investment loan package should be tailored to your investment strategy and goals. I work closely with our finance planning and accountant to make that happen. Whether you are an experience property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.

When we asked Nick Chen

What is your dream holiday destination?
I love history. I have never been to Europe and I can only imagine the richness in history in every country of Europe. When I visit one day, I can imagine this would be my dream place to visit. I just wonder how long it would take to travel the whole continent.

4 people you would invite to dinner?

Elon Musk, Steve Jobs, Norm Macdonald & Daniel Negreanu.

Favourite movie of all time?
Everything Everywhere all at once. It is a masterpiece that show cases first generation Asian Americans fitting into the western world, something I am very familiar about.

What was your greatest success?
Understanding that life is all a balance.

What is your favourite quote?
All things work together for good. We live in a world where many things are out of control. Fortunately for us we also work in the industry where many things act the same way. Sometimes having faith that it all comes through for good in the end, makes the journey a little more bearable.

What others have said about Nick Chen

Excellent communication skills, great energy and very good response time – would highly recommend Nick for sourcing your financing needs!
Mel Cruz
Nick Chen was immensely helpful in assisting me getting finance across what was a very difficult time during Covid.
Thanks so much Nick!
Lisa Kean
It has been a pleasure working with Nick. He understands the needs of his clients and always delivers without disappointment. High level of communication and keeping you informed every step of the way. Would not hesitate to use Nick if you’re in need of a mortgage broker!
Steven Pan

Nick provided the best service in our recent purchase, dealing with banks, even agents and provided timely updates and advices.
Always recommended RateOne to friends and will do in the future.

Rao Jonnalagadda

My partner and I had the great pleasure in working with Nick and Ted to make our first home owner dreams come true. After years of being told we couldn’t own our first home we finally found people that told us we could and now we do!! Nick guided us the ENTIRE way through. He answered our calls and concerns outside of business hours, he explained things over and over until we under stood. He went above and beyond in ways I could never repay him for. He was just truly brilliant! We never felt like just another number like we did with other brokers. There was a genuine care factor the whole way through. The experience was so great with the team that we are not done yet. We will be back for our future homes, cars etc and we know that we will be supported by people that genuinely have our best financial interest at heart. So to Nick and Ted, my family is forever thankful for changing our lives forever!!!


Book an Appointment

Call me for a free home loan health check.

I will compare your current loan to hundreds of other finance options to see if a different mortgages maybe more suitable potentially saving you thousands of dollars and lowering your monthly repayments.

I am located in Mooroolbark and predominantly service clients in Bayswater, Boronia, Chirnside Park, Croydon, Lilydale and Kilsyth.

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