Life In Perth

Business Insights – Herman Esterhuizen from Mortgage Choice

This week our Business Insights feature interviews Herman Esterhuizen, a local Perth mortgage broker for Mortgage Choice. Herman is always ready to help new migrants (and ones who have been here for years!) with all their financing needs, whether it is for a loan, car or house.

herman esterhuizen

Tell us how you first got involved in your industry.

I started in the finance industry with Nedbank back in 1997, fresh out of Tuks with student debt on my shoulders and the world at my feet!

What does a typical day in your role/business look like?

I usually have an early morning start with a networking breakfast and a catch up on what’s happening in the lending and property markets. My day includes meetings with various clients, lenders and business alliances to discuss finance opportunities perform finance health checks and just generally tend to their needs. I spend a fair amount of time completing the onerous paperwork (so my clients don’t have to) and following up on the progress of their finance applications. The paperwork that you hate… I do it all!


What has surprised you most about working in your job?

The vast number of lenders with varying products and policies that people have to choose from and how much value can be gained from using a broker to help you make the best selection for your circumstances.


What do you find most challenging about your job?

Since I’m always on call for my clients, the work life balance can be a bit skewed.


What do you wish other people knew about your job/business?

Our home loan service is at no cost to you. Each lender pays different commission, but through the Mortgage Choice payment system, we get paid the same commission regardless of which home loan you choose.


mortgage choice logo


What might people be surprised to know about you?

I am also a commercial qualified pilot with the majority of flying hours on humanitarian flights.


If you weren’t doing this job, what would you be doing instead?



How would your colleagues describe you?

Resourceful, helpful and friendly.


What do you do when you aren’t working?

Gardening (when my wife makes me), taking my tiny yorkie for walks or playing paint ball in the bush.


What is the first thing you think of when you wake up in the morning?

Where’s my coffee!? Then I start my day by spending a few minutes think of what I want to achieve that day.


What book are you reading now?

50 Shades of… wait no…


Chocolate or vanilla?



What was your favourite subject at school?

Trigonometry and physics


If you could live anywhere in the world (not South Africa or Australia) where would you live and why?

Antarctica (love an adventure!)


What is your dream holiday destination?

The Rocky Mountains


What’s your favourite film?



What’s your favourite book?

The Art of War


What did you want to be when you grew up?

An astronaut.


What’s your worst habit?

Junk food on the road.


What first world problem annoys you the most?

Sitting through the commercial when I forget I’m watching a recording.


What qualities do you look for in your friends?

Honesty and positivity


What’s the most adventurous thing you have done?

White water rafting the on White Nile in Uganda…unknowingly ended up swimming with hippos!


Final word…

A really great man is known by three signs: generosity in the design, humanity in the execution, moderation in the success.


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