Lock in rates before it is too late!

With house prices falling in many parts of Australia, now might be the perfect time to speak with your local expert.

Latest home loan interest rates

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p.a.

Comparison rate

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Get expert home loan advice at no cost to you

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Choose from our wide range of lenders

Your Mortgage Choice broker can search through deals from over 20 lenders, including the big four banks, to find the loan for you. Plus, they may be able to arrange discounts on advertised home loan rates, to get you an even better deal.  


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Your local Mortgage Choice expert


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We have local experts available to help you with all things finance related. They'll make complicated easy and provide you with the information and advice you need to make the right decisions with your money.

We can assist you with your personal finances including your home loan, car loan and insurances and our financial advisers can help you plan to achieve your financial goals now and in the future. We can also help you organise finance to start or grow your business and fund your assets.

Contact one of our local experts today to see how we can help you. 


Find an Expert

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We know how important it is for you to be able to trust the advice you are receiving from our experts.

Our home loan service comes at no cost to you because we get paid a commission by the lender when you settle a home loan. We then pay your broker but we do it differently from other mortgage brokers. Your Mortgage Choice broker gets paid the same rate of commission no matter which home loan you choose from our wide choice of lenders.

This makes sure they always have your best interests at heart.



Mortgage Choice was founded by the Higgins brothers over 25 years ago. They believed in giving Australians access to a choice of home loans, backed by expert advice to help them make the right choice. They were pioneers in mortgage broking and we've since helped over 400,000 people with their home loans.

Over the years, our passion for offering choice and advice has been extended to other areas of personal and business finance, including our industry leading financial planning service.


About Us

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What does a mortgage broker do?

A mortgage broker can take the time and hassle out of shopping around for the right home loan, and guide you through the home buying process with expert advice.

We've helped thousands of Aussies with their property goals


"My Mortgage Choice broker did a lot more than arrange an investment loan for me. He also had access to the latest property market data, which showed all the recent sales results for each suburb in my area. We went through these figures before finalising the loan because I wanted to be sure I hadn’t paid over the odds for the property."


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Brendan - Property investor
Brisbane, QLD

"Our broker was friendly, prompt, courteous and informative. In respect to securing a loan, he made it possible where others could not, and he has been able to structure our finances for future growth and investment. We would have no hesitation in dealing with Mortgage Choice for our next loan."


David and Maria Lawry - Home owners

"I particularly appreciated the way that my Mortgage Choice broker really listened to my needs. She looked closely at my budget and explained options that would help me maximise the value of my deposit. We discussed a broad range of home loan products, and my broker remained focused on ensuring I was comfortable with the amount I was borrowing. There was never any pressure to borrow more than I needed, and this was something I really appreciated."


Melinda Richardson - Home owner
Adelaide, SA

"A change of direction a few years ago saw me relocate to Queensland’s Sunshine Coast. With the help of my Mortgage Choice broker I purchased a gorgeous house that I absolutely fell in love with. But by the end of last year I realised the house was too big for just one person and I started to look around for something smaller. My broker laid out all the options for me, and I’m very happy with the loan I chose. In January I made an offer on a wonderful 2-bedroom apartment – it is perfect for my needs. I expect to be living in my apartment for a long time but if it turns out I need to buy elsewhere I’d head straight back to my Mortgage Choice broker for help choosing the right loan."


Karen Young - Downsizer
Sunshine Coast, QLD

"I’d definitely recommend Mortgage Choice. If I had known it would be this easy to arrange a home loan and buy a place of my own I would have done it years ago!"


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Andrew Ross - First home buyer
Melbourne, VIC

"The help our broker provided was amazing. I don’t know how many times we asked the same questions but he never made us feel like any questions were silly. He even took the time to explain our home loan to our parents. I have already recommended Mortgage Choice to my friends - I am just so happy with the way things turned out for us."


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Ashleigh Dodds - First home buyer
Melbourne, VIC

"After all these years it feels like my Mortgage Choice broker is partnering with me in my property purchases. He is very on the ball and encouraging, and I’m extremely comfortable working with him. I have no hesitation in recommending Mortgage Choice to anyone. Our broker is always very responsive and happy to clarify anything I’m not sure about. And I’m completely confident that he always makes recommendations with my best interests at heart."


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Jenni Austin - Property investor
Heidelberg Heights, VIC

"We still can’t believe how easy it was. Not only did our broker arrange an appointment suited around us but within a short time we felt completely comfortable and at ease with our refinance options. He gave us options which empowered us with choices that saved real time, lots of money and much anguish."


Nick and Angela Vlahadamis - Refinancers

"In mid-2017 we needed to upgrade our car, so I got back in touch with our Mortgage Choice broker. She gave us good advice on how to get our finances in order to be in the best possible financial position to apply for a loan. She also talked us through the various finance options and crunched the numbers to show how using home equity was a more affordable way for us to fund the car rather than using a car loan."


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B. Barrie - Refinancer
Lockrose, QLD

"I am very happy with Mortgage Choice and I am especially grateful to Emma at Mortgage Choice Nowra, who went the extra mile to help me complete the application forms, guide me through the home loan process and ensure I secured the finance I needed to buy a place of my own."


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Anthony Pryce - First home buyer
Nowra, NSW

Things can change quickly in the market.

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