Our unique proposition

At Mortgage Choice, we have a key point of difference in the market that gives peace of mind to our customers and franchisees alike. It ensures we have our customers' best interests at heart and an ethical approach to business that drives us.


Our difference is your unique selling point

We believe every Australian has the right to a home loan that suits their needs and financial advice they can trust and afford. Our transparent and consistent pricing structure tells customers exactly what they’ll get for their money so they are always in control.

Our customers know we put their needs first because of our unique commission system, which sees Mortgage Choice brokers receive the same rate of commission no matter which home loan or lender the customer chooses, from our panel of lenders.

We carry a similar philosophy into our financial advice services by using a fee for service model. Our financial advisers also get paid the same rate of commission for risk insurance advice, no matter which product or product provider (insurer) our customers choose, as long as it’s from our approved product panel. So, our customers can be sure they'll get the product that suits their needs. 

This difference is also the reason that many of our brokers and advisers enjoy a high rate of customer and business referrals.


What makes us different?

How do you know if your mortgage broker is really recommending the right home loan for you? 

To answer this, we need to explain how a mortgage broker gets paid. Let's take a look.

Start your own story with us.

How do our brokers get paid?

Let's talk money.

To answer the question "How do our customers know if we're really recommending the right home loan for their needs?", we need to talk about how a mortgage broker gets paid.

Our service is at no charge to our customers.

At Mortgage Choice, our home loan service is at no charge to our customers because the lenders pay us a commission on the loan on settlement. This doesn't affect the deal that our customers get from the lenders.

Mortgage Choice pays our brokers commission.

Mortgage Choice then pays a commission to the broker who settled the home loan.

And we pay the same rate of commission!

Different lenders pay different commission. Some pay more than others. But at Mortgage Choice we pay our brokers the same rate of commission, no matter which home loan the customer chooses from our panel of lenders.

That's not always the case.

With other mortgage brokers, that’s not always the case. Many of the major mortgage broking groups in Australia simply pass on the different rates of commission to their brokers.

Is every broker focused on the right outcome?

When our potential customers are thinking about using a mortgage broker, we prompt them to think about whether other brokers get paid more for recommending one lender over another.

Our customers' best interests at heart ...

At Mortgage Choice, we give our customers peace of mind that we have their best interests at heart as we provide them with expert home loan advice at no cost to them.

The right choice for our customers.

We can compare hundreds of home loans from over 20 lenders, including the big 4 banks. But at Mortgage Choice, the only choice that matters to us is the one that’s right for our customers.