Mortgage Choice Home Loans

We know that being able to afford your dream home or investment property matters to you. We also know it gives you peace of mind to know that your home loan can adapt with you as your needs change over time. We’d like to introduce you to our range of Mortgage Choice Home Loans.

A home loan that suits you

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Looking for a simple loan? With no ongoing fees and a competitive interest rate, the Basic Home Loan gives you all the basics, plus a little more. Pay off your loan using an offset account and still maintain flexibility with this fully transactional loan.

Why us?

Access your accounts anytime

With the Mortgage Choice Accounts mobile app and Mortgage Choice Online Services, you have 24 hours a day, seven days a week access to your accounts.

Get free, unlimited ATM access using your Debit MasterCard®

Your ATM transactions are free at all domestic ATMs, including the rediATM network 1.

Mortgage Choice Cashback

Accrue 1% Cashback 2 credit on all purchases. Use your Cashback credit how you like by redeeming into your Mortgage Choice Home Loan or straight back into your Mortgage Choice Platinum Card 3.

Flexible loan structure

Create multiple loan accounts with different rate, repayment type, and frequency.

Low Interest Rates

Choose variable, fixed or a combination of both.

Secure funds

Have peace of mind that your funds are secure. We have additional checking and authorisation processes to keep your funds safe and protected against fraud.

Help when you need it

If you need assistance, you can speak directly to our helpful customer service team from 8.30am-7.00pm (EST) Monday to Friday.

Access your accounts on the go

Mortgage Choice's new app is the exciting and easy way for you to access your accounts in real time and on-the-go - free from the Apple and Google Play stores.

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We've improved your online experience


Manage your money more effectively

Learn about your spending habits

Search & find transactions faster

Your account will learn your spending habits over time helping you mange your money more effectively. Monitor your spending habits by categorising your purchases and discover spending trends. Search and find the transactions you’re looking for faster with our improved search that speaks your language.

Get a Mortgage Choice Home Loan

Contact us online

About us

From day one Mortgage Choice has been about helping Australians afford to live the life they want to live. We get a buzz out of helping people do this.

Today Mortgage Choice writes a home loan every 15 minutes and has helped thousands of people create their homes.

The lender of your Mortgage Choice Limited, ABN 57 009 161 979 Australian Credit Licence (ACL) 382869 home loan is Macquarie Bank Limited ABN 46 008 583 542 AFSL and ACL 237502 (MBL). All applications for credit are subject to MBL’s credit approval criteria. Before making a decision about whether to acquire a credit, lending or financial product, a person should obtain and review the terms and conditions relating to that product
1 Where a non-rediATM ATM operator in Australia charges a fee for a withdrawal or balance enquiry made with this debit MasterCard, that fee will be rebated. See the MC Fee & Changes guide for further details. Offer may be changed or withdraw at any time.
2 Mortgage Choice Cashback credit can be accrued on up to $100,000 of spend annually for Mortgage Choice Platinum Cardholders. Mortgage Choice Cashback is subject to the Mortgage Choice Platinum Card Rewards Program Terms and Conditions. Mortgage Choice Cashback credit is not earned on cash advances, balance transfers or other restricted transactions. Mortgage Choice Cashback credit will be automatically applied to your nominated Mortgage Choice Account once you have accrued 100 Mortgage Choice Cashback credits. Minimum monthly repayments on your nominated Mortgage Choice Account still apply. 
3 Approval is subject to Card Services’ credit and suitability criteria. Terms and conditions, fees and charges apply and are available upon request. Your credit card will be made available shortly after settlement of your mortgage. Cards Services is a division of Macquarie Bank Limited ABN 46 008 583 542 (MBL) (Australian Credit Licence 237502), which provides and administers credit and is the issuer of the Mortgage Choice Platinum Card. 
This is applicable for loan applications submitted from 28 March 2017.
The comparison rates are based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.