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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Line of Credit

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. Take advantage of investment opportunities by maximising access to equity in your loan. The Line of Credit Home Loan also has the flexibility of a principal and interest account.

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Why us?


Mortgage Choice offers you a number of convenient ways to manage your funds.

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Access your accounts anytime
With Mortgage Choice Online Services, you have 24 hours a day, seven days a week access to your accounts.

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Get free, unlimited ATM access
Your ATM transactions are free when you use the ‘home network’ which includes all Westpac, St George or Bank of South Australia ATMs1.

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Make deposits at Australia Post
You can deposit cash or cheques at Australia Post outlets with Bank@PostTM facilities.

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Receive SMS alerts to stay on top of your repayments
You can set up SMS alerts so you never forget to make repayments.



If your loan includes features like 100% offset accounts, global borrowing limits and interest in advance, you’ll have more flexibility to manage your loan in a way that’s consistent with your needs.

Our Plus Home Loan and Line of Credit Home Loan also feature Cashback2 credit on the Mortgage Choice Platinum Card:

Mortgage Choice Cashback 2 accrue 1% Cashback credit on all eligible purchases. Use your Cashback credit how you like by redeeming into your Mortgage Choice Home Loan or straight back into your Mortgage Choice Platinum Card3.



Our strong risk management culture means we go to extra lengths to ensure your funds are secure. To offer you greater protection against fraud, we have additional checking and authorisation processes to keep your funds safe.


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.

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.

Mortgage Choice Limited ACN 009 161 979. Australian Credit Licence 382869.
This disclaimer applies to this entire document in whole or part of. All applications are subject to Macquarie Securitisation Limited's (MSL) (Australian Credit Licence 237863) ACN 003 297 336 credit approval criteria. Conditions and fees and charges apply. This information has been prepared for general purposes only, may be based on assumptions or market conditions and may change without notice. Before making a decision about whether to acquire a credit or lending product, please obtain and review the terms and conditions relating to the product and also seek independent financial, legal and taxation advice.
1 Fees associated with the use of the Cashcard at Home Network ATMs are detailed in the Mortgage Choice Fees and Charges guide. Mortgage Choice does not charge for use of ATMs outside the Home Network, however you may be charged directly by the ATM owner at the time of the transaction. To avoid additional costs, we encourage you to use Home Network ATMs.
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. 
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.