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Jo Croft

Caring for your financial security and freedom for the rest of your life

Jo Croft is your local Mortgage Broker in Southern Gold Coast & Northern NSW.

Whether you're buying your first home or have property experience - save time and let the Mortgage Choice Jo Croft Team compare over 25 different lenders to find you the right home loan - at NO COST to you.

🏅MFAA 2022: Customer Service State Finalist
🏅BBA 2022: Best Residential Broker finalist & Best Loan Administrator finalist
🏅BBA 2021: Customer Service Finalist
🏅Women in Finance Awards 2020: Mortgage & Finance Broker of the Year Finalist
  • Call Us Mortgage Choice Kingscliff
  • Office - 02 6617 4230
  • Open Hours Mortgage Choice Kingscliff
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment
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Start your home loan journey today

Listen to Jo Croft's Mortgage Choice story...

Your local home loan experts in Kingscliff and the surrounds.

Jo Croft's award-winning team are experts at helping homebuyers across Southern Gold Coast and Northern NSW achieve their property dreams.

With access to over 20 lenders - including niche lenders, smaller lenders and all of the major banks, we can help you achieve your property goal no matter your situation.

Jo Croft and her team have helped hundreds of customers purchase their first home, and then continued to help those same customers upgrade to new homes, refinance and invest.

The Southern Gold Coast and Northern NSW areas are growing rapidly and are the perfect locations to settle and raise a family or invest for the long term. Our team of mortgage brokers are experts in this part of the world and can help you achieve your home buying goals now and in the future.

Our Kingscliff mortgage broking business continues to be built on repeated referrals

Our first business in Springwood, Queensland was established over 20 years ago, and through those initial years we found out the importance of word of mouth referrals. Our customers have trusted us to help their friends and family members, and this has now led to the success of our newer Gold Coast mortgage broking business.

To find out how we can help you today as well as down the track contact Jo Croft today on 0425 293 453 or

Book an appointment online

Appointment hours for Kingscliff and surrounds:
Monday - Friday: 8:30am - 5:00pm
After hours by appointment

We are more than happy to meet you at a time and place that suits you - just let us know!

How our awarded team at Mortgage Choice in Kingscliff can help...

Our team in Kingscliff, servicing Kirra, Coolangatta, Murwillumbah and the surrounds, offers you a professional financial service for any stage of your life - whether you're just starting out on your property journey, upgrading, refinancing or are a seasoned investor.

Jo Croft and her team pride themselves on taking their customers through the process step-by-step so that there are no surprises along the way. Trusting us means that you won't need to worry about doing any of the legwork or running around.

Check out our Current incentives page for government grants or schemes on offer and also any draws or competitions that you could be eligible just for using our service!

And our Kingscliff mortgage broker service always comes at no cost to you!

Services we offer:

Pre-approvals
Free home loan reviews
Refinancing & debt consolidation
Finance for renovating or upgrading
Construction loans
Loans for first home buyers
Guarantor loans
Property investment
Fixed, Variable & Interest Only Loans
Vehicle finance
Car-buying service
Home, car and other insurances
And more...

We're the team who knows the local area

No matter where you're looking to purchase property to live in or invest in across our local area, we can help. Our team can provide expert local knowledge of popular suburbs like KingscliffCasuarina and Cabarita.

Whether you're looking locally, or just want fantastic service to help you purchase across Queensland, around Australia or even abroad, Jo Croft and the team can assist with your goals.

Education is key

At Mortgage Choice in Kingscliff, our background is also in teaching so we just can't help ourselves when it comes to making sure our clients walk away truly understanding their home loan. Our team prides itself on educating clients so that they can make informed choices.

We always ensure that your home loan needs are our top priority and recognise that no two customers circumstances are the same.

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews


Jo and her team were excellent again in facilitating our loan. They helped every step of the way and kept us fully informed. I will use them again next time and cannot recommend Jo highly enough

Beño S
24 March 2022  

From start to finish, we found Jo Croft and her team, friendly, patient and always professional
They made the refinance of our property really easy, 1010

Juliet Green
22 November 2021  

We recommend Jo Croft And her team, they are kept working with us until we had the fantastic outcome of obtaining the finance for our new home. They are hard working and very efficient. Our case is not an easy one but they kept going until we had a good outcome.
Thanks again Jo and your fantastic team.
Keep safe and best regards
Yolanda and Jon

Yolanda David
23 September 2021  

It is commonly known that applying for a mortgage can be one of the most stressful experiences in your life. I never once experienced any form of stress whilst working with Jo and the team . Jo made me feel like a friend rather than business and was always very responsive to any questions or queries I had throughout the process. Their expert knowledge on the process guided me on my path to purchasing my dream home. I would not hesitate to contact Jo Croft for her services in future.

Miranda Doyle
23 August 2021  

Jo and the team helped us to secure a loan on our house in a complex situation I am not an Australian citizen, their was inheritance and other loans involved. The service was impeccable from the start Jo was clear, honest and responsive. From the first phone call to settlement of the loan and afterwards I have been genuinely impressed by the high level of service. I will recommend Jo and her team to anyone.
Thanks so much Jo and team.
Lawrence

Lawrence Coulson
23 June 2021  

Jo and her team went above and beyond to help us to achieve what we now have.
Her service is exceptional and would recommend her to anyone.
Thanks again Jo
Couldn't have done it without you and your team.

Larissa Graham
23 June 2020  

Jo helped us refinance our home loan and her service was exceptional. Not only was she efficient, Jo and her team she kept us informed every step of the way. We were amazed how even after settlement, we still received up calls and emails to see how things were going. 5 star service

Nikki Reid
23 June 2020  

We want to sincerely thank Jo her team for all their help ongoing assistance, throughout the entire process of buying our house they were so helpful patient with us. We honestly couldnt have purchased our first home without them, theyve made our dream come true.
We have, and will continue to, be recommending you to everyone. Many of our friends have asked Where do you even begin to buy your first h... read more

Alisha Marshall
23 June 2020  

Thanks Jo Amazing service

Miccy Roseneus
23 June 2020  

Jo and crew were like a dog with a bone when it came to getting my loan, they persevered and kept me informed, nothing was too much for them. I thank them.

Sarah Green
24 June 2018  

Read more reviews

It is commonly known that applying for a mortgage can be one of the most stressful experiences in your life. I never once experienced any form of stress whilst working with Jo and the team . Jo made me feel like a friend rather than business and was always very responsive to any questions or queries I had throughout the process. Their expert knowledge on the process guided me on my path to purchasing my dream home. I would not hesitate to contact Jo Croft for her services in future.

Miranda D., Tweed Heads West, NSW
- First Home Buyer

We recommend Jo Croft And her team, they are kept working with us until we had the fantastic outcome of obtaining the finance for our new home. They are hard working and very efficient. Our case is not an easy one but they kept going until we had a good outcome.
Thanks again Jo and your fantastic team.
Keep safe and best regards!
Yolanda and Jon

Yolanda D., Upper Coomera, QLD
- First Home Buyer

From start to finish, we found Jo Croft and her team, friendly, patient and always professional!
They made the refinance of our property really easy, 10/10

Juliet G., Pottsville, NSW
- Refinancer

Jo and the team were amazing in supporting me to purchase my first home! They made the process easy for me to understand and we’re always happy to answer any questions I had no matter how silly they seemed. I am so grateful for all their support and knowledge. I wouldn’t have been able to achieve buying my first home without them.

Chelsey E., Tweed Heads, NSW
- First Home Buyer

A stress free, seamless refinancing experience from start to finish with Jo, Michelle & Nicole. Fantastic communication, available to answer our questions & kept us informed of our application progress throughout. Thank you very much.

C Warren-Smith, Elanora, QLD
- Upgrader

Jo and her team were very professional and helped us through our property purchase. They kept us updated through the whole process and ensured we were well informed of all our choices. We will definitely use Jo and the team for any future mortgage needs.

Aleta K., Kingscliff, NSW
- First Home Buyer

Jo and the team helped us to secure a loan on our house in a complex situation (I am not an Australian citizen, their was inheritance and other loans involved). The service was impeccable from the start; Jo was clear, honest and responsive. From the first phone call to settlement of the loan and afterwards I have been genuinely impressed by the high level of service. I will recommend Jo and her team to anyone.

Thanks so much Jo and team.

Lawrence C., Kingscliff, NSW
- Upgrader

Jo and her team at Mortgage Choice have been absolutely amazing, helping me get finance for my house purchase last year and then again this year with refinancing my mortgage with another institution that offered a much lower interest rate and cash back offer!! Both processes were managed so professionally, with excellent communication at all stages, always ensuring I was notified and kept up to date with the progress of my applications. I couldn't be happier with Jo and the other ladies who work with her, they're all so lovely and extremely efficient and would highly recommend them to anyone requiring assistance and advice with their home loan.

Rosemary P., Carrara, QLD
- Refinancer

Jo is wonderful! She is super professional, provides excellent customer service, is friendly, efficient and gets great results. Jo helped us negotiate new home loan rates that will save us on our monthly repayments immediately. She made the whole process super easy. I highly recommend talking to Jo and having your loans reviewed. Thank you 🙏

Laura K., Kingscliff, NSW
- Refinancer

Kicking ourselves that we didn't go and see Jo and the team at Mortgage Choice Gold Coast South & Northern NSW sooner! The team were there every step of the way to make the process of refinancing our home easier than we could have imagined. Not to mention our surprise at the money we are now saving. We would highly recommend Jo, Karen and Vanessa and their service to anyone in a similar situation.

Mark & Fiona D, Parkinson, QLD
- Refinancer

Jo helped us refinance our home loan and her service was exceptional!. Not only was she efficient, Jo and her team she kept us informed every step of the way. We were amazed how even after settlement, we still received up calls and emails to see how things were going. 5 star service!

Nikki Reid, Meadowbrook, QLD
- Refinancer

We highly recommend the team at Mortgage Choice Gold Coast South & Northern NSW. A big thank you to Jo, Karen and Vanessa - the whole process has been smooth and always done with integrity, transparency and a big smile! We will definitely use this team's expertise for our next property purchase

Jeff & Giselle F, Springwood, QLD
- Upgrader

Jo and crew were like a dog with a bone when it came to getting my loan, they persevered and kept me informed, nothing was too much for them. I thank them.

Sarah Green, Kingscliff area, QLD
- First Home Buyer

My husband and I approached Jo to assist us with refinancing our mortgage.
Jo was extremely efficient and helpful through this process and always kept us updated.
I would highly recommend Jo.

Tracey McCarthy, Tweed Coast area, QLD
- Refinancer

My husband and I just used Jo and her lovely staff to refinance our home loan. Jo is very professional and knowledgeable. I would definitely recommend Jo and her team!

Sharon Grieve , Tweed Coast, NSW
- Refinancer

Step-by-step guide to home ownership

There are many steps involved in purchasing a property which can vary between residential and investment properties. This guide explains each step in order as well as what is involved at every stage of the purchasing process.


Download now


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