Home Find a local expert Jo Croft

Meet your home finance experts - Kingscliff, Casuarina, & Murwillumbah areas

At Mortgage Choice on the Southern Gold Coast & Tweed, servicing Murwillumbah, Coolangatta and beyond, we offer our clients incredible service and a long-lasting relationship that will help you at every stage of your financial life. 

Our large number of repeat and referral customers are a testament to the dedication we apply to every customer relationship.

Clients' dreams and aspirations are something we want to share and be a part of. Find out how we can make your financial goals a reality and talk to us today!

Book an appointment online or call us on 0425 293 453 to have a chat through your needs or for an obligation-free meeting.

Owner/Director - Mortgage Choice in Kingscliff, Southern Gold Coast & Northern NSW & Mortgage Choice in Springwood

Dip Finance & Mortgage Broking
Cert IV in Financial Services
Bachelor Education

An experienced Mortgage Broker, Jo has been working at Mortgage Choice for over nine years. Jo became Owner/Director of the business in Springwood, south of Brisbane in 2016. 

Jo loves to help clients achieve their goals of home ownership, and this is what led her to purchase Mortgage Choice in Springwood, and more recently her second Mortgage Choice business in Kingscliff, servicing the southern Gold Coast, Tweed and Northern NSW.

Previous to mortgage broking, Jo has an extensive history in education. With this education background, Jo has a wonderful ability to explain finance in everyday language, making concepts clear and accessible. Jo works hard to ensure that her clients have the solutions that best fit their individual circumstances.  To notch customer service as well as making the home loan process easy and enjoyable are what are most important to Jo.

Beyond mortgage broking, Jo loves spending time with her son and husband, seeing friends, drinking great coffee and traveling. Jo is also an experienced dancer, and has performed at the Sydney Opera House numerous times. 

Contact  | 0425 293 453 or joanne.croft@mortgagechoice.com.au

Michelle Schmid

Loans Processor

Michelle has worked in finance for over 10 years and looks after loans processing to ensure a seamless experience for our clients.

Being able to help people reach their financial goals is what Michelle enjoys most about her role. The process of buying or refinancing can be daunting and time-consuming, so Michelle is honored that clients put their trust in our team to take care of this process for them. The working relationships built with clients is something that Michelle finds very rewarding. 

Outside of work, Michelle is busy with her kids. Like all kids, they never stop! Whether at a museum, playing in the park or at a cheer-leading competition, Michelle is always on the go with her family. Some other favorite activities they share are fishing, metal detecting and their cherished family movie nights. 
Nicole Reid

Nicole Reid

Loans Processor

Dip Finance & Mortgage Broking

Nicole (Nikki) also looks after our loans processing with Michelle to ensure everything runs smoothly for our Mortgage Choice Gold Coast South and Springwood clients.
With a background in finance, Nikki has over 10 years retail banking experience and most recently as a Loans Assessment Officer. She's also qualified with a Diploma in Finance & Mortgage Broking, so seeing the home loan process from the mortgage broking perspective has been the perfect fit.  
Nikki lives with her husband Kyle, two teenage daughters and two fur babies (Gizmo & Fifi) on an Jimboomba acreage, which keeps her very busy! 
She also has a keen interest in home decorating and gardening, having recently built their dream family home. Nikki is always online looking at homewares - much to her husband's dismay!
Nikki looks forward to working with you soon!

Sebastian Kunning

Broker Assistant

Sebastian is our focused and efficient Broker Assistant, who is an expert in collating our clients' application documents and getting all of our applications ready for submission - just the way the lenders like it!

Having previously worked at Apple before joining Mortgage Choice in Gold Coast South & Springwood, Sebastian understands the importance of simplifying processes for clients, as well as providing outstanding customer service.

Sebastian loves being a part of the journey in helping people achieve their dreams of owning a home.

In his spare time, Sebastian likes to unwind by playing guitar, going on hikes, and watching movies. He's also a huge rugby union fan (supporting France) and loves boxing.

Sarah Harris

Administration Assistant
Sarah manages our office administration and is an invaluable assistant to our team at Mortgage Choice Kingscliff and Springwood.
Having been in the finance world for almost eight years in areas such as stockbroking and accounting, Sarah is now sinking her teeth into the exciting world of mortgage broking (which she says is by far her favorite!).
Sarah loves being able to help people make their property dreams come true - it's something that she finds extremely rewarding and it provides a lot of good feels.
Outside of work, Sarah loves camping, fishing and taking her three fur-babies on lots of adventures.

Contact us today.