Home Find a local expert John Costa

Your local mortgage broker and home loan specialist for North Melbourne, Carlton, Fitzroy and surrounds

Looking for a home loan? Talk to John Costa, your local Mortgage Choice broker from North Melbourne. Let us research and compare over 20 lenders for you.
  • Call Us Mortgage Choice Kensington
  • Office - 0403 250 275
  • Open Hours Mortgage Choice Kensington
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment

At Mortgage Choice North Melbourne, we pride ourselves on providing excellent service to our clients and seek to obtain the best outcome to suit your needs.

You can be assured that any enquiry will be dealt with quickly and efficiently. We're contactable at all hours and we cater for first home buyers, investors and new home purchasers. We can also help you with a quick home loan health check to ensure you´ve still got a great deal on your existing home loan.

Why do people work with Mortgage Choice North Melbourne?

At Mortgage Choice North Melbourne we know that searching for the right home loan can be stressful and confusing - you may not even know where to start or what loan products are on the market. We do all the work for you, searching through hundreds of loans from our wide panel of lenders, including the big banks, to find the one that's perfect for you.

Not only do we help you find the right loan, but we also prepare all the paperwork and follow up with the lender that you have chosen saving you time and effort.

Our home loan service is at no cost to you

Our home loan service comes at no cost to you as the lender pays us after your loan settles. Many brokers are paid a different comission based on the lender you choose to have your loan with.

As a Mortgage Choice broker we are paid the same rate regardless of the home loan you choose from our wide choice of lenders. This means we are focused on the loan that's right for you, and one of the many things our customers love about working with Mortgage Choice!

See our video What makes Mortgage Choice different? to find out more about how we get paid


We don't just do home loans

Mortgage Choice North Melbourne is a full financial centre to help you on your financial journey. We have a full financial service in our office to help you map our your financial plans as well as protect the things most important to you.

We can help you with:

  • Home loans
  • Investment loans
  • Refinancing
  • Car loans
  • Personal loans
  • Commercial & Equipment finance
  • Financial planning
  • Insurances 
  • and more!

We make it easier for you to discuss your plans with us

At Mortgage Choice in North Melbourne we are happy to meet you at a time and place of your choice, making life that little bit easier for you.

We service the following areas: North Melbourne, Parkville, Carlton, Carlton North, Fitzroy, Fitzroy North, Collingwood, East Melbourne, Abbotsford, Northcote, Fairfield and surrounds.

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. ~

Google Reviews

Jessica Wain

04 Dec 2021

Couldn’t be happier working with John throughout the process of applying for my first home loan. John was approachable, personable and always available to chat through anything...

Patrick Josephs

19 Nov 2021

John provided me with a commitment to achieve the product I wanted. He went well above what was required by him, and in the end managed to reach the goal I wanted. Would definit...

Megan Herring

17 Nov 2021

John was friendly. helpful, informative and very quick to respond to my questions or update me on necessary information.

Alannah O'Brien

18 Oct 2021

John assisted me in applying for a mortgage for my first home purchase earlier this year. He was incredibly helpful in explaining the process and answering any questions I had....

Freja Butler

05 Sep 2021

John was an invaluable help during the home-buying process. He always made the time to talk through confusing concepts or help whenever needed and made the overall process much...

Sammy Sinbad

08 Aug 2021

I was honestly so lucky to land John as my broker. As a first home buyer with zero knowledge of the world of purchasing property, a pretty small budget and a speckled history of...

Maureen Hurley

02 Jun 2021

John successfully guided me through applying for a bridging loan prior to and after buying a property at Auction, when I had not sold my own property. He was professional and d...

Teah Calleja

20 Mar 2021

I can not speak highly enough of John. Due to my circumstances I didn't have the simplest of situations however John assured me the whole time he would find a way to make it hap...

Erica Choong

18 Mar 2021

John was extremely helpful in assisting me to purchase my first home. He was professional, friendly, patient and very knowledgable. I would definitely use his service again in t...

Paul Omizzolo

16 Mar 2021

John has assisted me in multiple mortgages and has always gone above and beyond to ensure we have achieved the best outcome. It has included regional as well as inner city prope...

Hugh Fitzpatrick

12 Feb 2021

Great experience with John. Gave us all the time in the world and got a great result for us. Can't recommend highly enough

Duane Hamacher

02 Feb 2021

I sought John Costa as my mortgage broker on a friend's recommendation. He was extremely helpful, working within my budget to ensure I got the best value for the property, selec...

Michelle Dufty

02 Feb 2021

John went above and beyond to secure me the best mortgage deal on two occasions. He helped me to negotiate the documentation requirements and to understand the options available...

Jamie Rimmer

27 Jan 2021

John helped us so much throughout our construction and land loan. He gave us realistic goals and walked us through our first home journey. Constantly being responsive, understan...

Eliza Brockwell

21 Oct 2020

I contacted John earlier this year to assess my options for buying my first home in the future, but John went above and beyond my request and showed me that I could buy a proper...

Ricky Volpato

19 Aug 2020

John certainly knows his stuff, and is willing to do the hard work for his clients. Have always been impressed with Johns service over the years and would highly recommend him t...

Chloé Hazelwood

21 Jun 2020

We reached out to John as our mortgage broker and were very satisfied with his services. John was incredibly hardworking in securing us a home loan. He was warm, communicative a...

Coenders Family

18 Jun 2020

John was the most helpful and friendly person to talk to throughout my mortgage application process. He was always quick to respond and I felt like no question was too dumb to a...

Stuart Kennie

13 May 2020

I can’t recommend John enough. He worked with us for three years securing an off the plan mortgage for us. He is super friendly, patient, professional and is extremely knowledge...

Roslyn Hiser

06 Mar 2020

John was a fantastic broker - he took the time to explain the process and was always available to answer our questions which was very helpful to us as first home buyers. I recom...


27 Feb 2020

John, i cant thank you enough for assisting with my complex situation, we were able to get finance via your vast knowledge of the finance and banking industry. you were also ver...

Yazid Ninsalam

08 Feb 2020

John is a professional and a mate. Buying property can be stressful but with John's help it enabled us to be confident of our next steps. I would definitely recommend John.

Campbell Madden

29 Nov 2019

John was incredibly helpful and so very easy to contact and talk with. He got me the absolute best deal on my mortgage. Thanks Mate.

Wayne Diffey

04 Nov 2019

John Costa from Mortgage Choice was very helpful and always had time to answer any questions. John was very professional and made the process easy. His ability and willingness...

Mardi Ettelson

04 Nov 2019

John Costa is a fantastic broker. Dedicated, dilligent, experienced, honest, goes the extra mile, and is a genuine pleasure to deal with. You feel his passion for helping people...

Zarko Djordjevic

12 Sep 2019

John was helpful throughout the whole loan application process and was able to succeed in getting me the loan which i required through his experience and network.

jake Carroll

18 Jun 2019

from beginning to end John was fantastic! His extensive knowledge of property transactions and his willingness to guide us through the process was exceptional. I look forward to...

Jassi Vishal

03 Jun 2019

John has been exceptional mortgage broker for our mortgage needs. He has always gone above and beyond for us to meet our financial needs whether seeking home loan or business lo...

Maria G

21 May 2019

Informative, professional and a pleasure to deal with. John is a true expert in his field and made the refinancing process simple and  hasslefree.


21 May 2019

Thanks so much for helping me arrange my finances. I am so excited to be in a position to get my own home, which I thought would never happen. I might even get an investment pro...

Sangya Jassi

14 May 2019

Efficient mortgage broker. Highly recommend his service.

See all Google reviews

Thanks so much for helping me arrange my finances. I'm so excited to be in a position to get my own home, which I though would never happen. I might even get an investment property one day :)

Angela , Brunswick, VIC
- First Home Buyer

First home buyer's guide

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