The award-winning home loan brokers in Toowoomba, Darling Downs and South Burnett.




Looking to buy a home in Toowoomba, Dalby, Warwick, Kingaroy or Gatton. Our team of mortgage brokers can help you find the right home loan. Find out how we can help you.


  • Office 07 4638 8200
  • Fax 07 4642 2866
  • Open Hours
  • Monday - Friday: 8:30am - 5:00pm
    Evening appointments available
Address
Unit 1/270 Ruthven Street TOOWOOMBA, QLD 4350

Mortgage Choice Toowoomba's Home Loan experts will help you find the right loan, at no cost to you.

We understand that spending hours comparing home loans from all the banks isn't a fun leisure activity. We also know that all you want is a home or car loan with a great rate that includes the features which will make managing your finances a breeze.

One meeting with our brokers will give you

  • Accurate knowledge on how much you can afford to spend on your property and how much deposit you will need. 
  • A full comparison of home or car loans (interest rates and features) from over 20 different banks and lenders. Due to Mortgage Choice's bargaining power, these rates are equal to, or often better than the interest rates you are offered when contacting a bank directly. 

  • Confidence that our only focus is to find you the right home loan. Through the Mortgage Choice system, our brokers get paid the same rate regardless of which lender you choose from our panel. Your best interest is our only interest. This vital guarantee is not offered by all mortgage brokers.

  • An explanation of how your loan options differ and which one best matches your unique lifestyle. Our brokers have won awards for their knowledge and service.

  • No cost, obligation free advice.

  • Evening appointments available, 

  • Convenient central Toowoomba location with parking.  Street parking and our carpark off Toomaroo Lane (entry off Campbell St). Appointments are also available in Kingaroy.

  • Bonus leisure time- If you decide to submit a loan application, we provide expert guidance, every step of the way and fill out the bank forms on your behalf.

Read our service guarantee and then compare us to a bank experience. Our office happily provides home loan guidance to  Toowoomba, Warwick, Dalby, Gatton, Kingaroy and all towns in the Darling Downs, South West and South Burnett. 

Get specialist trusted expert advice from Toowoomba's best brokers for

  • Refinancing loans (selecting a new home loan that decreases your interest rate or adds helpful features). Read our helpful refinancing guide.
  • Home and investment loans - specialists in construction and for first home Buyers. Check out our first home buyers guide.
  • Car finance and equipment finance. We offer a car buying service. We search a national network of car dealers to get the best deal, then deliver your new car to your door. We can even help you with the trade-in of your old vehicle.

Click the above red links or visit our blog page for more information.

More about our home loan experts

Julian Collins and Travis Smith have worked as senior bank managers for major banks before becoming mortgage brokers. Ryan Colclough has quickly become one of Toowoomba's top young mortgage brokers. 

They know banking products and how banks assess loan applications. They match home loan products to your individual lifestyle needs and then know how to get the loan approved.

Check out our reviews and awards to see why we are rated one of the Toowoomba's top mortgage brokers 

"We like the fact that all we had to do was give you a few documents (payslips etc) and you did all the arranging. Plus you answered all our concerns and questions in simple terms. Thank you!" (PB&BB)

"...I also liked how each person at the Toowoomba office knew about us and what stage we were up to with applications and paperwork- we didn't have to explain who we were each time we called....." (Felicity & Illiesa )

Our latest industry awards

* Winner- MFAA QLD Regional Finance Broker- 2018

* Winner- The Adviser Magazine- Best Branded (Franchise) Office in QLD - 2017

* Winner- Mortgage Choice Australian Multi Operator (Broker) Franchise - 2016

* Winner- The Adviser Magazine QLD Rising Star - 2016

* Winner- Mortgage Choice Australian Rising Star- 2015

"We are time poor so having only 1 appointment made it so easy for us. I will be recommending you to others because you explained everything and kept us in the loop at all times. Excellent! Wonderful service!"

GT & HT - Upgrader
Toowoomba, QLD

"You are doing a fantastic job for people who are busy in their lives. We handed over the documents and you did all the hard work for us. Thank you very much for always having time for all our questions. "

SS & SS - First Home Buyer
Centenary Heights, QLD

"The service we received from Julian and his team was fantastic. We loved that we were always kept up to date with weekly emails and if anything was needed it was acted upon quickly.
From the initial consultation for our home loan right through to settlement was stress and hassle free.
Thank you for your help team! "

Nathan & Syndi Layt - Upgrader
Hervey Bay, QLD

"The service provided to me by Mortgage Choice Toowoomba was outstanding. They were regularly in contact with me to advise how the loan application procedure was progressing and would respond to any of my queries as soon as they could.

I would recommend everyone give Mortgage Choice Toowoomba a call as you will not be disappointed."

NG - First Home Buyer
Toowoomba, QLD

"My partner Richard & I had such a great experience working with Julian & his team, he helped us achieve our dream of owning our first home by age 23! Julian gave honest, unbiased advice & genuinely wanted the best outcome for us. Would highly recommend! "

Destinee and Richard - First Home Buyer
Gatton, QLD

"I couldn't speak more highly of the service that I received from Mortgage Choice. Julian who I initially saw with regards to my loan and the staff were fantastic, and very professional. Nothing was to much trouble. The staff kept me informed on a weekly basis as to the progress of the loan, a service that I truly appreciated. I have recommended Mortgage Choice to fellow work colleagues, even though I work in the finance industry. If I ever need anything else, I would have no hesitation in going straight to Mortgage Choice and their friendly staff"

S Mills - Upgrader
Mt Lofty, QLD

"Julian was realistic with our financial situation and what was within our means. He took the time to explain it at our level of understanding and mortgage choice as a whole was ever present throughout the whole process. "

ET - First Home Buyer
Ellangowan, QLD

"The team at Mortgage Choice Toowoomba are amazing. The whole loan process to buy our first home was incredibly daunting for us but these guys made it a lot easier. Ben went above and beyond to ensure our loan was approved despite the first few hurdles we had which we have appreciated so much. If anyone was needing a loan we definitely recommend these guys. We couldn't have brought our first home without them. Many thanks Karli and Mathew."

K Steffens - First Home Buyer
Toowoomba, QLD

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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