Home Find a local expert Mortgage Choice in Toowoomba

The award-winning home loan brokers in Toowoomba.

Looking to buy a home in Toowoomba, Dalby, Warwick, Kingaroy or Gatton? Our team of mortgage brokers can help you find your home loan. Talk to us!
  • Call Us Mortgage Choice Toowoomba
  • Office - 07 4638 8200
  • Fax - 07 4642 2866
  • Open Hours Mortgage Choice Toowoomba
  • Reception Hours: Monday - Friday 8:30am - 5:30pm
  • Free Appointment
Address

Unit 1/270 Ruthven Street TOOWOOMBA, QLD 4350

Latest home loan interest rates

Starting from
%*
p.a.
Comparison rate
%#
p.a.
Book your meeting right now and enjoy our top-level service.

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 easy.

One 'no cost' meeting with our brokers will explain the mortgage maze. 

  • No cost accurate advice on how much you can afford to spend and how much deposit you will need (it can differ between different banks). 
  • A full comparison and explanation of multiple home and car loans (interest rates and features) from over 25 different banks. Our software allows us to show you, all your options. We will explain how they differ and which ones best match your needs.

  • With Mortgage Choice's bargaining power, these rates are equal or better than rates offered by banks direct. 

  • Confidence that our only focus is to find you the right home loan for your needs. Through the Mortgage Choice system, our brokers get paid the same rate from each bank (for completing the loan paperwork). This guarantee is not offered by all mortgage brokers.

  • If you decide to submit a loan application, we provide expert friendly advice, every step of the way and fill out the forms on your behalf.

  • Getting expert advice is easy. Our brokers will answer all your questions either over the phone or in our office. 

  • Evening appointments are available, please call the office for availability.

We can help with

  • Refinancing your loan (selecting a new home loan that decreases your interest rate or adds helpful features). Read our helpful refinancing guide.
  • Car finance and equipment finance. We also offer a car buying service, which has access to a national network of car dealers to get a deal, then deliver your new car to your door. We can help you with the trade-in of your old vehicle.
  • Loans to purchase rural lifestyle properties.

We provide loan guidance to people in Toowoomba, Warwick, Dalby, Gatton, Kingaroy and all other towns in the Darling Downs and South Burnett.   

 

More about our award-winning home loan experts

Julian Collins was a senior bank manager in Toowoomba before becoming a finance broker. Joining our team is Kris May, who has extensive experience in the home loan, investment and personal lending fields.

Julian and Kris know banking products and how banks assess loan applications. They match lenders and home loan products to your individual lifestyle and work with the lender to get your loan approved.

Read our google reviews to discover why we are rated one of Toowoomba's top mortgage brokers. 

  

 Our latest industry awards

  • Finalists- 2021 MFAA QLD Regional Broker and QLD Customer Service
  • Finalists- 2021 The Adviser Better Business QLD Regional Broker Office
  • Winner- Mortgage Choice Australian Diversified Loans Broker- 2019
  • Winner- MFAA Australian Regional Finance Broker- 2018
  • Winner- The Adviser Better Business Best Branded (Franchise) Office QLD - 2017
  • Winner- Mortgage Choice Australian Multi-Operator (Broker) Franchise - 2016
  • Winner- The Adviser Better Business QLD Rising Star - 2016
  • Winner- Mortgage Choice Australian Rising Star- 2015

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



Jeremy Kearnon-Bowler

13 Sep 2021

Experience was sensational. All the team at mortgage choice looked after us, nothing was too hard for them. Quick, easy and effective. Overall fantastic experience!


Deborah Rattray

09 Sep 2021

We can't speak highly enough of Mortgage Choice Toowoomba. Kris and the team made successfully applying for our loans absolutley stress free. They were organised and efficient...


Taylor B

09 Sep 2021

Julian, Nikkita and Libby helped us finish up our existing loan and secure a bigger home for our growing family. Julian explained everything to us clearly from day one, Nikkita...


Bianca Mochan

31 Aug 2021

This was our second time using Mortgage Choice in Toowoomba to help us secure our home loan. This time we were purchasing our dream home property at the Gold Coast, Julian and...


Clare Slatter

31 Aug 2021

Mortgage Choice made our loan experience very easy and relatively stress free. They helped us with everything we needed and gave us good options to consider when selecting a bo...


Angela Bruggemann

30 Aug 2021

I highly recommend Kris Kay and Mortgage Choice. Kris worked very hard to help me secure a home loan with a great interest rate at short notice. Kris and the team were very prof...


Seth Brumpton

28 Aug 2021

We loved our experience of organising our car loan through Brittni at Mortgage Choice. We had an unusual employment situation but Brittni made a great submission for us and scor...


B. W

25 Aug 2021

Professional and honest service. Extremely helpful. Thank you for your time and effort to our family.


Jess Liddelow

24 Aug 2021

Julian, Libby & Nikkita went over & above when helping us purchase our first home. They took all the stress out of the process & made sure the whole process went as smooth as po...


Chris Howes

13 Aug 2021

Experienced and Professional. Excellent service and they make sure you get the best possible offer.


Happytree

12 Aug 2021

What a journey it has been building our first home. Kris and Brittany have been with us at everystep. Friendly, professional and great insider knowledge. - Brian and Jen


Caaey Miz_demeanor90@hitmail.com

11 Aug 2021

We had an amazing first home buying experience with Kris and the team, Kris is very experienced and knowledgeable and with the help of him, Brittni, and Nikkita we were able to...


Cheryl O'Connor

11 Aug 2021

I'd like to thank Kris, Brittni and Nikkita for their professional service. We had a very long arduous journey selling our home and buying our new home and they were there for...


Junhui x logos is a power couple

08 Aug 2021

We Rickel and Shyra Milabo would like to thank Mortgage Choice Toowoomba for helping us throughout the process of buying our own home, we don’t know what to do all Mortgage Choi...


Fraser Kelly

27 Jul 2021

Made my experience super easy and worked really hard to get over all the hurdles while I was away with work


Trish Wieland

24 Jul 2021

This is the second 5 star review I am giving the team at Mortgage Choice Toowoomba! Kris May and Brittni Kinivan are a dynamic duo, but this review solely goes out to Brittni Ki...


Jayden Peters

22 Jul 2021

Ever since Brit took over our application she’s been nothing short of a boss. She’s very thorough and proactive. If anything we didn’t work quick enough for her! ?? Great facil...


Kale Thies

21 Jul 2021

Nikkita was absolutely wonderful to work with. Very professional and pleasant to talk to.


Shey

12 Jul 2021

The team at Mortgage Choice Toowoomba- Kris, Nikkita & Brittni are by far the best I’ve ever dealt with as a mortgage broker. This is the second time I have gone through them be...


Aiden McDonald

08 Jul 2021

Mortgage choice toowomba went above and beyond. Dealing with Kris was awesome for my partner and myself he was so easy to deal with, always in contact with us, happy to help. Kr...


Redmond Newport

08 Jul 2021

Recently had an amazing experience with Mortgage Choice Toowoomba and their team! Brittni Kinivan went above and beyond for us and we're truly grateful for her promptness, profe...


Jacob Carter

07 Jul 2021

As a first home buyer, Kris, Brittni and Nikkita made the experience really easy and stress free! Great guidance every step of the way. Would highly recommend Mortgage Choice!


Angela Reynolds

30 Jun 2021

The team at Mortgage Choice were extremely helpful in assisting with the purchase of my first home. Words can’t describe how easy they made this process and I can’t thank Julian...


Kate Storey

29 Jun 2021

Kris is extremely helpful, going far and beyond to find solutions to problems in a positive manner. Brittni and Nikkita both ladies are lovely and thorough; triple checking ever...


Jonah Copland

28 Jun 2021

Kris went above and beyond for us, he was extremely prompt, contactable, friendly and caring. Kris was Professional and got results, seeing us all the way to a successful settl...


Tayla Ward

24 Jun 2021

Going back for seconds!! After such incredible experience with our first home loan, we went back to Mortgage choice Toowoomba to receive the same excellent service! Julian and h...


Susannah Lenehan

23 Jun 2021

Kris, Brittni, and Nikkita all went above and beyond to help my partner and myself with buying our first home and we would have been absolutely lost without them. We are so grat...


Gail Toohey

23 Jun 2021

Kris, Brittni and Nikita were so helpful. Updates twice a week we’re great. We would definitely recommend the team at Mortgage Choice in Toowoomba to all.


S E

22 Jun 2021

Brittni provided us with very friendly and helpful customer service in obtaining our car loan. Brittni was very prompt in keeping us informed of the progress and phoned regularl...


Lisa Woodrow

22 Jun 2021

We have had nothing but excellent and professional service from Kris and his team. They really do go above and beyond. Thank you again, we will be back again for our next house...


V H

20 Jun 2021

The staff (Kris May, Brittni & Nikkita) involved in refinancing our home loan were very helpful, friendly and knowledgeable. We really appreciated that they made a potentially c...


Charlene Bateman

15 Jun 2021

I can not thank Julian, Libby, Cameron and Nikkita enough for their incredible support through the purchase of my home. From the first conversation with Julian through to after...


See all Google reviews

Going back for seconds!! After such incredible experience with our first home loan, we went back to Mortgage choice Toowoomba to receive the same excellent service! Julian and his team go above and beyond no matter what the situation!! We’d like to thank Julian, Libby and especially Nikkita for helping us get our investment property loan as quickly as possible!!! Please give these guys a go you won’t be disappointed! 10/10!

T Ward, Toowoomba, QLD
- Property Investor

Mortgage Choice was absolutely fantastic for our first time investment loan and very accomodating with our tight timeframe for settlement. Kris and Brittni were both very professional and made the time to keep us informed every step of the way. Great service and very knowledgeable. Highly recommended.

S Rosengreen, Toowoomba, QLD
- Property Investor

The Mortgage choice team were amazing and bent backwards to get us our dream home. Special mention to Kris, who was just phenomenal. Would 10/10 recommend them to anyone looking for professional advice on home loans.

D Stewart, Toowoomba, QLD
- First Home Buyer

I Highly recommend the amazing team of Kris May and Brittni Kinivan. Kris and Brittni are a wealth of knowledge, always responsive and will go above and beyond for their clients. We’ve had the pleasure of dealing with them for the last 12 months and will go back to them for any future dealings we will have. We recommend them to family and friends and anyone else who is looking for a lender who actually listens to your wants and needs, genuinely cares, provide quality advice and a range of options. We cannot recommend highly enough. Kris and Brittni from the bottom of our hearts thank you for all you have done to make our dream come true. We are forever grateful.

L Britton, Toowoomba, QLD
- Construction

We would love to thank Kris May and his team at Mortgage Choice Toowoomba. They were so helpful and went beyond to make sure our application went through. They made our experience a lot less stressful than it could have been. We would recommend them to anyone as their service is top notch. Thanks again Kris/Brittni and team.

M Cooke, Dalby, QLD
- Upgrader

Julian and the team at mortgage choice Toowoomba were brilliant at delivering their services. They went above and beyond to organise and deliver on time and kept us well informed throughout the entire process. We have been to Julian for multiple request and each time has been a delight. The team and himself are extremely friendly and had no problems answering any questions we had at any time! Highly recommend these guys as we know first hand that they deliver there work whole heartedly and get you the best outcome they possibly can.

L VDL, Toowooomba, QLD
- Refinancer

Julian, Kris and Brittni are fabulous. They have helped us buy our own home and renegotiated our investment loans. They also organised a loan for our new investment. They are organised, efficient and so helpful. Highly recommend them for any home loans.

D & M Smith, Toowoomba, QLD
- Property Investor

I could not recommend Mortgage Choice Toowoomba any higher. They have made the process of buying my first home nothing but stress free and exciting. Thank you to the entire team! :)

H Cross, Toowoomba, QLD
- First Home Buyer

Julian and his team in Toowoomba deserve top dollars. They are truly passionate about what they do and made our entire experience building our house run smoothly. I never had to chase them up about anything, Libby was ALWAYS on the ball! We never lacked confidence in these guys and cannot recommend them enough!!! We will be using them again in the future :)

M. Conneely, Withcott, QLD
- First Home Buyer

Mortgage Choice were great! I had the pleasure of working with Kris and Brittni through the process and they were both fantastic and very proficient at their jobs. They were able to: - Do an initial consultation - Find me a great loan rate with all the features I needed - Get me a pre-approval - Help me buy my first home! I especially appreciated their Wednesday and Friday updates on how the loan application was progressing. This just took away a lot of the nervousness around buying my first home knowing that I was getting regular updates. They are very detailed in their approach and made it very easy for me knowing that they compared a large range of banks and financial institutions to find the best rates and which ones would most likely accept me for taking out a mortgage with them. Very simple overall with Mortgage Choice looking after all the paperwork. It is a free service so no cost to you and does not make your loan any more expensive for using them. Save yourself some time and effort and let these guys help you. Well worth it!

C Hall, Toowoomba, QLD
- First Home Buyer

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, Toowoomba, QLD
- First Home Buyer

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, Mt Lofty, QLD
- Upgrader

It was an effortless process with Mortgage Choice Toowoomba. They listened, offered suggestions and kept us informed of every step of the process. Much easier than going to a bank.

MH , Toowooomba , QLD
- Refinancer

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, Toowoomba, QLD
- First Home Buyer

The staff (Kris May, Brittni & Nikkita) involved in refinancing our home loan were very helpful, friendly and knowledgeable. We really appreciated that they made a potentially complicated process relatively easy and painless!

V H, Toowoomba, QLD
- Refinancer

Help me calculate

Latest news & tips



More articles

Contact us today.


Additional Comments? * :