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 the right home loan. Talk to us the Australian Regional Finance Brokers of 2018 (MFAA award).

Julian Collins
  • Office 07 4638 8200
  • Fax 07 4642 2866
  • Open Hours
  • Monday - Friday: 8:30am - 5:00pm
    Evening appointments available
Unit 1/270 Ruthven Street TOOWOOMBA, QLD 4350
  • 5.00
  • 36 Google Reviews Mortgage Choice in Toowoomba

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 '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 of home and car loans (interest rates and features) from over 20 different banks. Due to Mortgage Choice's bargaining power, these rates are equal to, or 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 from each lender (for completing the loan paperwork).  This vital guarantee is not offered by all mortgage brokers.

  • An explanation of how loan options differ and which one best matches your lifestyle. 

  • 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

  • Evening appointments available (book your spot now).

Trusted expert advice on:

  • Refinancing loans (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 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.
  • Loans to purchase small farms and rural 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 before becoming a mortgage broker. Joining the team is Kate Hanson who also has extensive experience in home loan lending with a major bank as well as working in the car finance field. 

Julian and Kate thoroughly know banking products and how banks assess loan applications. They match home loan products to your individual lifestyle needs and they know how to get loans approved.

See our google reviews and awards to discover why we are rated one of 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 Australian & 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

Google Reviews

The staff members at Toowoomba mortgage choice were nothing but amazing! I would recommend all my friends and family to come here! I would like to thank everyone at mortgage cho...

Julian and his Team are Incredible! From making you feel welcome to easing your mind about making the right decision for your Purchase and Financial Future. Can not reccommed th...

A huge thank you to Mortgage choice Toowoomba team for doing my home loan. Last Thursday I had the handover of my house. I built a house in Melbourne, While I was living in regi...

Absolutely THE BEST service!!! Julian and his team made a very difficult situation much easier through their caring, yet professional service. Nothing was too much trouble and t...

This is the second time round we've used Mortgage Choice. Julian and the team went above and beyond to ensure that we were able to secure our dream property. Nothing was too har...

Thank you to Julian and his team for there hard work. After trying last year to refinance and failing, Julian worked hard and managed to get our refinance worked out the second...

Great to deal with. Responded promptly to everything asked.

Having worked with Mortgage brokers for many years, I can confirm that Julian and the team are incredibly dedicated to their customers. The work they put in to obtain the correc...

Julian and his team are amazing to deal with. Always thoroughly professional. I found it especially impressive when Donna rang me just to give me an update on the progress of th...

My husband and I had the privilage of working with Ryan, Ben, Libby and Donna when we purchased our first home. We'd been working with the team on a new build project, but when...

Thanks Julian and his team. Easy to find office with close by parking. They were very flexible with after hours meeting times and very accommodating with bringing our children a...

Julian was terrific, he makes the whole process a breeze.

Great service flexible and kept me informed from start to finish.

Fantastic service. Went with Mortgage Choice on recommendation from a very satisfied family member and can only say how happy I am for buying my house through them. Huge thanks...

Could not of asked for a more helpful and supportive team to assist us in getting our Home Loan. Travis in Kingaroy was amazing, went through lots of different options and scene...

Julian from Mortgage Choice has gone above and beyond for our family to find the best possible finance. It was an extremely tricky case which drew out far longer than it should...

I would highly recommend Ryan and Julian - they have a highly personable approach and always go the extra mile for clients

Julian and his staff were very helpful throughout the whole process of purchasing our home. I was able to email or call whenever I needed and a response was received quickly and...

They are knowledgeable team, great at what they do and are very friendly.

Can't speak high enough of Ben and his Team at Mortgage Choice in Toowoomba. On each occasion my partner and I (first home buyers) have dealt with Mortgage Choice their service...

Wonderful team. As first home buyers we could not be happier with the level of service and dedication we recived with the Mortgage Choice Toowoomba team. Highly reccomended !!...

The team at Mortgage Choice Toowoomba were excellent, I highly recommend them to anyone looking for a home loan. They made the process so simple and easy, finding a bank who w...

I found dealing with Mortgage Choice Toowoomba an easy and pleasant experience. The team Ben, Libby, Donna and Julian were helpful throughout the entire process and went above a...

Our experience with mortage choice was the best out there. They were helpful and kept us up to date on everything. Very happy and eager to help out and do anything they could fo...

Julian & the team from Mortgage Choice Toowoomba are amazing. They delivered an exceptional service & we can't recommend them highly enough! Thank you so much for taking care of...

Julian's financial expertise was obvious from the start. His advice was good, his explanations clear and he was very personable. He responded to all enquiries promptly. Libby an...

My husband and I were really impressed with the service we received. We had no idea what we were doing buying our first home and we left our appointment feeling very well infor...

Mortgage Choice were a wonderful and professional group that made securing a loan a breeze. It was a pleasure dealing with them.

brilliant from beginning to settlemet, the follow up and attentiveness was outstanding I would not recommend them more highly, well done you have reinstated my trust cheers wisam

If I have to refinance, look for another home or investment loan, i would not hesitate to contact Mortgage Choice Twmba. Very professional from reception right to our broker, w...

Julian, Ben and the team are very professional and results driven. They provide great service and deliver exceptional results. As a financial planner at Fortress Financial Sol...

I found Julian and the team at Mortgage Choice nothing but abundantly helpful and supportive through my home loan application. They gave me great advice, did the leg work, while...

See all google reviews

"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

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