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Mortgage Choice in Toowoomba

The multi-award winning mortgage brokers in Toowoomba

Julian Collins and Kris May from the Mortgage Choice in Toowoomba office will help you buy a property in Toowoomba, Dalby, Warwick, Kingaroy or Gatton. Our experienced team of loan professionals will help you get the right loan. We are one of the Top 100 Brokers in Australia (MPA).
  • Call Us Mortgage Choice Toowoomba
  • Office - 07 4638 8200
  • Open Hours Mortgage Choice Toowoomba
  • Mon - Fri 8:30am - 5:00pm
    (after 5pm by appointment - please call)
  • Free Appointment

Unit 1/270 Ruthven Street TOOWOOMBA, QLD 4350
Book in and enjoy top-level service from our Toowoomba team:
The one your friends are all talking about!

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. 

We help with:

  • Refinancing your loan (selecting a new home loan that decreases your interest rate or adds helpful features). Read our helpful refinancing guide.

You receive:

  • Accurate advice on how much you can borrow and how much deposit you will need (it can differ between different lenders). 
  • A full comparison and explanation of available loans (interest rates and features) from over 25 different banks. Our software shows you, all of 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. 

  • If you decide to submit a home loan application, we provide advice, every step of the way and fill out the forms on your behalf. In most cases, our home loan service is at no cost to you, as the lenders pay us for completing the paperwork.

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

  • Early evening appointments are available, please call the office for availability.
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 him is Kris May, who also has over ten years of experience in the home loan and investment lending fields. Scroll down to see their latest awards.

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

Read our google reviews to discover why our team is rated as one of Toowoomba's top mortgage brokers. 

 Our team's latest industry awards

  • Finalist-  2022 MFAA QLD Young Professional
  • Winner-  2021 MPA Australia Top 100 Broker
  • Finalists- 2021 MFAA QLD Regional Broker and QLD Customer Service
  • Winner-  2019 Mortgage Choice Australian Diversified Loans Broker
  • Winner-  2018 MFAA Australian Regional Finance Broker
  • Winner-  2017 The Adviser QLD Better Business Best Branded Office 
  • Winner-  2016 Mortgage Choice Australian Multi-Operator Franchise

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

Kim Rance

29 May 2022

Where others lead me down the proverbial garden path these guys did exactly what they said they would do, great communication from all the team and never any confusion as to wha...

justin boag

25 May 2022

Absolute pleasure to deal with mortgage choice Toowoomba. Kris, Nikkita and Brittni made the process of buying a first home a lot less stressful and were there to help along the...

J&J House

16 May 2022

We had an excellent experience working with Kris May, Brittni and Nikkita on purchasing our first home. Kris and his team were very professional, approachable and knowledgeable....

Katherine Marshall

15 May 2022

I would absolutely recommend Julian and the team at Mortgage Choice. He was very professional, got the job done quickly and it was a smooth transition into our new home. His t...

Trent Cavanagh

04 May 2022

Kris May was nothing short of brilliant. A pleasure to deal with and his knowledge and expertise was second to none. The extra leg work that Kris and his team did behind the sce...

Laurena Denman

02 May 2022

Forever greatful to the wonderful team at Mortgage Choice Toowoomba! My partner, Corey, and I first went to see what our financial position was and get on the path to buying our...

Krishant Kishor

04 Apr 2022

These guys have gone above and beyond for me. My settlement took a few months to sort out, and through this time Brittni and Nikkita kept giving me weekly updates, they were alw...

Leah Dempster

04 Apr 2022

I would highly recommend the Mortgage Choice team in Toowoomba. They made the whole process of refinancing my home so easy and kept me updated every step of the way. Such an ama...

Ameer Karim

04 Apr 2022

Kris, Britni and Nikkita were all so helpful and professional. They provided expert support each step of the way. Would highly recommend going through Mortgage Choice Toowoomba.

Jayden Peters

31 Mar 2022

So once again we are back at mortgage choice because obviously they did so well with our car finance we’d come back again for round 2! Kris is da man! Knows everything and alwa...

Tim Kane

29 Mar 2022

Julian, Libby, Don and Nikkita were great from start to finish, supporting and guiding us all the way. Excellent communication, updates and check-ins through out the whole proc...

Gregory May

24 Mar 2022

We really enjoyed working with the whole team at Mortgage Choice Toowoomba. From the beginning until the end (settlement ) we were updated at all times so never any stressing wa...

Chris Brameld

21 Mar 2022

Julian and his team at Mortgage choice were amazing with our finance for a rural property. Being a rural property, the finance had different criteria. This along with the increa...

Damian Underwood

17 Mar 2022

Best service in town great communication Britnay and Kris and the team there are awesome

Natalie Rutter

09 Mar 2022

Kris and his team at mortgage choice were very helpful right from the beginning of the daunting process of purchasing our first home till the end kris and Nikki were there to he...


04 Mar 2022

Thank you Mortgage Choice for making the complete unknown process to myself of buying a house so simple and friendly. A special shout out to Kris who was friendly, helpful and f...

Wade Henderson

27 Feb 2022

We had an excellent experience purchasing our first home, thanks to Kris and the team. Very professional and great at communicating throughout the entire process. We couldn't h...

Chamila Darshanee

22 Feb 2022

I really appreciate how they did deal with me. Brittni is excellent, friendly, and efficient in her work. Therefore, I could finalize all the work smoothly with her. I am happy...

Andrew Gilroy

17 Feb 2022

The team at Mortgage Choice were so great to deal with. They chased everything up and made the whole process so simple. Thanks again for all your work for me.

Ryan Webb

15 Feb 2022

I worked with Kris at mortgage choice and my experience was incredible! He made it easy to understand and fun for the whole process. They WILL be mu first visit when I look for...

Nick Valenzisi

09 Feb 2022

Thank you to Julian, Libby and Nikkita for their knowledge and professionalism in handling the purchase of our first home, and enabling this to occur whilst we were interstate a...

ian curtis

31 Jan 2022

Kris, Brittni & Nikkita all went above and beyond in helping my family trust achieve the right loan. Despite numerous hurdles, they were not dismissive and very responsive and p...

Karina Carius

28 Jan 2022

Was awesome working with Julian, Nikkita and rest of team. I never had to reach out for an update as they always beat me to it - whole thing was made super easy and seamless to...

Paul Purea

20 Jan 2022

What an incredibly professional and results-driven team! We initially thought to go directly with our bank to refinance our loan as we thought it would be easier. In fact, it to...

Marion Ruizo

15 Jan 2022

I have been well looked after by Kris, Nikkita and Brittni throughout the process. They were prompt with communications and kept me updated. Thank you for making the journey to...

Effective Physio Kingaroy

11 Jan 2022

Great services and fast communication. We were constantly updated of our application and documents necessary. Could not recommend more their services!

Ross & Shantelle Porter

31 Dec 2021

Kris and the team made buying our new house as seamless and enjoyable as possible. They were extremely proficient in all communication, providing updates throughout the entire...

Courtney Kinivan

23 Dec 2021

I can’t thank Kris, Brittni and Nikkita enough with helping me and my partner obtain a home loan to buy our first home. Everyone was so friendly and welcomed our 50 million ques...

Nadia Davies

21 Dec 2021

Kris May was absolutely exceptional in his standard of service, and the team who worked with him (special mention to Nikkita) were equally as good. Throughout the process, we we...

Travis Peacey

20 Dec 2021

Absolute pro's! I cannot speak highly enough of Julian Collins, Libby Tyson & the team at Mortgage Choice Toowoomba. A huge thanks for your professionalism, great customer servi...

Ronnie D-W

15 Dec 2021

This was my 2nd experience with Mortgage Choice & I was not disappointed. Kris was able to work his magic with my refinance, between selling & buying a home, and made it just fl...

Matt Pukallus

14 Dec 2021

The team at Mortgage Choice in Toowoomba really do go above and beyond! I recently purchased a house and they made the entire process smooth sailing! An absolute dream to work w...

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

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