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The award-winning mortgage brokers in Toowoomba

Looking to buy a home in Toowoomba, Dalby, Warwick, Kingaroy or Gatton? Our team of experienced home loan professionals can help you find the right loan. We are one of the Top 100 Brokers in Australia (MPA).
  • Call Us Mortgage Choice Toowoomba
  • Office - 07 4638 8200
  • Fax - 07 4642 2866
  • 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 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. Scroll down to see their latest awards.

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

  • Winner-  2021 MPA Australia Top 100 Broker
  • 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

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

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...


24 Dec 2021

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 should be a chat/game show...

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...

Jessica Tyson

13 Dec 2021

Brittni at Mortgage Choice has been incredible in helping us get our car loan across the line. Clear communication along the way making the process so much easier. Provides hone...

Rebekah G

08 Dec 2021

Absolutely amazed by the service from Mortgage Choice in Toowoomba. Kris, Nikkita and Brittni were all an absolute pleasure to deal with and made everything so easy. I will 100...

Chris Johnstone

17 Nov 2021

Kris and his team at Mortgage Choice helped me out massively with my first home purchase. They made the process simple and explained every step along the way.

Tamika Francis

12 Nov 2021

Kris and Brittni at Mortgage Choice Toowoomba are absolutely amazing. I would recommend them 1000% and I do to everyone I speak to. My partner and I are about to move in to our...


11 Nov 2021

Julian, Libby, Nikkita and Brittni were so helpful, supportive and understanding. I can not recommend Mortgage Choice Toowoomba enough. They have turned my life around and I wil...

Grace Wilson

07 Nov 2021

Very Professional and recommend?? Our experience with Mortgage Choice Toowoomba was amazing. As a first home buyers who have no idea what to do, they helped and guided us to mov...

Madeleine Paige

02 Nov 2021

Kris was wonderful to work with. As a first time buyer, I had little understanding or experience. Kris was excellent in guiding me through the process and making me feel comfort...

Ashleigh Martin

28 Oct 2021

Building my first home was a long and at times challenging journey with the added stresses of COVID, industry delays and qld HBG uncertainty and I'm so glad I had Mortgage Choic...

Susie Bailey

27 Oct 2021

Nothing was too hard for these guys. All questions answered all emails & phone calls returned. My case was difficult & they went out of their way to help me & might I add be suc...

Sara Lloyd

17 Oct 2021

I am beyond thrilled with my experience with Kris and the team at Mortgage Choice. I actually saw Kris twice for consultation before I could go ahead with purchasing my house be...

Shelby Joy Barbe

10 Oct 2021

Kris, Brittni, Nikkita and the team have been an absolute pleasure to work with! Always happy to help, and always readily available for any questions during any process. They ar...

Nikki Jobson

07 Oct 2021

Libby has been an absolute dream to work with, she really went above and beyond from handling all the stuff with the bank to communicating with myself and my lawyer I can not re...

Brenda Beckett

28 Sep 2021

Mortgage Choice were a wonderful and professional group that made securing a loan a breeze. It was a pleasure dealing with them. We had a long wait to find the perfect home and...

Sue Smith

22 Sep 2021

Kris May was an absolute pleasure to deal with. He was very professional and helpful and his knowledge was 2nd to none. Kris deserves employee of the year and a significant pay...

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.

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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