The Toowoomba Home Loan Experts

Home Find a local expert Mortgage Choice in Toowoomba

The award-winning home loan brokers in Toowoomba.

Call: 07 4638 8200

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

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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.

Home and investment loans, we also specialise in construction and first home buyers. Read our first home buyers guide, step by step and investor guides.

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

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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Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,000 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is$10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

The Territory’s First Home Owner Discount has been in place since 8 February 2019. It lets you save up to a maximum of $18,601 on the cost of stamp duty. The savings is available whether you buy a new or established home as long as the home is valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $15,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $8,750, which is the maximum stamp duty rebate available to first home buyers in Qld.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $505,000, you pay stamp duty of $1,050, a saving of $7,875. These savings cut out altogether if your first home costs $550,000 or more. On a property valued at $550,000, for example, the stamp duty would work out to be $10,600.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $20,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.

Click here for more information on the WA First home Owner Grant.

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The award-winning home loan brokers in Toowoomba.

Toowoomba

Latest home loan interest rates

Book your meeting right now and enjoy our top-level service.

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

We can help with

More about our award-winning home loan experts

Our latest industry awards

The right home loan for your needs

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