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Mortgage Choice in Toowoomba

The multi-award winning mortgage brokers in Toowoomba City

Julian Collins and Kris May from the Mortgage Choice in Toowoomba City 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 5 pm by appointment pls call). Let us know if you require wheelchair-friendly access via our rear entry.
  • Free Appointment

Unit 1/270 Ruthven Street TOOWOOMBA CITY, QLD 4350

Enjoy top-level service from our Toowoomba team:

The one your friends are all talking about!


One no-cost meeting with Julian Collins and Kris May 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.
  • Car finance, personal loans and equipment finance. Please call our office to enquire about this type of finance. 

You receive:

  • Accurate advice on how much you can borrow and how much deposit you will need (it can differ between different lenders).
    Scroll down for our borrowing power calculator.
  • A full comparison and explanation of available loans (interest rates and features) from over 35 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. 

  • If you decide to submit a home loan application, we provide advice at 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. 

  • Early evening appointments are available, please call our office.

Get a quick ballpark estimate of your borrowing power


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. 

Don't spend hours comparing home loans! We specialise in providing loan guidance to Toowoomba, Highfields, Warwick, Dalby, Gatton, Kingaroy, Goondiwindi and all other towns in the Darling Downs and South Burnett.   

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

  • Winner-  2022 Mortgage Choice Top Loan Administrator QLD
  • 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

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. ~

Client reviews

We were first home buyers and needed a knowledgeable mortgage broker. Kris was a perfect choice. He was proactive and effective, especially noticeable when he expedited our finance approval with our lender to meet a finance deadline. After adjusting our deposit, Kris worked quickly to secure a better mortgage rate, keeping us informed every step of the way.

Kris made each meeting enjoyable with his... read more

21 April 2024  

Mortgage Choice is in a class of their own. I would recommend Julian and the team to all friends and family. I especially loved Julian's honesty - he will tell you straight is something won't work, he thinks ahead and plans for all worst case scenarios with settlement dates, his team provide weekly updates, Julian gives you his mobile so you can call him and get an answer quickly and the whole team... read more

17 April 2024  

Julian and the team at Mortgage Choice have been incredibly helpful and supportive throughout the whole journey of buying my first home. From first contact over a year ago where I was clearly guided through the steps needed so I could make it to my goals to today where I am on the brink of moving into my own home. I have already recommended them to multiple people in my circle and will continue to do so.
Thanks Team

Update I've just moved into my new home Thanks team, you're fantastic

15 April 2024  

Kris is very helpful and thorough, and great at explaining financial phrases and jargon in terms I could understand

12 April 2024  

Kris was helpful, thorough and made sure our needs were met above all else. We are so grateful for the time and effort he put in so that we got exactly what we needed and wanted. I really appreciate that he explained each step of the process and what we were getting from our lender and why. He is very experienced and knowledgeable and even provided us with a laugh or two. Highly recommend

12 April 2024  

This is the second time we have worked with Kris and there is no doubt he goes above and beyond We recommend Kris and Mortgage Choice to all of our friends because they genuinely care and make things so easy. Thank you

03 April 2024  

The team at Mortgage Choice are very understanding and very professional. I have been very pleased overall from my first meeting with Kris up to our final settlement. Hundred percent recommend Mortgage Choice.

03 April 2024  

Brittni and Julian are very easy to deal with. Very professional in getting a car loan. Thanks for your help. Would highly recommend them.

02 April 2024  

Kris was a pleasure to deal with. Always available for a chat and talked us through the stresses of buying our family home. Thanks again to the team and will be recommending you to others. Cheers

01 April 2024  

Such an amazing service Made the whole mortgage process so easy for us Great communication and quick response to any questions we had. I would Highly recommend Kris at Mortgage Choice

27 March 2024  

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