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Kelly Carter

Kelly Carter Mortgage Broker in Port Macquarie, Wauchope, Laurieton, Lake Cathie and surrounds

Experienced and empathetic, Kelly fosters long-term relationships with her clients to help them achieve ongoing financial wellbeing. She is dedicated to looking after her clients for the life of their loans to ensure they are always on the right product to meet their needs as circumstances change.

She is based in Port Macquarie and can assist customers in the surrounding region with face to face appointments or virtual appointments for all other areas of Australia.

Kelly is The Adviser's Better Busines New Broker of the Year 2023 NSW/ACT, Newcomer Finalist in MFAA Awards NSW/ACT and winner of Business Port Macquarie in the Financial Services category.

Follow Kelly on your socials or book your discovery call.
  • Call Us Mortgage Choice Port Macquarie
  • Mobile - 0408 499 926
  • Office - 0408 499 926
  • Open Hours Mortgage Choice Port Macquarie
  • Flexible opening hours available to suit your needs
  • Free Appointment
Mobile Broker

With face to face and video conferencing options, we can assist any area within Australia

Ready to kickstart your journey to home ownership?

Book in your discover call for a time that suits you.


Love a good Workshop? Join us at our next session.

How to get married, buy a house and have a life

Getting married and buying your very first home are both super exciting goals. So how do you achieve both without causing financial stress or sacrificing your lifestyle? Join us for a boutique workshop to learn about budgeting, cost savings tips, looking beautiful and designing an affordable, memorable wedding that you and your guests will talk about for years to come

Wednesday 21 February 2024 6:00 PM - 7:30 PM (UTC+11)

9/128 William Street, Port Macquarie NSW 2444

Get your free ticket at


Why Choose Mortgage Choice

Knowledge is the key to success and that is why Kelly spends her time educating clients using down-to-earth, simple language to help them understand the home loan process.

Purchasing a property and securing a loan, whether it is your first home or subsequent, is an exciting journey. However, it can also be stressful and confusing to navigate your way around lenders’ policies and procedures. Kelly takes control of this for you. With over 13 years of experience in home lending, she uses her knowledge to make this process as smooth as possible.

Kelly is accredited with various lenders which allows you to have choice and flexibility. She takes the time to understand your goals and ambitions and empowers you with the knowledge to help you make informed decisions about your financial future.

Her work doesn’t stop there. Once you are settled in your home, Kelly and her team will help you to manage your home loan so that it continues to meet your requirements. They check in with you on a regular basis, complete interest rate reviews and assists with home loan maintenance.

Kelly can also assist with financing other goals such as car and caravan purchases plus other personal or business assets.

Kelly is based in Port Macquarie for face-to-face appointments and can assist clients in all areas of NSW and Australia via video conferencing.




Specialising in home and investment lending, Kelly has in-depth knowledge of a vast range of lending products and policies and the ideal application for each. This enables her to tailor holistic solutions that cater to your unique needs.

  • Home loans
  • Investment loans
  • Refinance loans
  • Construction loans
  • Renovation finance
  • Equity release
  • Deposit Bonds
  • Bridging loans
  • Personal Loans
  • Car and asset finance
  • Business equipment finance
  • Insurance (third party referrals)
  • SMSF loans
  • Loan protection insurance

Follow us on your Socials

Learn more and connect with us through your socials.  Here you will find tips and tricks for saving and budgeting, lending updates, real estate advice and newly listed properties, events and workshops and so much more.

Click to discover our pages


 A little more about our service

Based in Port Macquarie NSW, Kelly offers a mobile service across the surrounding areas. Kelly is available for video conferencing for anyone within Australia or for those that need more flexible appointment times.


Start your home loan journey today

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

I am incredibly grateful for Kelly and the entire team throughout our purchasing journey. Kelly was a wealth of knowledge and took the time to understand our situation and find the product that best suited us. We appreciated her approach to educating us along the way, and ensured we were updated if anything changed. Kelly and the team are responsive and prompt, have great communication, and never left... read more

11 April 2024  

Kelly is absolutely amazing, we could not have completed the process without her She is prompt, reliable and very knowledgeable. I couldnt recommend her service enough

09 April 2024  

Kelly was fabulous in helping and guiding me through the loan process. She had my best interests at heart always, and was very understanding and giving of her time. I couldn't have done it without her.
You too will love having Kelly helping you. It takes a lot of stress out of the process having her with you.
Thank you Kelly

07 April 2024  

We could not recommend Kelly and Anna highly enough to anyone who is after their first home Kelly made the whole process so simple and easy and was so very accommodating to my sometimes silly questions The team managed to gain my partner and I formal approval in just over 2 weeks from the first phone call we had with Kelly.

20 March 2024  

Kelly is knowledgeable and informative on home loans and budgeting. She provided great advice and put my mind at ease. Highly recommend.

18 March 2024  

Kelly took the stress out of searching for the best home loan offers on the market and did all of the preparation in order to make it happen. Very efficient, reliable and was always available whenever I had questions or concerns. Highly recommend

29 February 2024  

What can I say, other than THANK YOU. Craig and Kelly worked tirelessly to get our home loan sorted in the shortest possible timeframe. They have walked us through every step and were always available if we needed any further assistance or questions answered. They were an absolute pleasure to work with and I cannot thank them enough. I would highly recommend Craig and Kelly to anyone looking at purcha... read more

14 February 2024  

Kelly and her team were amazing in helping us change our home loan for better services features and rate. Kelly made it as painless a possible as our previous home loan was our first and we were venturing into new territory so were unsure as to what to expect. Most definitely recommend using Mortgage Choice.

09 February 2024  

Kelly and Craig did a fantastic job at helping me navigate the minefield of purchasing my first home. Couldn't recommend them highly enough

04 February 2024  

Kelly and Craig are very helpful and patient with our lack of technical skills
Got all our money worries sorted.

28 January 2024  

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