eChoice home loans

Need someone to help you narrow your home loan options? eChoice can help.


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eChoice provider logoeChoice is a home loan broker that can help you sift through the home loan market to find a loan that suits you. By taking your financial and personal circumstances into account, an eChoice broker will find a loan that fits your purpose, income and lifestyle.

eChoice also has access to a range of different brands and can offer a wide variety of loans for different purposes and borrowers. Complete the form below to discuss your options with a broker from eChoice, or continue reading to find out more.

What does eChoice do?

eChoice is a mortgage broker for the modern market. It works alongside a select group of lenders to help consumers choose a fitting loan for their personal financial situation. Finding a suitable home loan can take a huge amount of time and effort when you do it alone. You need to look at each individual lender as well as the different products offered by each lender and you must go through the process of applying for the loan that you think suits you best.

eChoice brokers work differently to many other brokers of this type because they don't just use automated software to find you a good deal. An eChoice broker uses a fusion of software and human consultants to look at your individual set of circumstances and compare 25 different brands to help you decide which loan will work best for you.

eChoice doesn’t only deal in mortgage products either. It can also help you find suitable commercial and investment loans, and investment products too.

Which lenders does eChoice have access to?

To give you an idea of the kinds of home loans that eChoice compares, below are some of the brands it has access to:

  • Adelaide Bank
  • AFM
  • AMP
  • ANZ
  • Bank of Melbourne
  • BankSA
  • Bankwest
  • Bluestone Mortgages
  • Citibank
  • Commonwealth Bank
  • Firstmac
  • Global Capital
  • Homeloans Ltd
  • Heritage Bank
  • ING
  • Keystart Home Loans
  • LaTrobe Financial
  • Liberty Financial
  • Macquarie Bank
  • ME Bank
  • NAB
  • Pepper Home Loans
  • Scottish Pacific
  • St.George
  • Suncorp
  • Westpac

How much does it cost?

eChoice brokers generally charge the borrower nothing for their service, as they are paid a commission by the lender when the mortgage is settled. In some cases there may be fees which you can discuss directly with your broker.

How can a mortgage broker benefit me?

Buying a home can be very daunting, especially if you're a first timer and you're perhaps not 100% sure what you are looking for. If you're not yet familiar with home loan jargon, then don't despair. The eChoice website is a useful resource that can help explain everything you need to know about arranging a home loan. It covers all the general terms and goes into detail about every type of home loan available and the positives and negatives of each one so that nothing is left to chance.

Why choose eChoice over another broker?

eChoice allows you to focus on the things that you want from your mortgage so that you end up with a home of your own as well as a the right loan product.

  • Compare multiple products. eChoice compares up to 25 mortgage brands and all of their products so that you can find one that truly meets your needs. With a large range of options to choose from, it's easy to find a competitive home loan that suits your needs.
  • Personalised advice. Your broker will present you with a few loan options based on your individual needs. This allows you to really compare the loans so that you find the right one.
  • Trusted brand. eChoice has been in business in Australia for more than a decade, assisting thousands of Aussies in getting the right loan.


Whether you're securing your first home loan or buying an investment property, an eChoice broker can help make sure that the mortgage you end up with is the right one for you. With absolutely no fees in place, there is no reason not to take advantage of this broker.

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15 Responses

    Default Gravatar
    JulioJanuary 31, 2017

    Is there a loan that can be used to purchase different properties at different times? For example get approval for $1000000 and then buy a property for $300000 and a month later another for 400000 and such with all on the same loan?

      Avatarfinder Customer Care
      DeeFebruary 1, 2017Staff

      Hi Julio,

      Thanks for your question.

      When you apply for a home loan, the lender will assess the value of the security being offered up for the loan. In the majority of purchases, this will be the property you’re purchasing.

      Generally, one home loan will apply to one specific property only. You may want to get in touch with a mortgage broker
      who can help you find a suitable home loan for your situation.


    Default Gravatar
    RachelMarch 31, 2016

    I am a single mum on a low income wanting to secure my children’s future with a home for us, forever. I know I can afford 250 to even 400 a week rent if I had to but I’m not confident I will be accepted to buy a house which is upsetting because doing such to have permanent security and comfort forever has been what I’ve wanted to be able to give them since I grew up watching my mum struggle in rentals. Please provide me the best, most detailed options and requirements I need to meet to help start our family to have permanent stability in our future.

      Default Gravatar
      BelindaMarch 31, 2016

      Hi Rachel,

      Thanks for reaching out.

      We have a page about home loans for low-income earners where you can compare basic or “no frills” home loans which offer a competitive interest rate with minimal features and costs. You can also use our calculator on this page which can help you understand how much you can afford to borrow.

      I recommend getting in touch with a licensed mortgage broker as they will be able to review your financial position to find a suitable product for you. A broker can also help you understand your borrowing power and they can negotiate for a good deal on your behalf.

      To improve your chance of being approved, you may want to take steps to minimise your existing debt (e.g. credit cards or personal loans) and showing that you have financial discipline by making regular deposits into a high-interest savings account.

      You may want to consider approaching niche or non-bank lenders as they may have more lenient eligibility criteria if you’re on a low income.

      All the best,

    Default Gravatar
    RavFebruary 11, 2016

    Do you deal with CUA for refinance home loan?

      Default Gravatar
      BelindaFebruary 12, 2016

      Hi Rav,

      Thanks for reaching out.

      If you’d like to compare a range of refinance home loans (including ones offered by CUA), you can visit this page.

      You might also be interested to check out our guide which explores the process and costs involved when refinancing your mortgage.


    Default Gravatar
    MalMarch 12, 2015

    I’m after a company or a person in Perth that I can talk to that deals in buying overseas properties and what’s involved step by step, how to do it and what traps there maybe?

      Avatarfinder Customer Care
      ShirleyMarch 13, 2015Staff

      Hi Mal,

      Thanks for your question.

      An eChoice home loans broker can assist you with this, if you wish to use an Australian home loan to finance your overseas property.

      If you fill in the form above, a local eChoice broker will get in touch with you to discuss your eligibility or options.

      We also have some helpful guides on the process:
      Guide to buying property overseas
      How to buy an investment property in the UK


    Default Gravatar
    lynDecember 4, 2014

    Do you have an office in Murray Bridge?

      Avatarfinder Customer Care
      ShirleyDecember 4, 2014Staff

      Hi Lyn,

      Thanks for your question.

      There is a local echoice mortgage broker available for you from Metropolitan Adelaide.


    Default Gravatar
    FelicioJune 23, 2014

    ,Me and my wife want to start making a portfolio and we need to structure our loans that suitable for us and so we don’t make mistakes and get stuck in the process We also want to no is it better for us to buy houses under single title or joint title..

      Avatarfinder Customer Care
      ShirleyJune 24, 2014Staff

      Hi Felicio,

      Thanks for your question.

      Please see this page on adding a partner to the title of the property.

      A mortgage broker can help you find the right loan.


    Default Gravatar
    RhondaMay 7, 2014

    I want to do a reverse mortgage and am looking at the seniors one is it the best one?

      Avatarfinder Customer Care
      ShirleyMay 7, 2014Staff

      Hi Rhonda,

      Thanks for your question.

      Unfortunately we’re unable to say which one is ‘best’ because the best home loan is dependent on your financial and personal situation.

      If you need assistance with finding the right home loan for you, you may want to consider the services of a mortgage broker.


      Avatarfinder Customer Care
      MarcMay 7, 2014Staff

      Hi Rhonda,
      thanks for the question.

      Unfortunately the best product for you will depend on a range of factors, including your income, lifestyle, credit file, age and more. You might want to read more about reverse mortgages here and then speak to a lender or mortgage broker directly about your options.

      I hope this helps,

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