eChoice Home Loans

Information verified correct on October 21st, 2016

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

eChoiceeChoice can help you find a specific loan and cut through the jargon. They can help you sift through the home loan market to find a loan that suits you. Using your loan and property details, as well as taking your financial and personal circumstances into account, an eChoice broker will find a loan which fits your purpose, income and lifestyle. Also, they have access to many different brands and can offer a wide range 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 about how they work.Back to top

Who are eChoice Home Loans?

eChoice is a mortgage broker for a modern market. They work alongside a select group of lenders, and work with consumers to help them choose the perfect loan for them and their personal financial situation.

Finding a suitable home loan can take a huge amount of time and effort when you do it alone. You will need to look at each individual lender, each product offered by that lender, and then go through the process of trying to apply for the one that you think suits you best.

eChoice Home Loans work differently to many other brokers of this type because they do not merely use automated equipment to find you a good deal. They use a fusion of software and human consultants to look at your individual set of circumstances, then compare up to 25 different brands, and then will work with you to help you decide which deal will work best for you.

eChoice Home Loans don’t only deal in mortgage products either. They can also help you find suitable commercial loans, insurances, and investment products too.

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Awards eChoice has earned

eChoice has won a range of recent awards which demonstrate the care you'll receive if you choose an eChoice broker. These awards include:

  • 2014 MFAA Awards Winner 'Aggregator/Originator of the Year'
  • 2014 Australian Broking Awards Winner 'Boutique Aggregator of the Year'
  • 2013 Australian Broking Awards Winner 'Best Digital Presence'
  • 2014 Australian Banking and Finance Awards 2014 Finalist 'Mortgage Broker of the Year'
  • 2013 The Adviser Top 25 Brokerages
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How many home loans does eChoice have access to?

One worry people have when thinking of using a broker service is that they may only be offering deals from unknown lenders. This certainly is not the case with eChoice. To give you an idea of the kinds of home loans which they compare, below are some of the brands eChoice has access to:

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How much does it cost?

Using the eChoice service will not cost you a single cent! Even if you take their advice and end up buying a product from their recommendation. Their fee is covered by the lender whose product you purchase, so you won't pay any extra for using their service.

They even take care of most of the paperwork for you which will be another load off your mind.

How does a mortgage broker benefit me?

Buying a home can be very daunting, especially if you're a first timer and perhaps aren’t 100% sure what you are looking for. If you're not yet familiar with home loan jargon then don't despair. The eChoice website has many sections that explain absolutely everything you will need to know about arranging a loan.

They explain all the general terms you may hear on your mortgage search, and they go into detail about every type of home loan available, and explains the positives and negatives of each one, so nothing is left to chance.

Being able to deal with real human beings makes the eChoice Home Loan process a much easier and consumer-friendly experience too. When you're borrowing large sums of money for a home, most people prefer to be able to speak with a human.

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Why choose eChoice over another broker?

eChoice allows you to focus on the things that you want from your mortgage so that you wind up with the perfect house as well as an ideal loan product.

    • No cost to you - The best part about eChoice is that it is completely free of charges and fees. eChoice brokers will receive a commission from the lender you take out a home loan with, so don't charge you anything directly.
    • Compare multiple products - eChoice takes into account more then 30 mortgage brands and all of their different products so that you can find one that truly meets your needs. With this many options to choose from it is easy to find the one that is perfect for your family budget.
    • Personalised advice - Once you've given your broker all of your data you will be presented with a few loan options. This allows you to really compare the loans so that you wind up with the perfect one for your needs.
    • Trusted brand - They have been in business in Australia for more then a decade, assisting thousands of Aussies in getting the right loan at a price that makes sense. They are part of the Firstfolio family and have more then eighteen billion dollars in loans under their management. No matter who you are or what kind of product you are looking for you can trust them with your data.Back to top

Frequently asked questions

I would like personal advice on my home loan, can eChoice help?

Yes, eChoice mortgage brokers are licenced to give personal advice about your mortgage. Whether you're refinancing, buying your first home, next home buyers, constructing your new home or an investor, eChoice can help you find the right loan or give a second opinion.

I have a bad credit file, can eChoice help me?

Yes, there are number of bad credit specialists on eChoice's panel. They will be able to assist you with your application and ensure that you meet the eligibility requirements.

Can an eChoice broker help me find an Australian mortgage to finance an overseas property?

eChoice can help you in this regard. Whether you're investing in property overseas or buying it as a gift but want your loan to come from Australia, eChoice can help you find the right one.

Using a broker from eChoice is one of the best ways to make sure that the mortgage you wind up with is the right one today and the right one for your future. Whether you are securing your first home loan or buying an investment property this website should be the first place you go on your search for the perfect lender and loan product. With absolutely no fees there is no reason not to take advantage of this loan comparison website.

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13 Responses to eChoice Home Loans

  1. Default Gravatar
    Rachel | March 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.

    • Staff
      Belinda | March 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,

  2. Default Gravatar
    Rav | February 11, 2016

    Do you deal with CUA for refinance home loan?

    • Staff
      Belinda | February 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.


  3. Default Gravatar
    Mal | March 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?

    • Staff
      Shirley | March 13, 2015

      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


  4. Default Gravatar
    lyn | December 4, 2014

    Do you have an office in Murray Bridge?

    • Staff
      Shirley | December 4, 2014

      Hi Lyn,

      Thanks for your question.

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


  5. Default Gravatar
    Felicio | June 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..

    • Staff
      Shirley | June 24, 2014

      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.


  6. Default Gravatar
    Rhonda | May 7, 2014

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

    • Staff
      Shirley | May 7, 2014

      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.


    • Staff
      Marc | May 7, 2014

      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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