eChoice Home Loans

Information verified correct on February 21st, 2017

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

eChoiceeChoice 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.

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Fill in the form and you’ll be called by a specialist mortgage broker from eChoice to have an obligation-free discussion about your options.

Your eChoice broker will compare hundreds of home loans from more than 30 lenders to help you find the right loan for you. They’ll also help you calculate your borrowing power, and present your options in a free home loan report.

eChoice is an award-winning broker with over 18 years of experience, and has helped more than 50,000 Australians to find the right home loan.

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What is eChoice?

eChoice is a mortgage broker for the modern market. It works alongside a select group of lenders to help consumers choose the perfect 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 works differently to many other brokers of this type because it doesn't just use automated software to find you a good deal. eChoice uses a fusion of software and human consultants to look at your individual set of circumstances and compare over 30 different brands to help you decide which loan will work best for you. eChoice don’t only deal in mortgage products either. It can also help you find suitable commercial loans, insurance and investment products too.

Which home loans does eChoice have access to?

One worry that people often have when using a broker service is that the broker may only offer loans from unknown lenders. This is not the case with eChoice. 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
  • AMP
  • ANZ
  • Auswide Bank
  • Bank of Sydney
  • Bankwest
  • Beyond Bank
  • Bluestone Mortgages
  • Citibank
  • Collins Securities
  • Commonwealth Bank
  • Firstmac
  • Heritage Bank
  • Homeloans Ltd
  • ING DIRECT
  • Keystart Home Loans
  • LaTrobe Financial
  • Liberty Financial
  • Macquarie Bank
  • ME Bank
  • MKM Capital
  • Mortgage Ezy
  • MyState
  • NAB
  • Now Finance
  • Paramount
  • Pepper Home Loans
  • Resicom
  • Resimac Select
  • St.George
  • Suncorp
  • Teacher's Mutual Bank
  • Westpac
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How much does it cost?

Using eChoice will not cost you a single cent. The fee is covered by the lender that you end up going with, so you won't pay any extra for using the broker service. eChoice even takes care of most of the paperwork for you, which makes things a lot easier.

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.

Being able to deal with real humans makes using eChoice an easy and consumer-friendly experience. When borrowing large sums of money for a home, most people prefer to speak to someone in person.

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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 end up with the perfect house as well as an ideal loan product.

    • No cost to you. The best thing about using eChoice is that it is completely free. eChoice brokers will receive a commission from the lender you take out a home loan with, so you won't be charged anything directly.
    • Compare multiple products. eChoice takes into account over 30 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 the loan that is perfect for you.
    • 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 perfect one.
    • Trusted brand. eChoice has been in business in Australia for more than a decade, assisting thousands of Aussies in getting the right loan. eChoice is a part of the Firstfolio family and has more than $18 billion in loans under its management.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 you personal advice on your mortgage. Whether you're refinancing, buying your first home, buying an additional home, constructing a property or investing, eChoice can help you find a loan or give you a second opinion.

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

Yes, there are a number of bad credit specialists on eChoice's panel. They can 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?

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

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 loan comparison website.

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15 Responses to eChoice Home Loans

  1. Default Gravatar
    Julio | January 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?

    • Staff
      Anndy | February 1, 2017

      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.

      Cheers,
      Anndy

  2. 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,
      Belinda

  3. 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.

      Thanks,
      Belinda

  4. 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

      Cheers,
      Shirley

  5. 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.

      Cheers,
      Shirley

  6. Default Gravatar
    Felicio | June 23, 2014

    Hi
    ,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.

      Cheers,
      Shirley

  7. 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.

      Cheers,
      Shirley

    • 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,
      Marc.

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