Mortgage Choice mortgage brokers

Choose the right home loan with free expert help from Mortgage Choice

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Rebecca Pike

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Key takeaways

  • Mortgage Choice offers free home loan broker services, with their payment coming from commissions paid by lenders.
  • Its brokers compare home loans from a wide panel of lenders, from the big four banks to smaller banks, credit unions and non-bank lenders.
  • Mortgage Choice has been part of REA Group, the owner of realestate.com.au, since 2021.
 

Mortgage Choice is a mortgage broker that helps you find a home loan to suit your circumstances. It's a service that they provide free of charge to customers, as they get paid via commission from the bank or lender.

Mortgage Choice has been helping Australians finance their homes since 1992. It's now part of REA Group, the company behind realestate.com.au.

The benefits of using Mortgage Choice

When you work with a broker such as Mortgage Choice, you get expert advice and help narrowing down your home loan options.

Your broker searches the loans available from Mortgage Choice's lender panel to find options that match your situation, needs and goals. The panel changes from time to time, so ask your broker which lenders they can access.

Mortgage Choice brokers guide you through the loan application process, from gathering paperwork and payslips to understanding your loan's requirements. They keep you updated right through to settlement, and you can go back to your broker if you have questions about your loan later on.

Which lenders does Mortgage Choice work with?

How reliable is Mortgage Choice?

Mortgage Choice acts as the go-between for you and the lender. Its brokers can explain product features and guide you through each step. Here's how Mortgage Choice sets out its service standards and keeps you informed:

  • Customer Charter and Credit Guide

    Mortgage Choice's Customer Charter and Credit Guide sets out its service standards, how its brokers are paid, which lenders are on its panel, and its privacy and complaints procedures.

  • Finance broking agreement

    Before your broker submits a loan application, you get a Loan Choices document that explains the loans they considered and why they're recommending one. Mortgage Choice brokers must act in your best interests and explain the loan's costs and features before you sign a finance broking agreement.

  • Suitable loan recommendations

    Mortgage Choice brokers recommend a home loan from its lender panel that suits your needs and goals.

  • Ongoing support

    Your broker can help with questions about your loan after settlement, such as when you want to review or refinance it.

About Mortgage Choice

Mortgage Choice was established in 1992 and has grown into one of Australia's largest mortgage brokerages, with a national network of brokers and franchises. It has been part of REA Group, the owner of realestate.com.au, since 2021, and in 2022 it merged with Smartline Personal Mortgage Advisers to form today's Mortgage Choice network.

Home loans are its main focus, but Mortgage Choice brokers can also help with car loans, personal loans, business and commercial loans, asset finance and general insurance. As well as loans from other lenders, its brokers offer Mortgage Choice-branded home loans.

Mortgage Choice's network also supports Australian charities through the Mortgage Choice Charity Foundation, which focuses on people in need, housing and financial literacy.

Why choose Mortgage Choice?

Here are some reasons you might choose Mortgage Choice:

  • Its brokers can compare home loans from a wide panel of lenders, from the big four banks to boutique lenders.
  • It has a national network of local brokers across Australia.
  • Its brokers can also help with car loans, personal loans, business finance and insurance.
  • It's part of REA Group, the company behind realestate.com.au.

Whether you're buying, refinancing or investing, a Mortgage Choice broker can help you compare loans from its lender panel and guide you through to settlement.

Compare other products from Mortgage Choice

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Written by

Editor, Money
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Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio

Rebecca's expertise
Rebecca has written 253 Finder guides across topics including:
  • Home loans
  • Personal Loans
  • Car Loans
  • Cost of living
  • Budgeting
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6 Responses

    Brenton's avatar
    BrentonAugust 15, 2025

    looking to get line of credit ,what do we need to do we own our home appraisal is being done should have figure in next couple days ,just want to know how much can borrow ,and next step

      Sarah Megginson's headshotFinder
      SarahAugust 26, 2025Finder

      Hi Brenton,

      You’ll need to contact a bank or mortgage broker to find out what your options are. Generally, the bank will want to confirm you’re earning enough income to afford the loan if you do draw down. You can learn more about the process here. Hope this helps!

    rick's avatar
    rickJanuary 22, 2023

    I am on a permant DSP, blue card and I can pay rent but would like to live in my own home. I also have a son.

      Rebecca Pike's headshotFinder
      RebeccaJanuary 27, 2023Finder

      Hi Rick,

      If you are seeking help from Mortgage Choice, you can call them on 13 77 62 to get matched up with a local mortgage broker near you. They will be able to talk more thoroughly through your circumstances to help you with your loan options.

      Kind regards,
      Rebecca

    G. Ribertson's avatar
    G.July 22, 2021

    Hi, would like a telephone call to discuss my options

      Sarah Megginson's headshotFinder
      SarahJuly 27, 2021Finder

      Hi G,

      You can call Mortgage Choice on 13 77 62 to get matched up with a local mortgage broker near you.

      Cheers,
      Sarah

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