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Mortgage & Home Loan Brokers - Mortgage ChoiceMortgage & Home Loan Brokers - Mortgage Choice Become a franchisee Login MyHub Speak to a broker Speak to a broker Request a call 13 77 62 Find a broker Close menu Toggle menu Home loans Get started today Buy a property Refinancing your mortgage Buy an investment property Buying land Home loan health check First home buyers guides Property Investment guides Refinancing guides Expert advice Home loan features Loan types Lenders Mortgage Insurance Home loan deposit Home buying costs Home equity Tax and gearing What is rental yield? Our Loans Mortgage Choice Amplify Mortgage Choice Freedom Mortgage Choice Ignite Mortgage Choice Smartselect Compare home loans Compare home loans from 35+ lenders across Australia. Mortgage Choice helps you find the best rate available.  Business loans Business lending Equipment finance Commercial property Asset Finance Guides Business loans Car loans for businesses Small business loans Warehouse Loans Business Loan Guides Other services Car loans Car loan pre-approval Car loan refinancing Car insurance Car-buying service Car loan guides Home insurance Home buildings & contents insurance Landlord insurance My protection plan Insurance Guides Other Personal Loans Personal loan guides Calculators & resources Home loan calculators Refinance calculator Borrowing power calculator Repayment calculator How long to repay Stamp duty calculator Lump sum payments calculator LVR calculator Remaining balance calculator More calculators Fortnightly repayments calculator Compare interest rates Reverse mortgage calculator Split loan repayments calculator Savings target calculator Other resources Home ownership First home buyers First home owners grant Refinancing Property investing Upgrading your home Home loan guarantors Mortgage Choice News Read here for tips, tricks and insights into home loans, the property market, and all things finance. Mortgage brokers News & Guides News Property market trends and insights Interest rates Finance and property Guides Home loans guides First home buyers guide Property investment guide Refinancing guides More guides Business loans guide Asset finance guide Car loans guide Personal loans guide Insurance guide Franchises guide Search Search the Mortgage Choice website Close form Expert mortgage brokers you can trustLet us find you a better deal on your home loan. Location Broker name Get expert home loan advice: I want to buy a home Get started I want to buy an investment Get started I'm considering refinancing Get started Our brokers work with more than 35 lenders and can access thousands of loans. Starting from %*p.a. Comparison rate %#p.a. Disclaimer: Interest rate associated with | minimum loan size: . Further conditions, fees and charges may apply. Have you been holding your breath for an interest rate drop? Don’t wait to make your next move.   With interest rates currently on hold and no signs there’ll be a rate cut anytime soon, now could be the right time to explore your home loan options.   Whether you’re looking to purchase a new property or simply to check if your current loan is still  right for you, we can help.  Talk to your local Mortgage Choice broker today.   Find out more Home loan calculators How much can I borrow? My home loan repayments My loan to value ratio (LVR) More Calculators I'm looking to borrow for Just me Two of us Dependants Work status - are you self employed? PAYG Self Employed My monthly income before tax $ Rental income My monthly rental income before tax $ Other income My monthly other income before tax $ My credit card limits $ Other repayments My other monthly repayments $ 2nd Applicant 2nd applicant monthly income before tax $ Rental income 2nd applicant monthly rental income before tax $ Other income 2nd applicant monthly other income before tax $ 2nd applicant credit card limits $ 2nd applicant other repayments 2nd applicant other monthly repayments $ Calculate You could borrow up to Repayments / month Expenses Remaining Based on standard variable rate over years. Start the pre-approval process Talk to a broker The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments. Your borrowing estimate Recalculate borrowing power Monthly income Expenses You may borrow up to Value of property $ Borrowing $ Over 20 years 25 years 30 years Interest Rate Use the lowest rate from Mortgage Choice's lender panel Input rate % Repayment options Principal and interest Interest only 1 year Interest only 2 years Interest only 3 years Interest only 4 years Interest only 5 years Extra monthly repayments $ Update Your monthly repayments Total loan repayments: Total interest charged: There's a lot to consider when choosing the right loan. Talk to a broker The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments. 1. Your Details Property price Deposit Calculate 2. Results Loan to Valuation Ratio (LVR) 0% Print results Our promise to you Let our brokers do the hard work for you Find mortgage brokers near me What are your home loan needs? Research home loans Find a competitive home loan rate Compare home loans now We settle a loan every 15 minutes With so many options to choose from, finding the right home loan can seem overwhelming. Your Mortgage Choice broker will handle your home loan for you from start to finish, giving you the reassurance of expert home loan advice and ongoing support.   With access to more than 35 lenders and thousands of different home loans, we won’t stop until we’ve found you the right home loan for your individual needs.   We’ve helped more than 750,000 Australians with their home loans. "I am very happy with Mortgage Choice and I am especially grateful to my broker who went the extra mile to help me complete the application forms, guide me through the home loan process and ensure I secured the finance I needed to buy a place of my own." Search for a mortgage broker Looking for a home loan mortgage broker? Find a local expert in your suburb to help you purchase that dream home now. Location Broker name What do our customers think? Sarah, Melbourne, VICInvestor It's so helpful to have an expert you can call on. I believe my broker’s advice reduced the hassle factor and thousands of dollars when the time came to purchase my investment property. She took away all the worries I had about securing the right loan with the right lender. Ashleigh Dodds, Melbourne, VICFirst home buyer The help our broker provided was amazing. I don’t know how many times we asked the same questions but he never made us feel like any questions were silly. He even took the time to explain our home loan to our parents. Jenni Austin, Heidelberg Heights, VIC Property investor After all these years it feels like my Mortgage Choice broker is partnering with me in my property purchases. He is very on the ball and encouraging, and I’m extremely comfortable working with him. I have no hesitation in recommending Mortgage Choice to anyone. B. Barrie, Lockrose, QLDRefinancer We needed to upgrade our car, so I got back in touch with our Mortgage Choice broker. She talked us through the various finance options and crunched the numbers to show how using home equity was a more affordable way for us to fund the car rather than using a car loan. Lenka, Gold Coast, QLDUpgrader “The entire process was very positive. Our broker and his team were friendly and personable, knowledgeable and efficient. Upon booking their initial appointment" Hilary Nanopoulos, Melbourne, VICFirst home buyer They did all the legwork for us when the time came to submit our loan, which meant that once we gave him our paperwork we didn’t have to worry about a thing! Compare and save on your mortgage See the latest rates from over 35 lenders, including the big four banks. Our online comparison tool lets you compare the rates and features of thousands of loans to find the one that's right for you~. Compare home loans Home loans Car loans Business loans Insurance Find a broker Latest home loan news and tips First Home Loan Deposit Scheme This government scheme for first time buyers allows approved applicants to take out a mortgage with just a 5% deposit and avoid paying lenders mortgage insurance, Read here Hottest affordable suburbs to watch in 2024 Industry experts have predicted the suburbs set to outperform in the annual realestate.com.au Hot 100. We reveal the cheapest suburbs on the list. Read here What to expect from the property market in 2024 For housing, the big question on everyone's mind is whether the property price gains seen in 2023 will continue in 2024. Read here Read more Join our newsletter to stay connected First name* Last name* Email* Back to top Talk to us Have us call you Request a call back Call us 13 77 62 Head office Level 17/309 Kent St, Sydney NSW 2000 Facebook Twitter LinkedIn Instagram Google Your local broker Find a broker Find a mortgage broker in Sydney Find a mortgage broker in Melbourne Find a mortgage broker in Brisbane Find a mortgage broker in Adelaide Find a mortgage broker in Perth About us About Mortgage Choice Mortgage Choice Charity Foundation Contact Us Careers Investor centre Media centre Mortgage Choice loan login Sitemap Legal Consumer protection Disclaimer Privacy policy Terms of use Customer charter & credit guide Complaints & Feedback Copyright 2024 Mortgage Choice Pty Limited (ABN 57 009 161 979, Australian Credit Licence 382869) and Smartline Operations Pty Limited (ABN 86 086 467 727 Australian Credit Licence 385325) are owned by REA Group Limited. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline.​ The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement with regard to your personal circumstances, before making any decision about whether to acquire the product. You can obtain a copy of the PDS by emailing homeloans@mortgagechoice.com.au or by calling 13 77 62.* Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, the product may not include all the features relevant to you, and not all products are available in all states and territories.# The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.~ Not all brokers or advisers offer the products of all lenders or solution providers. We'd love to chat, how can we help? First name* Last name* Email* Phone number* Postcode* What can we help you with?* Home loans Car loans & leasing Insurance Construction Loans Business lending Credit Cards Careers & franchising Other Message (Optional) By clicking "Send enquiry", you agree to be contacted by a Mortgage Choice broker and to receive communications from Mortgage Choice which you can unsubscribe from at any time. Read our Privacy Policy. Unable to submit enquiry Something's gone wrong on our end and we're trying to fix it. Please try submitting again in a few minutes. Matching you to an expert broker...This won't take long. Contact your existing broker? Smoother experience as they have all your information. Better understanding of your financials to provide tailored advice. Faster response compared to being matched with a new broker. Contact existing broker Request a new broker. Unable to submit enquiry Something's gone wrong on our end and we're trying to fix it. Please try submitting again in a few minutes. Sending your enquiry... Thanks for your enquiry! A local Mortgage Choice broker will be in touch soon! While you wait, feel free to explore some of our helpful tools: Calculators Access our suite of useful calculators. View calculators Guides & insights Explore our guides to get your questions answered. View guides Careers & franchising guides Get the information you need to take the next steps. View guides Closeenen1727678436https://mortgagechoice.com.au

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