Mortgage Choice

Mortgage Choice is an Australian mortgage broking franchise that provides financial intermediary services to residential and commercial borrowers. The brand assists clients in selecting and arranging mortgages from a panel of over 35 lending institutions. Beyond home loans, the network facilitates access to commercial loans, reverse mortgages, asset finance, and personal loans. Mortgage Choice also offers secondary services such as deposit bonds and insurance products. The business model utilizes a franchise network where operators act as credit representatives under a centralized Australian Credit Licence. Revenue is primarily generated through upfront and trail commissions from lenders, though fees may be charged to customers in specific circumstances. Franchisees are permitted to operate through various formats, including retail office locations, mobile operations, or home-based setups. A significant differentiator for the brand is its integration with REA Group, which provides the network with digital leads and market data from the realestate.com.au audience. Founded in 1995, Mortgage Choice has established a significant presence in the Australian real estate and finance sector. The network includes more than 1,000 individual brokers operating across more than 100 franchise units nationwide. The franchise does not permit its representatives to provide specialized taxation or financial advice, focusing strictly on credit assistance and brokerage activities.