Home loans by choice

Compare your rate

Our technology has access to live rates from over 45 banks and non-bank lenders. Stop searching bank by bank. Compare and find top rates in seconds.

Smart options check

See if refinancing may be worth exploring. Your result can help you understand whether there may be better loan options available, or whether it is worth speaking with a broker before making a decision.

Fee report, free support

Whether you want to lower repayments, access equity, renovate, invest, consolidate debt or simply check your current loan, this gives you a clearer place to start at zero-cost.

Rates move. Property values change. Your financial goals shift over time.

That means the home loan that suited you a few years ago may not be the right fit today.

A quick home loan health check can help you see whether your current loan is still competitive, whether you may have usable equity, and what options could be available.

The home loan health check is a no-obligation, super-fast snapshot designed to help you understand where your home loan stands today and how much you could save (or borrow for your reno, holiday or investment) by adjusting it.

We built the health check to give you a quick starting point before you complete a full application or speak to multiple lenders. If there is a possible opportunity, we can help you look at the numbers properly and compare your options across a wide lender panel.

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Great service speaks for itself

latest five star reviews
Percy W
Home Loans By Choice were incredible. My broker met with me several times via video chat and phone and took the time to understand my situation and get the best outcome. Easy, no hassle and fast service.
Sandra M
A simple, digital home loan experience from start to finish. Apply online, compare options quickly, and get real support when you need it.
Ron H
My Home Loans By Choice broker was fantastic to work with, he took the stress out of applying for my first home loan, not only is he extremely professional but also so fast to find the best deal.

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Our expert insights will help guide you through the process and get you to your goal sooner.
0412 093 385

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Ask us anything. We don't charge for our services and are here to help, so drop us a question or book in a time to chat.

Find your rate

We get it, you’re in the moment. Get three (or more) low rate options for your loan in under 60 seconds.
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Choice

Home Loans By Choice help you compare thousands of loan options from Australian bank and non-bank lenders, get expert help from a local mortgage broker, and explore tools to help you find, buy and own with confidence.

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ABN: 77119247997
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Able Accounting & Taxation Services Pty Ltd trading as Home Loans By Choice (ABN 77119247997) is authorised under Australian Credit Licence: 421861.

IMPORTANT NOTE: All content is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.

Home Loans By Choice compares loan options from a range of lenders but may not consider all products available in the market. If you choose to proceed, you may be connected with a licensed mortgage broker who can assist with your application. We may receive a commission if you obtain a loan through our platform. CDR data is sourced from participating Australian financial institutions in accordance with the Consumer Data Right.