Mortgage Choice

Mortgage Choice operates as a financial services brokerage providing assistance to borrowers seeking residential mortgages. The franchise facilitates access to a panel of over 35 lending institutions, offering customers a selection of loan products. In addition to residential lending, the network provides services related to commercial mortgages, reverse mortgages, equipment finance, personal loans, insurance, and deposit bonds. The business model allows for multiple operational formats, including home-based mobile brokering with low fixed costs or established storefront offices. Franchisees act as credit representatives under an Australian Credit Licence held by Smartline Operations Pty Ltd. Revenue is primarily generated through upfront and trail commissions from lenders, though fees may be charged to customers in specific circumstances. The model focuses on local relationship management and referral networking, supported by integrated technology and digital lead generation via an association with REA Group. Founded in 2001 and headquartered in Australia, the franchise has grown to a network of approximately 101 units. The brand maintains a significant domestic footprint within the mortgage broking sector, positioning itself as a provider of credit assistance. Franchisees are restricted to these activities and are not permitted to provide taxation or financial advice as part of the franchised business operations.