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Total Choice Home Loans

Updated 2026-07-30 · 4,285 reviewed · 380 listed · Scored from 91 Google reviews · How we rank ›

5.0(91) 91 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansRefinancingInvestment Property FinanceConstruction & Building LoansSelf-Employed & Low-Doc LoansCar & Personal LoansMortgage Broker
Total Choice Home Loans
Services
First Home Buyer Loans, Refinancing, Investment Property Finance
Reviews
91

What recent reviews say

Reviewers consistently praise Jonathan, Linda, and the team for turning stressful loan applications into smooth, well-supported processes. They highlight quick responses, clear explanations, and a willingness to rework strategies when obstacles arise, from first home buyers to investors and self-employed applicants.

Repeat clients return specifically because of the personalised service and care. The team has connected customers with settlement agents, handled unexpected changes mid-process, and secured competitive rates even for unconventional situations. No negative experiences appear across 91 reviews.

Praised for
  • knowledgeable team led by Jonathan and Linda
  • fast communication and quick turnaround
  • patient guidance through complex applications
  • responsive and professional throughout
responsive-communicationgot-best-ratesmooth-settlementexplained-clearlyknowledgeable-brokerpatient-with-questionswent-above-and-beyondreliable-followupgreat-with-first-home-buyerssettled-on-time
Best for: First home buyers, investors, self-employed, and customers needing complex loan applications navigated patiently.

Strengths

  • Long-standing team (operating since 2006)
  • Handles complex self-employed and non-standard applications
  • Strong track record on settlement outcomes
  • Personalised, step-by-step guidance

Worth knowing

  • Jonathan (principal) and Linda (key team member) named consistently across reviews
  • Michelle also mentioned for loan achievement assistance
  • Operating since at least 2006
  • Member of the Mortgage and Finance Association of Australia, Australian Credit Licence #385844
  • Connects customers with settlement agents
  • Successfully handled sole traders with limited business history as first home buyers

What reviews say by service

First Home Buyer Loans
Praised for patience, step-by-step guidance, and securing competitive rates even for self-employed first-time buyers.
Refinancing
Customers highlight efficiency and reliable repeat service for refinancing needs.
Investment Property Finance
Noted for professional, efficient guidance and on-time settlement for investment purchases.
Construction & Building Loans
Listed on website; no specific review commentary on construction loans.
Self-Employed & Low-Doc Loans
Specifically praised for handling sole traders with limited business history and moving 'mountains' to secure approvals.
Car & Personal Loans
Listed on website; no specific review commentary on car or personal loans.

How it compares

  • Rated 5 against a 4.92 average across the 322 first home buyer loans businesses listed here.
  • Has more Google reviews than 82% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 99
Review volume 85
Review recency 100
Review sentiment 80
Profile completeness 100
Verification 30

Rating breakdown

5
90
4
0
3
0
2
0
1
1

Common questions

How long has Jonathan's team been in business?
Since at least 2006, based on a customer's engagement history.
Does the team help if I'm self-employed or a sole trader?
Yes. Reviewers specifically praise them for handling sole traders with limited business history and securing strong results for self-employed first home buyers.
What happens if something goes wrong during my application?
Reviewers report the team reworks strategy and finds alternative approaches. One customer noted they 'moved mountains' when hitting roadblocks.

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SCOOP Property & Finance

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BH Brown Mortgage Brokers
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Last updated 2026-07-30