How much does a Mortgage Choice franchise cost?
Captured August 2026 · source: ACCC Franchise Disclosure Register.
Full cost breakdown
| Initial franchise fee | $35,000 |
| Fit-out & equipment | $10,000–$80,000 |
| Working capital | $40,000 |
| Total investment (all-in) | $71,200–$131,650 |
Establishment range includes working capital. Where a franchisor’s published range excludes it, we publish our computed all-in figure and note the difference.
Ongoing fees vs the category
| Fee | Mortgage Choice | Category median (systems) | Position |
|---|---|---|---|
| All-in establishment cost | $71K–$132K | $60,000–$124,000 (15) | above median |
Medians from the Mortgage & Finance Fee Index: the figures franchisors publish and their ACCC Register establishment costs. A fee median is only shown when at least five systems publish that fee.
What that buys you
The $35,000 initial fee covers your licence to operate under the Mortgage Choice system, initial training and brand onboarding. The bulk of the investment, $10,000–$80,000, is the physical site build. The term is 5 years, with a 5-year renewal option.
Estimate your cost
Indicative only, initial fee $35,000 + fit-out $48,600 + working capital $40,000. Confirm the exact figure in the disclosure document.
Cost questions
How much does a Mortgage Choice franchise cost?
A Mortgage Choice franchise costs $71,200–$131,650 all-in, including a $35,000 initial franchise fee, captured August 2026 (source: ACCC Franchise Disclosure Register). This is an estimate, confirm every figure against the franchisor's disclosure document before you commit.
What is the cheapest way into a Mortgage Choice franchise?
The lowest entry point is the bottom of the establishment range, $71,200 all-in. A resale of an existing site can sometimes reduce fit-out cost versus a greenfield build, but pricing depends on the site, compare both before committing.
Is a Mortgage Choice resale cheaper than a new site?
Not always. A resale removes some fit-out and ramp-up cost but adds goodwill in the sale price. New sites carry the full fit-out cost but start with no goodwill premium.
What hidden costs should I budget for?
Beyond the initial fee and fit-out, budget working capital for wages, stock and rent before the site is cash-flow positive. Any royalty and marketing levy are ongoing, not one-off, confirm the current rates with the franchisor.
Do I get a refund during cooling-off?
Under the Franchising Code, a new franchise agreement carries a 14-day cooling-off period that starts when you enter into it. If you exercise it, the franchisor must repay what you paid within 14 days, keeping only reasonable expenses the agreement sets out. This is a statutory right, not a franchisor concession.
Compare Mortgage Choice with similar mortgage & finance franchises
| Franchise | Investment (all-in) | Royalty | |
|---|---|---|---|
| Yellow Brick Road | $132K–$550K | — | Cost |
| Loan Market | $10K–$30K | — | Cost |
| Aussie Home Loans | $250K–$400K | 6.0% | Cost |
Compare Mortgage Choice head-to-head
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