Mortgage Choice vs Aussie Home Loans
Figures as at August 2026 (Mortgage Choice) and July 2026 (Aussie Home Loans). Confirm both against the disclosure document.
Side by side
| Fee | Mortgage Choice | Aussie Home Loans |
|---|---|---|
| Total investment (all-in) | $71,200–$131,650 | $250,000–$400,000 |
| Initial franchise fee | $35,000 | $45,000 |
| Fit-out & equipment | $10,000–$80,000 | $120,000–$250,000 |
| Working capital | $40,000 | $60,000 |
| Royalty | — | 6.0% |
| Marketing levy | — | 3.0% |
| Term | 5 years | 5 years |
| Australian outlets | 639 | 230 |
| Category | Mortgage & Finance | Mortgage & Finance |
Establishment ranges include working capital. Every figure is dated to its source, see each brand’s profile for the full breakdown and provenance.
Which is cheaper to get into?
Mortgage Choice is the cheaper way in, its establishment range starts at $71,200 against $250,000 for the other. Remember the all-in figure includes working capital; the gap can narrow or widen once you cost fit-out for a specific site.
Both in context
Mortgage Choice and Aussie Home Loans are both mortgage & finance systems. Across the category, the Fee Index shows a median all-in cost of $60,000–$124,000 (15 systems). See where each sits against the field in the Mortgage & Finance Fee Index.
Common questions
Is Mortgage Choice or Aussie Home Loans cheaper to buy?
Mortgage Choice has the lower entry cost. Mortgage Choice costs $71,200–$131,650 all-in versus $250,000–$400,000 for Aussie Home Loans. These are establishment ranges including working capital, always verify against the disclosure document.
Which has more locations, Mortgage Choice or Aussie Home Loans?
Mortgage Choice is the larger network, with 639 Australian outlets versus 230 for Aussie Home Loans.
What royalty do Mortgage Choice and Aussie Home Loans charge?
Mortgage Choice charges an undisclosed royalty. Aussie Home Loans charges 6.0% royalty and a 3.0% marketing levy. Both are ongoing percentages of gross sales, confirm the current rates with each franchisor.
Should I choose Mortgage Choice or Aussie Home Loans?
It depends on your budget, which territories each has available near you, and the format you want to run. This comparison uses each franchisor's published figures; before deciding, request both disclosure documents, check territory availability, and have an accountant review the numbers.