SERVICES

SERVICES

Find a solution that best suits your needs

“Your Finance Partner For Life”

We are proud to be a full member of the Mortgage & Finance Association Of Australia (MFAA) and be accredited with over 30 lenders.  At First Choice Finance & Mortgage, we pride ourselves in helping our clients with all their finance needs.

Whether you are a first home buyer, refinancer, property investor, developer, builder or business owner wanting to grow your business or acquire new assets or equipment, our team is genuinely here to help you achieve your goals with speed and convenience.

For residential home buyers and property investors, effective debt structuring is of utmost importance in achieving successful outcomes.  At First Choice Finance & Mortgage, we put our clients at the heart of everything, which sets us above competition. You can be confident that you are in safe hands, we will find the loan that’s right for you and meet your individual needs.

In the business sector, we have helped many SME businesses manage their working capital, purchase inventory, purchase or replace assets and equipment, international trade finance, fund projects and refinance existing facilities.

We secure business finance for various industries such as retail, wholesale, manufacturing, professional services (such as medical doctors, dentists, pharmacists), food and beverage, hospitality, hotel accommodation, technology, automotive and more.

Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

There are literally hundreds of loan products on the market and it is our job to help you find the right solution to suit your individual needs and servicing ability.

We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:

Supporting First Home Buyers

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.

Investment Loans

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.

Commercial Loans

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.

Honeymoon Loans

A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

Asset Finance

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, boats, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.

Business Loans

We help GROW businesses. We work with you to secure the right business loans, so that your business achieves its fullest potential.

Dual Application: We streamline residential and business lending together with one assessor (ability to use current, past and future income capacity).
Financial Restructuring: We help reorganize repayments, raise finance & maximise tax benefits.
Business Growth Finance: We help secure additional funds for expansion (requires business plan, BAS, good credit history, no ATO debts, secured against existing property).
Unsecured Business Loans

We Can Help You Secure :

 Home Loans
Refinance
 Investment Loans
 Construction Loans
 Debt Consolidations
 Business Loans
 Commercial Loans
 Medical Professionals Loans
 Personal Loans
 Line Of Credit
 Car Finance
 Equipment Finance
 Insurance (Car/Home Contents)

Customers I can help

Click on the links below to find out more…