With a combined experience of 10 years in finance and customer
service helping people to realise their personal
and business goals
Who says you have to compromise on your dreams? Whether you are planning to buy your forever home, invest in property, or grow your business, we help you achieve your financial goals in a fast and secure manner. We bring you 10+ years of experience, market-leading rates, and a wide variety of lending options combined with a tremendously knowledgeable team always ready to find the right lending solutions to your needs. Our broad range of financial services includes home loans, business loans, refinancing, investment property, asset financing, and commercial loans.
Transparency and honesty are at the core of how we operate and build relationships with our clients. Our consultants carefully lay out all the options for you and keep you informed every step of the way. We offer you expert guidance, hassle-free paperwork, and personalised service that is second to none.
Buying a home is an exciting time, and one of the biggest investments in one's life. We will search through available home loan products on the market to find the one that is best suited to you, for now and into the future, and maximises the chances of a swift approval. We ask our clients a lot of questions because we want to understand their needs and endeavour to find a suitable solution. We understand that each client's circumstances are unique. Let us be your financial partner to become a proud new homeowner.
Depending on each individual situation, refinancing your home can be a good way to save you money down the track. Your financial position can change over time so you may be eligible for a better interest rate. If you are on a fixed rate home loan, the rate will switch to a variable after the agreed term; this will be a perfect time to look around for a more competitive rate. Some rates and deals can be a great option for those looking to combine all their debts into one.
To achieve a maximum profit on an investment one is advised to turn to someone with experience for guidance. A trustworthy mortgage broker will provide you with an array of options from a wide range of lenders and work through the details of a shortlist with you to find the loan that is best suited and cost-effective in the long run. There are variances in the interest rate depending on the lender but also depending on the area the Real estate is in and the kind of investment property chosen. All in all, though an investment loan is very much alike to a home loan with the repayments depending on the principal, term and interest rate.
From equipment finance to commercial property investments, we cater to all your needs and offer the best available options so you can focus on growing your business. When choosing a loan to start up a business or to enhance your existing business by buying new equipment or maybe even add the shop next door, a Mortgage Broker takes care of all the research and footwork for you.
We are genuinely curious to get to know your unique situation so we
can help you with your financial dreams and success. You can rely on our integrity, and we
always welcome open communication where you can take advantage of our knowledgable staff.
Educate and Empower People With The Right Knowledge
Finance, Customer Service and Problem-Solving
Old Fashioned Bank Manager Approach
We Are Not A 9-5 PM Business. Just An Email Or Phone Call Away
Human Touch With A Smile
Our Way Is Not The Cookie-Cutter Way
Understand That Not One Size Fits All
Trusted Advice With Transparency
Initial enquiry Completing the fact-finder and living expenses sheet to understand customers individual situation.
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Client requirements Discussing important loan features such as fixed VS variable, lender preference, offset, redraw facility, to name a few.
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Borrowing capacity Look at borrowing power, fees involved in purchasing and applicable grants followed by a discussion on future plans and supporting documents required.
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Findings
Presenting the recommendations for review and accepting the recommendations.
Submission stage and accruing the loan Sign the application form, submit and wait for an outcome. (Pre-approval, condition approval or formal approval) Fulfil any requirements from the lender. Once formally approved, sign the loan documents for Settlement.
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“Looking for a good mortgage broker was daunting, especially in a stressful situation like ours because we were buying and selling at the same time. We are so fortunate to have found My First Mortgage. Priya and her team were extremely helpful, understanding, and transparent throughout the whole process. They patiently addressed all our concerns and made everything seamless for us. I have already referred them to friends and family.”
“Priya has a wealth of knowledge, and her services were second to none. Right from the consultation and application to processing and finally closing the mortgage, she took the stress out of securing my dream home. Finding someone in this business who truly has your best interest is a rarity. If I’m ever purchasing again, she’s the only one I would come to.”
“My First Mortgage helped me save on rates and handled all matters efficiently. They were always available and went the extra mile to help me refinance my home. I was offered the best possible rates, and the process was faster than I expected. I’m forever grateful for their transparent advice and tireless effort.”
I think if I had asked you to put a basketball through the eye of a needle I would have been easier. Its like a reality show for brokers with half a dozen hurdles they have to go through to win the grand prize. Tremendous effort from you and your team. We certainly didn’t make it easier for you.
Hey Priya, There were a few twists and turns that’s for sure, but persistence paid off!
Priya helped me with my investment property purchase. Very happy with the service.
Its been an interesting learning experience going through this loan process for me, and finally, it’s all done. I appreciate your time and support through this process. Even at times, you went out of your personal time to reply to text and answering phone calls. You have been awesome. I hope we can look into investment next stage in a few years. Just let me know the right timing. Keep in touch. Thanks
Hi Priya,
Thank you for the time you spent with us to explain the whole process. We understand how this all works and what we need to do to purchase our first home. We will definitely be speaking with you soon to get this underway.
I was seeking a Finance Specialist to consolidate my loans and get a better rate. Priya met all the criteria I was looking for in a Finance Specialist. She identified an institution that not only had a much better rate but has also provided a far superior service so far. The rate I am now paying has saved me hundreds of dollars per week. Priya was very meticulous in her approach and made sure she answered all my questions as we proceeded. She was also extremely prompt in progressing things as quickly as she could. It was very clear early on that Priya knew her stuff and so I became very comfortable that I was getting the right advice for me. I was extremely satisfied with her approach and would definitely recommend her to others.
Dedicated, knowledgeable and trustworthy!!!
Very responsive and caring for your personal situation to provide a custom solution, keep up the good work.
Very knowledgeable and helpful. Got all our questions answered and helped through every step. Would highly recommend!!
Excellent work done by the team. My first broker ruined my application, but was taken over by “MY FIRST MORTGAGE” team and every thing went on smoothly. Not only assisting with my home loan application but also guided me on what is the best product for my circumstances. Best thing is, they are just a phone call away for any small/big questions. I recommend them without any hesitation.
We had been looking at property for quite a while and actively looking to purchase when the early stages of the COVID crisis hit Melbourne. In the preceding months I had confirmation from my bank that we could borrow more than enough to cover a property in our preferred area. As luck would have it we found an incredible property and I managed to negotiate a great price. I knew it might be a little tougher given the new climate but I had no idea how hard it would actually be.
Read MoreWhat does a mortgage broker do?
The mortgage broker will collect all the relevant information from the borrower in order to understand the individual’s situation and needs to achieve the most suitable result. The mortgage broker then will find and connect with the most relevant institutions for a successful application.
What are the costs of using a broker?
When people ask us about our fees for helping them find the right loan product, they are positively surprised to learn that we don’t charge them anything!
We get paid a commission by the lender which does not vary too much so it won’t influence the solution we present to you. Our job is to search through available loan products on the market to find the one that is best suited to you for now and into the future and maximises the chances of swift approval.
And the answer to the most important question, Do we deiced on a lender who pays us the most commission? NO, all of the commissions are more-or-less the same between lenders. The product we chose does not affect the decision, and we will show and explain to you why we are recommending a particular product.
When should I speak to a broker?
Contact a broker the very first time the thought of buying a home comes to mind. When you discuss your goals along with your current position with a mortgage broker, they will help you chart the best course of action towards becoming a proud homeowner. Additionally, you may want to look into buying a home and contacting a broker when:
• You are renting and could instead be paying the same towards a mortgage.
• You have a good credit history.
• You have enough money saved to go for a down payment.
Why should I use a mortgage broker instead of a bank?
Mortgage brokers have an array of lenders to choose from (their portfolio) which enables them to select the most competitive rate and the most suitable loan arrangements for each individual they are doing their research for because loans are their specialty. They will continue to look for better rates even later down the track.
Banks, on the other hand, have varied products on offer and are not only focused on home loans. They will not make you aware if another bank provides a better rate as a Mortgage Broker will.
A Mortgage Broker is working towards your interest, whereas the Bank operates in the Bank’s interest.
Is it best to apply for a loan online or speak to a broker?
The cookie-cutter approach to mortgage brokering might not work in your favour. Online assistance often places everyone into category boxes, completely ignoring the details that would never be missed in person. Trust and reliability triumph in face-to-face meetings. You get a personalised service with no delays. We recommend that you speak to your local brokers in person.
What are the benefits of refinancing?
There are many reasons for refinancing a home loan when the fixed term comes to an end. You may want to renovate or need to get a new car or go on the holiday of a lifetime. There is also an option for consolidating loans (car loan, personal loan, credit card) to get a better grip on your outgoings.
Fees may occur for exiting and switching loans and must be taken into consideration.
What is a credit report?
It’s a thorough financial report that digs into your entire history regarding how you’ve performed with credit. It entails the number of lenders, credit card companies, amount of credit and whether you have paid back all the loans you’ve ever taken in a timely fashion. Lenders utilise this information to determine if you’re qualified for a loan. This information is collected from banks, real estate agents, landlords, etc.
Will it cost me money to be loyal to my Bank?
It most certainly will if you don’t explore other options. Banks never make personal decisions or concessions and live by their standard operating procedures. The rewards for your continued loyalty are fixed. That won’t change unless there is some update from headquarters. Think primarily about what’s best for you. Is the Bank offering a suitable mortgage? Is the plan specifically tailored to your needs? The only way to know for sure is by checking your options.
Do mortgage brokers get better rates?
They are likely to get you a better rate for your loan because they have an extensive network of lenders at their disposal that they keep monitoring frequently. They have inside knowledge and an acute understanding of the local market and are aware of all the offers available. A mortgage broker is more flexible than ONE Bank and will negotiate the most satisfactory outcome for you.
