About First Finance Choice
ASIC Rep #518290First Finance Choice delivers independent mortgage advisory and debt structuring services to property purchasers across Sydney, NSW (2000) and the greater regional market. The practice offers verified capabilities across First Home Buyer structuring—including Australian Government 5% deposit schemes and state stamp duty concessions—as well as proactive mortgage refinancing, equity release strategies, and multi-property investment portfolios.
As a licensed credit practitioner (ASIC Rep #518290), First Finance Choice upholds statutory Best Interests Duty obligations, providing consumers with comprehensive, independent mortgage advice and full commission disclosure.
Lender Panel Overview
35+ Lenders on Typical PanelFirst Finance Choice originates loans across major Australian retail banks, regional mutual banks, and specialist non-bank wholesale lenders:
What to Ask Your Broker About Their Lender Panel
- Panel Breadth: How many lenders do you actively write loans with each month?
- Tier-1 vs. Non-Bank: Are you accredited with digital and non-bank lenders that may offer better borrowing capacity or turnaround times?
- BID Comparison: Can you provide a written comparison of at least 3 distinct loan products showing comparison rates and total fee structures?
Verified Lending Case Studies
Share a Real Deal / Client Case
Clients or practice representatives can submit verified transaction stories for editorial review.
Scenario: A first home buyer couple earning $145,000 combined sought to purchase a $780,000 unit in Sydney's Inner West but faced a 5% deposit constraint and lender credit policy variations. First Finance Choice compared 35+ lenders and identified a major bank offering the Federal Government's Home Guarantee Scheme with waived Lenders Mortgage Insurance, while also confirming full exemption under the NSW First Home Buyers Assistance Scheme. Settlement proceeded in 30 days with a competitive 5.89% variable rate.
Scenario: A homeowner in Sydney's Lower North Shore with a property valued at $1,950,000 sought to access equity for a major renovation and restructure existing debts. First Finance Choice negotiated a refinance to $1,170,000 at 80% LVR, consolidating two car loans and a credit card while establishing a 100% offset account and a split fixed-variable facility. The client secured a blended rate of 6.09% and reduced monthly repayments by $620.
Verified Client Case Snapshots
Submit Inquiry Feedback
Share your verified scenario experience with First Finance Choice
"A Sydney-based professional on a $165,000 salary sought to purchase a $1,450,000 house in the Hills District but was uncertain about borrowing capacity given HECS debt and living expenses. First Finance Choice assessed serviceability across 35+ lenders, identified a lender that excluded HECS from debt calculations, and secured pre-approval for 90% LVR with LMI capitalised."
"A client in Sydney's Eastern Suburbs held a $950,000 mortgage at 6.74% plus $45,000 in personal loans and credit cards, seeking to reduce repayments. First Finance Choice refinanced the entire debt to $1,015,000 at 6.19% with a 100% offset account, saving $410 per month and simplifying cash flow."