Lending & Finance

There are a myriad of loans available to prospective borrowers and our job at First Financial is to help you weigh up the pros and cons of all the various options. Knowing what property loan, leasing arrangement or investment loan suits your circumstances is the job of a lending professional who will take the time to explain the fine print so you understand the loan you are entering.

Home Loans
Buying a home will be one of your most significant borrowing commitments. First Financial can help you choose a licensed provider, negotiate the interest rate, read the fine print and check that the product suits your circumstances.

Commercial Loans
At First Financial we pride ourselves on our ability to support small to medium enterprises and big business with their commercial finance requirements. Whether it is inventory finance, cash flow finance, an overdraft or even thinking of purchasing a factory, we can help. We have access to a wide range of lenders specialising in commercial finance to ensure we get the best result for you.

Investment Loans
Borrowing to invest is a popular way to accumulate wealth over the long term. Although it is not for everyone, for the right individuals it can be a very worthwhile strategy. Borrowing to invest is most commonly used to purchase an investment property, although some will prefer borrowing to invest in shares or perhaps even through their Self-Managed Super Fund. Borrowing to invest is also a popular strategy to minimise taxable income. This is achieved where the income received on your investments does not cover the loan payments, allowing you to claim a tax deduction for the shortfall.

Leasing
A car for personal or business use is a necessity for work or home. Getting to work, dropping the kids off at school or preparing for your next trip away, we can assist you with a lease or hire purchase that suits your budget. Looking for your next car? Get a free quote from us and see how easy it is.

On our Tools page we have a Mortgage Calculator where you can estimate your repayments against variables such as the loan amount, different interest rates and the timeframe of the loan.