Our Selection of Lending Services

You can expect the Best outcome coupled with a Premium Service

1st Street is a leader in the industry – awarded No. 1 Mortgage Broker in Australia and ranked No. 1 Elite Business Writer in Australia. We have the knowledge and the relationships to ensure you get the most appropriate loan given your requirements without charging you any fees. You can be approved for a loan within 48 hours* and 1st Street will take care of all of the paperwork and communications with lenders, real estate agents and solicitors. As a 1st Street client you’ll get a dedicated mortgage broker who will meet with you at your convenience, discuss your requirements, negotiate to find you the most suitable solution and take care of everything through to settlement and beyond. With our commitment to offering you a broad range of financial solutions, 1st Street’s Financial Planners can provide you with convenient access to the most suitable superannuation, insurance and wealth protection. *Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

HOME LOANS

1st Street provides an all-encompassing solution for your home loan requirements with a wide range of home loan services.

Loan TypeDescription
BASIC HOME LOANA no-frills loan with a low variable interest rate and little or no fees.
LINE OF CREDITA pre-approved limit which can be borrowed in part or in its entirety.
SPLIT LOANA loan which manages risk and is split between fixed and variable interest rates.
INVESTMENT LOANA tax-effective loan for investors.
INTRODUCTORY RATE HOME LOANA lower initial rate for those looking to minimise payments in the short term.
Redraw FacilityA feature which allows you to make additional repayments to reduce the loan amount and minimise the interest, with the option to redraw additional funds at any time.
Offset Account or All In One AccountAn account which combies your loan, savings, credit and cheque accounts which is intended to minimise the loan amount and thus reduce the interest payable
Construction LoanAccess funds as they are required at the various stages of building.
First Home Buyer LoanEase into the repayments and the costs of buying a first home. 1st Street can also assist buyers with obtaining the First Home Owners Grant and Stamp Duty Exemptions.
Bridging LoanFor when you need to access funds for a limited time only. This type of financing usually is a result of an overlap of two properties.

Commercial Loans

1st Street are experts in commercial and business loans. With great industry connections, 1st Street achieves excellent results with quick turnaround times.

If you would like to purchase a commercial property or if you are interested in purchasing a business, 1st Street has specialist commercial lenders who can evaluate the commercial lending market to find the most suitable product and apply for a loan on your behalf. We hold key relationships and have the knowledge and experience with all lenders which is important when presenting a transaction to the lenders. Our areas of expertise include:

Property
Construction funding
Commercial property (Small/Large, Owner occupied/Investment)
Hotels
Factories
 
Business
Small or Large Retail Businesses
Accountancy Practices
Childcare
Nursing Homes
Cashflow Lending

We will coach you through the particular proposal or transaction so we can ensure we attain approval first time.

Leasing

If you need an affordable and tax-effective way of gaining access to office equipment, vehicles and more, 1st Street offers a specialised leasing service.

Leasing is a financial instrument commonly used in business. A lease is similar to a rental agreement in that regular payments are made to be able to use an asset. 1st Street can arrange leasing for equipment such as:

  • Cars, Trucks and Commercial Vehicles
  • Computers, Printers and Office Equipment
  • Forklifts, Earth Moving Equipment
  • Shop or Office Fit-outs

A lease usually has a term of 1 to 5 years and monthly repayments can be reduced if a residual/balloon payment is added. 1st Street offers a variety of leases including:

  • Chattel Mortgage
  • Commercial Hire Purchase
  • Finance Lease
  • Novated Lease
1st Street will find the most suitable and affordable leasing option for you whilst taking into consideration the associated tax and GST implications.