There are 13 million credit cards in circulation in Australia with an average balance of $2,899 per card, according to research from Finder.com.au.
Nearly 70% of Australians have a credit card, but how many know how credit cards can affect your loan eligibility?
When applying for a loan, lenders are concerned about your income, expenses and debts. Using this information, they’ll calculate your debt-to-income ratio to determine if you’ll be able to manage your loan repayments.
But what may come as a surprise is that they’ll actually use your credit card limit—the possible debt you may accrue in the future— not your current balance owing to figure out your monthly credit card expense.
When calculating your monthly credit card expense as part of your home loan application, the lender will generally assume a monthly repayment of about 3% of your card limit.
For example, some banks calculate the amount needed to repay the credit card limit and interest rate charges over a three-year period as part of the home loan assessment process. This helps the lender determine whether you will be able to service the loan and your potential credit card debt.
Therefore, you should take stock of how many credit cards you have and what their credit limits are before beginning your home loan application as they may affect your borrowing capacity.
Take charge of your credit cards
To get on the right path towards home loan eligibility, talk to us today.
Are you considering investing in property? Buying an apartment can be a manageable option, perfect for first-time investors. The right apartment and good financial planning in Australia can secure incoming cash flow for years to come. Here’s our guide to investing in an apartment that will deliver high returns.
There are 13 million credit cards in circulation in Australia with an average balance of…
Yes, that’s right. You pay zero, zip, nada.
1st Street’s premium service comes at no cost to you! 1st Street is paid by the lender when your loan settles, however, this will not affect your interest rate or loan fees! It is often more cost-effective for a mortgage broker to process a loan rather than the lenders processing it themselves in-house. In fact, we often find that we can save you money by negotiating on your behalf.
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*While our core residential home loan services are provided free of charge, there may be instances where specific services require a fee. If you have any questions about which services are complimentary and which might incur a charge, please feel free to reach out.
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Use our online calculators to work out how much you can borrow, loan repayments, stamp duty and lots more.
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Paul Marev13 October 2026Trustindex verifies that the original source of the review is Google.
Mardee Blackwood and her team are AMAZING! We were total mortgage newbies and no question of ours was too naive. Down to earth, communicative and with your best interests at heart, I highly recommend 1st Street to anyone.Posted on Google
Emma Clegg7 October 2026Justin was fantastic to work with and went above and beyond to help us throughout the whole process of getting our first home loan. He made sure we understood everything along the way and worked hard to get us the best possible deal. We’re so grateful for his help and would highly recommend him to anyone looking for a mortgage broker!Posted on Google
Rene White29 September 2026I am extremely satisfied by the efficient and professional service when dealing with 1st Street. I have no hesitation in recommending 1st Street, for finance or refinance arrangments.Posted on Google
Jose Del Fierro28 September 2026Amanda was excellent throughout the entire process and incredibly patient with all of my questions. As a first home buyer, I found the whole process quite confusing and daunting at times, but Amanda made everything so much easier to understand and navigate.Posted on Google
Cameron Zigliotto28 September 2026Mel couldn’t have made my experience any simpler. Perfect advice and service. Would 100% use again 👌🏼Posted on Google
Ella Murkett25 September 2026Kymberly was excellent throughout the whole process of getting loans and property settlement. She was very responsive to my queries and provided me with regular updates. Would highly recommend Kymberly.Posted on Google
Ping HC11 September 2026We’ve had the fortune of being introduced to Pennie several years ago and would continue to highly recommend her brokerage services. She’s very experienced, efficient, thorough, responsive and ingenious at working around the challenges we’d encountered along our house buying journey. Thank you Pennie for your help!Posted on Google
Hayley Young28 August 2026Kymberly was amazing and so helpful! :)Posted on Google
Anita Hogg27 August 2026Amanda is an amazing broker - she definitely goes the extra mile - whether that’s finding a time for a consult during our hectic schedules to extensive follow up throughout the whole process. No question went unanswered and the whole process was faultless. 100% would highly recommend Amanda at 1st Street to anyone!Posted on Google
Monique Millar14 August 2026Just bought our first home. Amanda Saul I highly recommend not only did she go above and beyond she helped us understand the whole process making it as smooth as possible. Even though we felt like fish out of water. Very patient and nurturing. She is the broker for everyone!!! Thank you Amanda 🫶🏼Posted on Google
Aaron Utai14 August 2026Just bought our first house with Amanda Saul, and the amazing team at 1st Street. Words cannot express our gratitude towards her, for looking after us. It was a lengthy process as our circumstance was fairly unique, but Amanda was so patient and nurturing, guiding us through the process to achieve our goals. Even working, whilst on holiday, and connecting us with all kinds of resources and people. Highly recommend the entire team at 1st Street FinancialPosted on Google
Aidan Polga10 August 2026Amanda was amazing at helping me with all my financial needs! Her service and promptness is great, and she has been a delight to work with! She takes pride in helping her clients and is always willing to go the extra mile! A lovely person and is excellent at what she does! Recommend her highly!Posted on Google
Joey Fichera5 August 2026Working with Yuval as my mortgage broker was an absolute pleasure. From day one, he was extremely professional, patient, and thorough. As someone navigating the home loan process, I had plenty of questions, and Yuval took the genuine time to explain everything clearly, even repeating complex details whenever I needed extra clarity to ensure I felt 100% confident. If you are looking for a broker who truly cares about his clients and makes the entire process stress-free, I cannot recommend Yuval highly enough.Posted on Google
Tracey Schofield3 August 2026David and Bree are great at 1st Street. Always on the phone when you require help, supportive and offer really great advise. Would highly recommend them.Posted on Google
Bonnie McKenzie29 July 2026Kymberly was fantastic to work with. As a new business, we weren’t confident we would qualify for asset finance, but she secured our loan within just one week and at a great rate. She also arranged for deposits we had already paid to be refunded through the finance, which helped us maintain crucial cash flow. Kymberly explained everything clearly, kept us well informed throughout the process and made sure we always knew what was required to keep things moving. We’re extremely happy with the outcome and would highly recommend Kymberly to any business needing asset finance.Posted on Google
Magdalena Brzozowski28 July 2026Loved working with Mardee! She always kept us informed every step of the way. When we needed clarity she always gave us a call to step us through the process, always leaving us reassured.Posted on Google
craig hessell27 July 2026Kymberly was fantastic to deal with. She helped me secure asset finance for my CNC and panel saw, and made the whole process smooth from start to finish. From our first meeting to settlement was only a week, which was a great result. Professional, efficient, and easy to work with — highly recommend.Posted on Google
Jeremy Kinstlinger27 July 2026There's a reason why 1st Street has a 5 star rating across 180+ reviews. We've been working with the team for over a decade and have nothing but praise for them. With a great team that is always looking out for your interests and providing the best solutions out there, there really is no other mortgage broker that touches them. Keep it up!Posted on Google
Gabrielle Tochterman23 July 2026Daniel was fantastic and supportive through the whole process.Posted on Google
Katie Higgins22 July 2026Sarah is an angel! As a first home buyer, she made the whole experience straightforward for me and could not have been more helpful or easy to deal with. Thank you!Posted on Google
squirrel in Oz16 July 2026We cannot recommend Sarah highly enough! She is so genuine and supportive. She took the time to explain every detail in a way we could understand, never making us feel overwhelmed. It truly felt like she had our best interests at heart. I can’t thank you enough!!!! I will be recommending her to everyone!!!Posted on Google
Avi Sharabi15 July 2026Jeremy and his team at 1st Street, did an outstanding job in searching, identifying, collecting information, and following the process to a conclusion. At the end, I managed to refinance my property, and I'm a very satisfied customer. Thank you 1st Street to enabling me to refinance my home, and I'd be very happy to recommend you to any of my associated.Posted on Google
Matt Walker10 July 2026Absolutely a pleasure to work with. I have used Mandy and her team on my last 3 homes and they are a very professional team. Thank you guys 😊Posted on Google
Monique Rubbo6 July 2026Couldn't reccomend Sarah from 1st Street more highly. She is knowledgable, calm and has been such a reliable person for me during a very complicated purchase process. She also was so well connected she was able to put me in touch with conveyencers, financial planners etc. over and above her usual remit. Thank you Sarah and team!Posted on Google
Elliot Fagan4 July 2026Kymberly and her team were great to work with! A very easy process, sourcing me a great deal for my business vehicle.+0Posted on Google
Charlotte Marshall26 June 2026Kymberly was recommended by a friend and I would recommend her to any first home buyer like me, she made the entire process seamless and stress-free. She went above and beyond for me taking the time to explain every single step clearly, laying out all my options and educating me so I felt confident in my decisions. She has genuine care, when I was feeling over the negotiations, she was there to encourage me, telling me "you got this" and giving me the boost I needed. She kept me completely informed about upcoming milestones in the settlement process, eliminated all my anxieties and actually made the experience fun. I never had to follow her up once and I cannot recommend Kymberly highly enough to anyone looking for an extremely knowledgeable, supportive, and dedicated mortgage brokerPosted on Google
ashleigh limneos19 June 2026Kymberly just made everything so much easier for us. Recommended to us by our mortgage broker, Cliff, and we're so glad we were put in touch with her. From the start, Kymberly was friendly, knowledgeable, and incredibly helpful. She took the time to look into Queensland-specific rebates and incentives for us, making sure we had all the information available before making any decisions. What we appreciated most was that there was never any pressure. Car finance can feel quite overwhelming, especially when you're trying to understand interest rates, fees, hidden costs, and all the fine print. Kymberly took the stress and uncertainty out of the process by explaining everything clearly and honestly. She patiently answered all of our questions, broke things down in a way that made sense, and helped us feel confident that we were making the right decision. It genuinely felt like she had our best interests in mind throughout the process. Her communication was excellent, and nothing ever seemed like too much trouble. She made what could have been a stressful and anxiety-inducing experience feel straightforward and manageable. We'd easily recommend Kymberly to anyone looking for a finance broker. Thank you again for all your help!Posted on Google
Bernadette Reynolds17 June 2026Amazing! Kymberly incredibly efficient, all the while updating me and making the process easyPosted on Google
Jesse King13 June 2026Kymberly was incredible, she got me a loan quickly and understood my situation, as I work on multiple contracts.Posted on Google
Daniel Joseph12 June 2026Highly recommend the 1st Street Team. This is my 4th time using them and the experience just gets better. Thanks for all your help Jeremy and team.Posted on Google
Christina Hamilton20 May 2026Amanda was an absolute gem. Very helpful through the entire process for us as newbies to buying in Australia. She gave sound advice and we are really happy with the outcome!Posted on Google
Daisy Benson20 May 2026Kymberly has been a calming, steady force throughout our home-buying journey. We’ve used mortgage brokers before, but Kymberly is our choice from here on out! She is incredibly patient when explaining options, ensuring we understand every detail before moving forward. She’s always just a phone call away, and when we needed a fast loan approval, she delivered without a hint of panic or fuss. If you want a highly knowledgeable mortgage broker who stays completely unruffled by tight deadlines, Kymberly should be your top pick.Posted on Google
Asphand Malik17 May 2026Daniel Lewkowicz came recommended to me and honestly I can now see why people speak so highly of him. Buying property and dealing with banks is quite stressful! However, very quickly Daniel made the whole process feel smooth and under control from start to finish. He helped me secure great interest rates, looked into multiple refinance options for me, and also helped finance my investment property through a top-tier bank. What I appreciated most was how responsive and efficient he was throughout everything. No chasing, no confusion, no unnecessary delays. He just gets things done. What really stood out to me was that he genuinely looks out for your best interests rather than trying to push you into something quickly. He takes the time to explain things properly, gives honest advice, and works hard behind the scenes to get the best possible outcome. I’ve dealt with enough people in this space to know good service is rare, and Daniel is genuinely one of the best I’ve come across. Couldn’t recommend him more highly.Posted on Google
Joel Newman5 May 2026We had a fantastic experience working with Kymberly from 1st Street throughout our home buying journey. From the very beginning, Kymberly was incredibly knowledgeable, responsive, and easy to deal with. She took the time to clearly explain our options, guided us through each step, and made what could have been a stressful process feel smooth and manageable. Her communication was excellent the whole way through, and we always felt confident that everything was under control. She also worked hard to find us a great lending solution that suited our situation. We really appreciated her support and would highly recommend Kymberly to anyone looking for a reliable and professional mortgage broker.Posted on Google
Giorgio16 April 2026I had a fantastic experience working with my financial broker at 1st Street, Daniel, to refinance my home loan. He was supportive and professional throughout the entire process, took the time to answer all my questions, and clearly explained what was happening at every step. He made what could have been a stressful process feel smooth and well‑managed, and ultimately secured me a great deal. I couldn’t be happier with the outcome and would highly recommend him to anyone looking for expert guidance and great service.Posted on Google
Meg O9 April 2026Justin Baboucek is exceptional. As a mortgage broker and moreover, as a trusted adviser. In my long search for a new home (over 2 years) I relied on Justin consistently teach me about bridging finance, to understand what conservative meant for me, what a stretch meant for me, and ultimately, what a measured and manageable approach to a home purchase meant for me in terms of a mortgage. Justin is so consistent in his approach - he is always diligent, commercial, pragmatic, engaging, warm, polite and whip smart. On a personal level he is delightful. Kind, thoughtful, funny and measured. I will recommend Justin to anyone who wants a mortgage broker who is also a trusted adviser.Posted on Google
Brendon Lawlor9 April 2026Kymberley was an absolute pleasure to work with to get my car loan over the line. The whole process was an absolute breeze thanks to her professionalism and great attitude. I highly recommend Kymberly Rowles to assist your financial needs.Posted on Google
Marc-Antoine Roy7 April 2026Greg and his team are the best! I'm glad I found my forever broker :)Posted on Google
Jose Saul Argueta31 March 2026As first home buyers, the process of purchasing a home felt overwhelming at first, but from day one, Amanda made the entire journey smooth, clear, and genuinely stress‑free for our family. She took the time to explain every step in a way we could easily understand, always making sure we felt confident and informed before moving forward. Her communication was outstanding prompt, transparent, and reassuring, which made a huge difference, especially during critical moments. No question was ever too small, and we always felt supported and valued rather than just another client. What truly stood out was how seamless the whole experience felt. Behind the scenes, everything was managed efficiently and professionally, allowing us to focus on the excitement of buying our first home instead of worrying about the paperwork or process. The care, dedication, and expertise shown by the entire team made a potentially stressful milestone an incredibly positive one. We are extremely grateful for her guidance and would highly recommend Amanda to any first home buyers or families looking for a broker they can genuinely trust.Posted on Google
Cameron Logan31 March 2026Could not recommend Mardee and her team more, everyone was super efficient, kind and committed to giving us answers as soon as humanly possible. 👍🏽Posted on Google
Colin27 March 2026Top bloke and would not have nailed a deal at the right rate without Rob.Posted on Google
Matthew Tochterman26 March 2026Daniel is an excellent broker. Very professional and helpful through the whole process. I can’t recommend enough!Posted on Google
Hannah McHardy15 March 2026Daniel at 1st street was recommended to me by a friend. He was fantastic to work with while buying my first home. He made me feel like there were no “stupid questions,” always responded promptly, and communicated clearly about his availability. Daniel explained everything in a way that was easy to understand and was professional throughout the whole process. The service was excellent from start to finish. Highly recommend!Posted on Google
Mr Juicy12 March 2026Rob See has acquired loans for me with both my first home and now my first investment property, his knowledge of the property market and guidance towards making the right choices were invaluable.I Couldn’t thank him enough for his input and professionalism throughout the years . His now helping my good friend obtain her first property . Couldn’t recommend his services any higher .Posted on Google
Nicholas McMahon4 March 2026Kymberly was very helpful, polite and great to deal with. Her service couldn’t have been better.Posted on Google
Shai1 March 2026We HIGHLY recommend 1st Street! We had a fantastic experience working with the 1st Street team and specifically Jeremy for securing the mortgage for our first home. As first-home buyers, we went through multiple pre-approvals and changed our minds more than once, but Jeremy and the team were patient and stuck with us. When we first met with Jeremy, we sat down together and he clearly outlined our borrowing capacity and walked us through the entire process from start to finish. He took the time to explain our options in detail, ran through different scenarios and genuinely had our best interests at heart - it’s no wonder why you’re the Director and Founder :) Thanks Jeremy and team for guiding us through such an important milestone and sticking with us through the changes. We’re incredibly grateful and HIGHLY recommend 1st Street to anyone looking for a knowledgeable and reliable mortgage broker in Sydney.Posted on Google
Mikayla Maudsley25 February 2026Amanda was extremely supportive and knowledgeable in helping me to buy my first home. I would definitely recommend!!Posted on Google
Joshua Chikan25 February 2026Kymberly has helped our business secure finance for a number of commercial vehicles and in each instance her approach has been nothing short of extraordinary. Exactly the sort of person you want to have in your corner when you're time / attention poor and trying to move quickly!Posted on Google
montana watt18 February 2026Worked with Kymberly across multiple applications. Always such a pleasure and super quick at responding and chasing both parties. Could not recommend enough!Posted on Google
Andrew Adermann16 February 2026Cannot speak highly enough of Amanda and her invaluable help throughout our recent house purchase. Our scenario was quite complicated with a lot of moving parts, and throughout the whole process Amanda was unbelievable with her knowledge and always made time for us to keep us abreast of any updates. Her personable nature was such a calming presence throughout any meetings we had with her and the end result could not have been possible without her guidance. Would recommend Amanda to anyone willing to listen!Posted on Google
Johnny D10 February 2026Greg Bloom from 1st Street Financial is the mortgage broker anyone should be going to if you are in need of one. He was thorough, very welcoming and accomodating to my situation and always made sure I was on the same page as him. Not only that, but the advice he gave to me was great and felt very assured that what I was doing was the right thing as he took everything into account for my situation. Thanks to 1st Street Finanicial and Greg Bloom, I got my first property without any hiccups. I will definitely come back when I’m in need of your services again!Posted on Google
Melanie Gregan3 February 2026I can’t recommend Kym highly enough. She is absolutely incredible. From start to finish, Kym went above and beyond to support me through the entire process. Her professionalism, knowledge, and genuine care made all the difference during what can often be a stressful experience. Kym took the time to truly understand my situation, kept me informed at every step, and made sure I felt supported and confident in every decision. Her dedication and care were outstanding, and I will be forever grateful for everything she did for me. If you’re looking for a mortgage broker who is capable, compassionate, and genuinely committed to achieving the best outcome for you, Kym is the person you want by your side.Posted on Google
Jeric Filarmeo31 January 2026We highly recommend Kymberly. Her expertise and proactive approach were outstanding, securing the most cost effective loan for us. Kymberly's communication was clear and reassuring, keeping us updated and clarifying complex topics promptly. Her dedication and attention to detail ensured every requirement was handled efficiently, leading to a successful and on time settlement for our first property. We are incredibly grateful for her support.Posted on Google
Ant Munty29 January 2026My problem was unique and thought is was going to take forever to fix. But after one phone call I was very confident in going ahead with the process. Not even two days later it was fixed. It gave me piece of mind and I can not say thank you enough.Posted on Google
Anita Amorim28 January 2026Kym Rowles was an absolute pleasure to work with throughout my property purchase. From start to finish, she was incredibly clear, kind, and consistently on top of everything. Her communication was prompt and easy to understand, which made what could have been a stressful process feel smooth and manageable. Kym took the time to explain each step, answered all of my questions with patience, and genuinely cared about getting the best outcome for me. I always felt supported and well-informed, and I had complete confidence in her guidance. I’m very grateful for Kym’s help and wouldn’t hesitate to recommend her to anyone looking for a knowledgeable, reliable, and genuinely supportive mortgage broker.Posted on Google
Shani Chilibi23 January 2026Kymberly is an absolute professional. She helped me to get the best deal for my circumstances very quickly. I highly recommend her services to anyone who is looking for a great broker. Thank you!Posted on Google
Nik Paine20 January 2026Kymberly was Amazing and made the whole process from start to finish so easy and stress free. Highly recommend to anyone looking for great service and advice.Posted on Google
Stevie Snook14 January 2026Highly recommend Mitch Fing. He was responsive, knowledgeable and explained financial lingo well. He worked quickly to get the information we needed and found multiple options with great rates.Posted on Google
Dimi Baltas24 December 2025Justin B was absolutely brilliant in helping my wife and I refinance our mortgage. As well as completely professional, he was a clear communicator at all points of the process, and also has an amiable, personable chap to deal with. He's a godsend we'll turn to again one day.Posted on Google
Thomas Loader22 December 2025From start to finish, the entire process of dealing with Amanda was faultless. Amanda's knowledge and expertise not only helped put my mind at ease but were also key in getting the job done without any hiccups or surprises. Amanda was always available for updates, questions, or general chats. I can't thank you enough for making a stressful situation feel effortless. Thanks Amanda! 100/10Posted on Google
Jack Orr22 December 2025Mardee Blackwood & Anna Upton were absolutely amazing with arranging our first mortgage. Anna guided us through step by step, with genuine care, making what is a very overwhelming time feel more straightforward and stress free. Their knowledge and responsiveness gave us complete confidence when were amidst time pressures. We would highly recommend Mardee and Anna to anyone seeking professional mortgage advice.Posted on Google
Djari Emily Alexander17 December 2025Kymberley is so wonderful and supportive! Getting a loan was a breeze, and her communication was clear and consistent the whole way through. I highly recommend 1st Street both Kymberley and Dave Ryman are absolute legends!Posted on Google
Jessica Thurlow17 December 2025Rob helped us buy our first home and was so wonderful to deal with. We didn't make it easy, there were hurdles and uncertainty in what we even wanted. He was always available for my questions (and there were ALOT), he guided us through every step, every house I thought might be the right one, took a number of calls and always gave his honest thoughts. In the end we found our dream home and he made some serious magic happen for us as we had tight timeframes and conditions to meet! Thank you Rob for helping us secure our biggest achievement yet, your the best and from the Cassidy clan we thank you from the bottom of our hearts. From Jess, Sean and Archie.Posted on Google
MaRcus Cs11 December 2025Absolutely amazing experience with Kimberley. As a first home buyer who had no idea what they were doing, having someone in my court that could walk me through each step of the process in a clear and helpful way was a game changer. I couldn’t imagine having gone through the process without Kymberley and her guidance. Couldn’t recommend her enough.Posted on Google
Tegan Vincent5 December 2025Kymberly was amazing! Highly recommend! The process was so quick and easy, Kymberly searched for the best finance deal to suit my requirements, and she came up with the goods. The finance department at the dealership couldn't even come close to matching the deal I had in place. I contacted Kymberly on Tuesday and went to the dealership on Friday to purchase my new car. If you're looking for asset finance, don't do anything without speaking to Kymberly first! Thank you again.Posted on Google
Matt Wilson2 December 2025Justin has been fantastic to work through all the way through. He is clearly knowledgeable and takes all the time that is needed to make sure his clients understand the process, always in a very friendly manner. He is always quick to respond when you have questions or concerns. Is happily recommend Justin to anybody looking for a home loan.Posted on Google
Lauren Frawley2 December 2025Anna was absolutely AMAZING! We cannot speak highly enough of her. Anna worked tirelessly to get our Finance over the line in a very timeframe. She did everything possible to help us buy our first family home and we got it! Her customer service was exceptional and in the end, I felt like I was talking to a friend, not just a broker! Thank you Anna, we are beyond grateful, you were such an important part of our property journey.Posted on Google
tom seddon1 December 2025Kymberly was nothing short of amazing in helping me secure the finance for my first home. Her friendly approach and genuine desire to get me an outcome I was 100% happy with made the entire process far smoother and much less daunting than I anticipated. Kymberly walked me through every step and made sure I understood everything that was involved. Her knowledge went well beyond just arranging the bank loan, she guided me through all the little steps I wouldn’t have thought about otherwise. If you’re looking to buy your first property or need any help with home loans and mortgages, I highly recommend Kymberly.Posted on Google
Sage Wilder30 November 2025Kymberly was amazing! She went over and beyond helping me secure my car loan. Highly professional, friendly and supportive throughout the process. I highly recommend Kymberly - thank you for your outstanding help!Posted on Google
Rachael Belle Myers29 November 2025Working with David has been one of the best decisions I made during my home-buying journey. From the very beginning, he was open, honest, and incredibly clear about how the industry works and what my options were. He never pushed me in any direction. Instead, he walked me through every scenario so I could make informed decisions based on solid information. Throughout the entire process, David was consistently available to answer my (often random) questions, no matter how big or small. His support made everything feel less overwhelming, and I genuinely felt like he cared about helping me secure the best possible outcome. Because of his guidance and commitment, I was able to get my dream home. I would highly recommend David to anyone looking for a broker who truly puts their clients needs first. He’s knowledgeable, trustworthy, and genuinely invested in your success.Posted on Google
Joshua Smyth26 November 2025Justin was very helpful comparing and understanding loan options, and attentive to any queries. Very satisfied with the service.Posted on Google
AE25 November 2025I had an outstanding experience with 1st Street. From start to finish, they were knowledgeable, proactive, and genuinely committed to achieving the best outcome for me. Every question was answered clearly, nothing was ever too much trouble, and the entire process felt smooth and well-managed. What really stood out was their communication – consistent updates, clear explanations, and a level of care that made the whole journey stress-free. They took the time to understand my situation and provided tailored advice that truly made a difference. If you are looking for a mortgage broker who is professional, reliable, and goes above and beyond, I couldn’t recommend them more highly. An exceptional service from start to finish.Posted on Google
Renée Blij25 November 2025Exceptional Service and Genuine Care from Start to Finish Greg was recommended to me by a friend, and several people in our circle have also used his services — now I can see why! From our very first phone call, Greg was calm, reassuring, and made me feel completely confident about the process. He provided clear guidance on next steps, explained what to expect at every stage, and gave solid, informed advice that showed just how experienced he is. When it came time to sign my contract, Gretchen and Rome from his team stepped in and were equally amazing. They left no stone unturned during the settlement process, keeping me updated every step of the way and answering all my questions promptly. Their communication was clear, detailed, and always put me at ease. The final touches really showed how much they care — a personal call from Greg after settlement and a thoughtful congratulations chocolate hamper once I’d moved in. Such a sweet surprise! I have zero hesitation recommending Greg and the entire 1st Street team for anyone looking for a reliable, knowledgeable, and genuinely caring mortgage broker. They made my first home loan experience an absolute breeze.Posted on Google
Tara Browne17 November 2025Always an amazing service from Greg and the team. They hold your hand throughout the process and no question is too big or too small. Could not recommend them enough.Posted on Google
Paul Anthony Wallis5 November 2025My wife and I have purchased a number of properties through the years and have used various brokers in that time. Without any question, Melanie Imbruglia of 1st Street is the best broker we have ever engaged - on every count. her communication, efficiency, attention to detail, commitment and delivery, were all absolutely stellar. Melanie achieved a great outcome for us in a high pressure situation. We would not hesitate to recommend Melanie, and recommend her without reservation. Five Stars from us. Paul & RuthPosted on Google
Hannah Carter5 November 2025We’ve worked with several mortgage brokers over the years, and Mitch has been the best by far. Nothing was ever a problem, he provided excellent advice and smart options tailored to our unique situation. He’s incredibly knowledgeable, responsive, and a great communicator. It genuinely felt like he was part of our team, guiding us every step of the way. We couldn’t recommend him more highly.Posted on Google
Sam Chase Berry5 November 2025I would like to say a huge thanks to Mardee and Anna from 1st Street. We had found a property we loved and wanted to put an offer on, but had only just started the loan approval process. They both deserve a medal for taking all my calls and working so tirelessly to get a quick pre approval from the bank. My family are loving our new property and I believe we may have missed out getting it, if it wasn’t for their knowledge, expertise and close working relationship with the banks. If you are looking at getting a mortgage or refinancing a current mortgage, I highly recommending getting in touch with Mardee and Anna. Thanks again Sam, Danielle, Mia and EllaPosted on Google
luke logue2 November 2025Absolute exceptional professionalism and significantly reduced the stress of getting my first home loan. Advocates strongly for my partner and I based on our personal circumstances and achieved a result we were both happy with. Will be utilising these guys for the next property we buy and highly recommend to others. Thanks again!Posted on Google
Stephen30 October 2025Could not have had a better experience working with Kym to get my loan sorted. She was so dedicated and determined to get things done and of course came through. Highly recommend Kym and will be doing all my future finance through her. Thanks Kym your a legendPosted on Google
Jamie Kay30 October 2025To say they provide fantastic service is an understatement! From the emotional support, financial know how and well and truly going above and beyond, we could not have asked for anything more! Thank you for everything you did!!Posted on Google
Eimear Spruhan30 October 2025Anna made my refinancing experience seamless and stress-free. She was professional, proactive, and always kept me informed every step of the way. Thanks to her, I secured a great rate and a loan that fits my needs perfectly. Highly recommend her to anyone looking for a knowledgeable and trustworthy mortgage broker!Posted on Google
Brooke Emerson29 October 2025Anna has been so amazing in the process of refinancing my mortgage. She is extremely proactive and made the experience very seamless. Being a new homeowner can be overwhelming although Anna was there to answer all my questions and made me feel very supported. I will definitely be using Anna again for my future investments.Posted on Google
Mikaela Buettner28 October 2025A huge thank you to Kym, this was my first experience with a car loan and she made it seamless. Very kind, responsive and professional - highly recommend!Posted on Google
Hiromi Koral27 October 2025Amanda was amazing! As a single parent first time buyer, the process was daunting! I chose to build and it was an 18month process, yet she remained committed and was always available. We finally settled last week and she worked so hard to make sure I settled on time! Will definitely keep recommending her and will not hesitate to use her services again+0Posted on Google
Hiromi Koral27 October 2025Amanda has been nothing but amazing!!! She worked hard to get the right loan for me, as a first time homebuyer it has been a daunting and stressful process, yet she remained committed. Always answering my questions and calls!! Will definitely keep recommending her, I’m a customer for life 🙌Posted on Google
Kate Wilson22 October 2025Sarah is so knowledgeable, helpful and patient! Sarah was super efficient helping me buy my first house and is the first one I call when I need help with future ventures. Thank you SarahPosted on Google
Nigel Hart21 October 2025I recently worked with Amanda Saul from 1st Street Financial, and the experience was excellent from start to finish. Amanda has outstanding knowledge of all the fees, charges, and options involved, which made the whole process clear and stress-free. She provided access to a wide range of loans from both big and smaller lenders, ensuring I had the best choices available. Her communication was first class — always quick to respond, professional, and easy to reach. The process itself was seamless, with forms able to be completed remotely, saving a lot of time. The initial face-to-face meeting was informative and set everything up perfectly. Overall, the turnaround time was very quick, and everything went smoothly. We did 2 loans with Amanda, a refinance option and investment. I highly recommend Amanda for anyone looking for a knowledgeable, efficient, and friendly mortgage broker.Posted on Google
Jordy Lazarus17 October 2025We had the absolute pleasure of working with Kym to secure a car loan, and we couldn’t be more grateful for her help. From the very beginning, Kym made the entire process feel effortless and stress-free. She was not only professional and knowledgeable, but also genuinely kind, approachable, and incredibly efficient. Thanks to her, we were able to drive away happy, confident, and well taken care of. We highly recommend Kym to anyone looking for financing help—you won’t find better support anywhere else!Posted on Google
CY Family Holdings15 October 2025Thanks again to Greg and the team for getting another home loan for us! Highly recommendedPosted on Google
Gavin Headland15 October 2025Extremely helpful after a difficult buying situationPosted on Google
Caidy Sparkles13 October 2025As first home buyers, we could not have asked for a more patient, informative, kind, personable, and knowledgeable person to have on our team than Kymberly. After speaking with a couple of other brokers, we were feeling disheartened and confused about the process, until a friend recommended Kym. From our very first meeting, she made us feel comfortable and provided so much clarity around our options. Going 'above and beyond' doesn’t do her justice. She answered every question (at all hours), was proactive in reminding us of key dates, and made the entire loan application process simple and stress-free. And of course, she secured us a fantastic rate. We couldn’t recommend Kym more highly!Posted on Google
Kimberley O'Neill8 October 2025Amanda at 1st Street Financial was absolutely outstanding. She personally guided us through every step of securing our first property and went above and beyond to make the process smooth and stress-free. Her professionalism, clear communication, and genuine care made all the difference. We felt supported and informed from start to finish. If you're looking for someone who truly knows the industry and puts your needs first, Amanda is the one to trust. Highly recommend!Posted on Google
Mark Quising3 October 2025Amanda is amazing! That’s all you need to know!! About a year ago we set a goal to buy a property on the Gold Coast, We found Amanda and contacted her and instantly got a response and came to our home after hours to work around our schedule. We told her we are not ready to buy, but hoping to in about 6-8 months time, she set some structures for us and told us what we need, to afford what we wanted. Fast forward 8 months and we did it. With loads of back and forth and changes, We had five star ⭐️ service from Amanda, even replying on her holidays!! The whole process with her has been smooth sailing, always responding so quickly and has answers to all our questions, we’ve manage to pay all our debts off so we can go into the mortgage stress free, and we seriously couldn’t have done it without her! If you are looking for a broker look no further you would not be disappointed!! 100 🌟 🌟🌟🌟🌟🌟 Thank you Amanda, we couldn’t be happier with results!!Posted on Google
Lyn Granger30 September 2025We highly recommend Gretchen and her team at Ist street Financial. They helped us with multiple loan applications and refinance, Gretchen is very professional and full of knowledge in her field. She is very efficient, honest, and she always maintain good communication throughout the whole process.Posted on Google
ben toborek28 September 2025The service I received from Kymberly Rowles was professional, comprehensive, and informative. Kymberly presented finance options that were tailored to my specific needs. Her communication was on point and the turn around with contracts was quick. Highly recommend!Posted on Google
Woopy Enright25 September 2025Dave at 1st Street Financial is the most honest friendly broker out there. He genuinely wants to help you in every way possible. Couldn’t have asked for a better broker! I highly recommend him to anyone looking to buy a home. I will definitely be reaching out to him next purchase. ☺️+0Posted on Google
Tayla Penny24 September 2025I found Kymberly after a bad experience with another broker, and I’m so glad I did. From the very beginning, she made the whole process so much easier. She explained everything clearly, was patient with us as property newbies, and was always easy to contact and quick to communicate with. Buying our home was a far less stressful experience because we worked with her. Highly recommend!Posted on Google
Ryan Brill19 September 2025Outstanding Service I had an absolutely fantastic experience working with Yuval and Desmond throughout the mortgage process. From start to finish, they were professional, responsive, and incredibly knowledgeable. Yuval took the time to explain every step clearly, answered all my questions with patience, and made what can often be a stressful process feel smooth and manageable. Desmond was also a huge asset — always on top of the paperwork, quick to respond to emails, and just as committed to making sure everything went off without a hitch. The level of communication, transparency, and support from both of them was exceptional.Posted on Google
Holly Clemesha18 September 2025Sarah is amazing! We couldn’t recommend her enough She is so knowledgeable, thorough, efficient and takes her time to go over everything and make sure all our questions are answered. Thanks so much for helping us ❤️
