We are here to give you a lending hand

I want to buyI want to refinance

Throughout your home loan process you will have contact with just one 1st Street Mortgage Brokers to ensure a personalised, consistent and thorough service.


  1. The initial meeting

    This meeting will take place at a time and location of your convenience. We are happy to meet with you during or after business hours at your home or workplace, at our office or via Zoom (or similar). Your goals and requirements will be paramount and your broker will answer any questions you may have.

    Your 1st Street mortgage broker will assess your borrowing capacity, show you potentially suitable lenders and provide a repayment schedule which also shows the effect of interest rate changes. Your broker will then outline the loan process from start to finish and let you know which supporting documents are required if you choose to proceed with your application.

  2. Pre approval

    If you are looking to purchase a property, your 1st Street Mortgage Broker will collect the supporting documents from you, complete all the paperwork and apply for pre-approval on your behalf from the most suitable lender. If you are refinancing, 1st Street has access to lenders property valuation platforms to speed up the loan process.

  3. Formal approval

    Once you find a property to purchase, or proceed with a refinance, your 1st Street Mortgage Broker will collect any additional relevant supporting documentation from you, arrange a property valuation and request Formal Approval. The lender will evaluate your application and when satisfied they will offer Formal Approval, also known as Unconditional Approval.

  4. Exchange contracts

    The process to exchange contracts is when you and the vendor both sign and exchange copies of the contract of sale. It is at this point that the contract becomes legally binding. This process is completed by your real estate agent, or legal representative.

    Upon exchanging contracts, you will be required to pay a deposit usually 10% of the purchase price. In some instances a 5 day cooling off period may be negotiated. This means that the purchaser can change their mind and decide not to go ahead with the purchase. If you decide to withdraw for whatever reason, you must inform the vendor in writing, and the deposit will be returned. However, the vendor may be entitled to retain up to 0.25% of the purchaser’s deposit. This may vary depending on the type of purchase, the contract and the state or territory you are in.

  5. Loan contracts and mortgage documents

    Once Formal Approval has been granted the lender will issue loan contracts. Your 1st Street Mortgage Brokers will go through these with you and you may also like to seek independent legal advice.

  6. Settlement and purchase

    Settlement usually takes place six weeks after exchange unless negotiated otherwise. On settlement day, funds will be transferred by arrangements between your lender and legal representative to the vendor of the property you have purchased and the property will be yours. Your legal representative will instruct you prior to settlement of any monies you also need to make available on settlement.

    Your 1st Street Mortgage Broker will keep in contact with your lender, legal representative and real estate agent to ensure that settlement date is met . After settlement, you will be notified by your lender of upcoming repayment arrangements and your 1st Street Mortgage Broker will remain in touch to ensure that everything proceeds as you expected



Are you a first homebuyer looking for


We can help get you into your new home.

We’ve worked with clients across Australia to access the different first home owner grants (FHOG) as well as the various stamp duty and other concessions that may be available depending on which state you are in. We can talk you through your various options as well as helping you compare things like buying vacant land vs. an established home.

Enquire today!

your numbers

Use our online calculators to work out how much you can borrow, loan repayments, stamp duty and lots more.

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With 40+ lenders to choose from, the options are never ending!

A word from our satisfied customers

Maxine Zhong
Maxine Zhong
19 October 2023
Amanda has been such an incredible support throughout our very first time going through the home loan process. Her thoughtfulness to regularly check in to make sure all our questions were answered and that all our documents were in place helped to make the whole daunting process feel seamless and easy. I could not recommend her enough - she made sure to keep us informed every step of the way and made sure all necessary documents/processes were completed well ahead of time so we never had to worry about missing any steps. She went well above and beyond her role, and I know we will definitely be coming back to her in the future, as well as recommending her to all of our networks! Thank you again, Amanda!
Mark Nesbitt
Mark Nesbitt
11 October 2023
Greg and the team provide an outstanding service. Highly recommended
Christine Tran
Christine Tran
23 September 2023
Yuval handled my first ever home loan, he did such an amazing job I asked to him to refinance for me 2 years later. Yuval made everything very easy for me, and will give his best recommendation as if it was his own. Would always recommend Yuval :)
David Petrini
David Petrini
25 August 2023
Yuval Bloomfield was an absolute delight to work with. He made it extremely easy for my clients to discuss about their financial situation. With Yuval's strong connections he was able to get the loan my clients wanted in very quick time. Will definitely refer Yuval again.
Sophie Linehan
Sophie Linehan
24 August 2023
Greg and the team at 1st Street were fantastic all the way through the process of getting our financing sorted and buying a new home. They not only secured us the most competitive mortgage in the market but they also gave advice on a number of mortgage-adjacent questions that came up along the way. Their responsive and thoughtful guidance helped make the nail-biting process clear and calm. We would definitely recommend their services.
Gabrielle Scott-Jones
Gabrielle Scott-Jones
18 August 2023
Greg and his team gave me exceptional advice and support. They were timely and detailed in their responses and dealt patiently with me as a first home buyer and all of my questions. The lender at the bank commented on how well I was being looked after compared with other brokers in the market. I’d highly recommend 1st Street to anyone, including friends and family.
Eli Simic
Eli Simic
15 August 2023
Great communication and fast service
Richard Kuipers
Richard Kuipers
11 August 2023
Jeremy and his team are superb. Negotiated the best deal for us and were an absolure pleasure to work with. Highly recommended, you can't do any better in my opinion.
Jordan Rivkin
Jordan Rivkin
1 August 2023
The team at 1st Street truly are professionals. I can't recommend Jeremy highly enough, he is extremely competent and just a great guy. You're in safe hands with 1st Street!
Yossi Bengida
Yossi Bengida
23 July 2023
Another amazing job by David and Bree. Always available for our questions, helpful and just 10/10 Seriously good work !! See you on the next one :) Yossi and liz