First Australian is a great alternative because we put you first - structuring your loan around your needs, rather than our requirements.  We’re not tied down by red tape and rigid policies of traditional lending.  Our focus is your need.  We are proud of our flexible approach to every situation, making sure we match our Client’s needs to what’s available.  Even within the tight financial conditions currently prevailing, our Clients are happy with the outcomes we produce.  We are committed to providing exceptional service to each of our Clients, to structure your loan to meet your immediate needs, but with the flexibility to cope with your changing circumstances - in the medium to long term.

We don’t claim to offer the “cheapest” interest rate because we know that the cost of any loan is determined by its structure, as well as all of the components charged to the borrower i.e. interest and ongoing fees.  Structure is critical in how much a loan actually costs the borrower.  Interest charged can be calculated using many different methods.  At First Australian we provide you with the most flexible loan facility to meet your changing circumstances and show you how to minimise the cost of the loan, including interest charged by simple, easy loan management techniques.  We charge interest on the daily balance of the loan [not the available balance] and we do not charge any ongoing fees. The loan structure is far more important than the interest percentage.

Importantly, because we are a boutique lender operating on a referral basis, we do not incur massive marketing and advertising costs, which would have to be recouped from our Clients.  Instead what we charge our Clients is kept to a minimum and is very competitive, because we operate extremely efficient management practices, with low overheads and minimal advertising costs.  We don't pay excessive salaries to senior staff, nor work in plush, extravagant offices.  Best of all, we don’t charge any ongoing fees!  We charge only what we have to - to provide you with the best possible service from the start, right through for the life of your loan.

Your First Australian Home Loan is even safer than a bank’s because your loan is not subject to any changes in policy set by faceless people in a different country. We don’t have shareholders pressuring us for higher and higher profits.  We don't reduce, or "call in" your loan because we are afraid that your circumstances might change. Instead, we have a personal commitment to each of our Clients, giving us the independence to run our business the way we want - working to set you free.  All our mortgages are held on your behalf by fully regulated, independent Australian Trustees and therefore cannot be varied, or “called in” by any “whim” on our part. Once a loan is settled with us - its set for the life of the loan.  Provided you make the minimum payments necessary, we do not review your circumstances, nor change the structure of your loan.  The mechanisms and the "checks and balances" we're built into our Mortgages are very, very safe - you have no cause to worry whatsoever - you are protected each step of the way!

There are many differences between Bank Loans and a First Australian Loan.  Immediately you start talking to us - you will experience the difference.  The average bank mortgage has a life of about 3.5 years - yet at First Australian most of our Borrowers are still with us.  This speaks for itself.  There are many differences - we're listed a few here.