Mortgages & Lending Services

Considered advice that looks beyond the loan, to where you want to go.

Why It Matters

Most people start a conversation with a lending broker with one question:

“What’s the best loan I can get?”

It’s an important question. But it’s rarely the only one worth asking.

The right loan depends on what you’re trying to achieve, how the repayments fit within your cash flow, the flexibility you may need later, and how the borrowing affects the rest of your financial position.

Whether you’re buying a home, refinancing existing debt, investing in property or funding a business – good lending advice looks beyond the money.

At You First, we help you understand your options and consider how each lending decision fits into your broader financial strategy.

Because the right loan isn’t simply the one you can get approved for.

It’s the one that makes sense for where you’re going.

Our Approach

Home Loans

Helping you make a considered decision about one of life’s biggest purchases.

Buying a home is exciting, but there are also plenty of decisions to make along the way.

How much should you borrow?

How much deposit will you need?

Should your loan be fixed, variable or a combination of both?

Whether you’re buying your first home, moving to accommodate a growing family, renovating or simply reviewing your existing loan, we help you understand the options available and what they mean for you.

Because the amount a lender is prepared to offer and the amount that comfortably fits your life are not always the same thing.

We can assist with

Service

Refinancing & Debt Consolidation

Reviewing whether your current lending still works for you.

A loan that suited you five years ago may not be the right loan for you today.

Interest rates change. Income changes. Families grow. Businesses evolve. And sometimes debts accumulate across different loans, credit cards or facilities.

Refinancing or consolidating can provide an opportunity to review what you already have and consider whether there is a better way to structure it.

But rather than simply asking, “Can we refinance this?”, we prefer you ask:

“Will refinancing put me in a better position for the future?”

We can assist with

Our Approach

Property Investment Lending

Making sure the finance supports the investment.

When purchasing an investment property, it is easy to focus on the property itself. But how you finance that property matters just as much.

There are questions around deposits, available equity, lender valuations and how the new lending interacts with loans you already have.

And because property investment can overlap with tax, accounting and broader wealth planning, these decisions are often best considered together.

At You First, lending does not have to sit in a separate box.

Our lending, tax, accounting and financial planning teams can work together to help you see how the different pieces fit.

We can assist with

Service

Business Loans & Commercial Lending

Finance should support the business, not become a burden on it.

There are many reasons a business may need finance. You might be purchasing equipment, buying commercial premises, acquiring another business, managing working capital or funding the next stage of growth.

Whatever the reason, the first question should always be: “What are we trying to achieve?”

This is where our wider approach can be particularly valuable. Through our Business Advisory and Tax & Accounting services, we can help you consider the lending alongside the structure and financial position of the business rather than looking at the loan in isolation.

We can assist with

Our Approach

More Than Finding a Loan

A lending broker can help you understand your options, and navigate them.

But we believe the conversation should go further.

The lowest interest rate may be important, but it is not the only consideration. Loan structure, fees, repayments, flexibility and the ability to adapt as your circumstances change can all matter.

Most importantly, borrowing should have a purpose.

You may be buying your first home, refinancing to improve your financial position, investing in property, consolidating debt or borrowing to grow a business.

Each situation is different.

That is why we start by understanding what you are trying to achieve before looking at the lending options available.

Because finance is a tool. It isn’t the destination.

Lending is Part of Your Bigger Picture

Your financial decisions are connected.

A home loan affects your cash flow.

Your cash flow can influence your ability to save, invest or prepare for retirement.

Business lending can affect both the business and the owner’s personal financial position.

Property lending can overlap with tax, accounting, investment decisions and longer-term planning.

Through our One Stop Desk™ approach, we bring this all together into one connected strategy. It means your lending decisions are not being made in isolation.

They are being considered as part of the bigger picture.

FAQs

Why should I use a lending broker?

A lending broker can help you understand the options available from different lenders and guide you through the application process. At You First, we also look at how the borrowing fits within your broader financial position and what you are ultimately trying to achieve.

How much can I borrow?

The amount you can borrow will depend on your circumstances, including your income, expenses, existing debts, available deposit or security and the lender’s assessment criteria. But borrowing capacity is only part of the conversation. It is also important to consider what level of borrowing is comfortable and sustainable for you.

What is an Enduring Power of Attorney?

Yes. We can review your existing home loan and explore refinancing options where appropriate. This includes considering interest rates, fees, loan features, repayments and loan terms — not simply whether another lender is offering a lower advertised rate.

Can you help with debt consolidation loans?

Yes. Depending on your circumstances, consolidating multiple debts may make your finances simpler to manage. However, changing the structure or term of a debt can affect the total amount of interest you pay over time. We help you understand those considerations before deciding whether debt consolidation is appropriate for your situation.

Do you help with investment property loans?

Yes. We can assist with investment property lending, refinancing, equity considerations and loan structures. Where appropriate, we can also consider the lending alongside your broader tax, accounting and financial planning position.

Can you help with business loans and commercial loans?

Yes. We can assist with business loans, commercial lending, equipment and asset finance, commercial property lending, business acquisitions, refinancing and funding for business growth. Because You First also provides business advisory, tax and accounting services, we can consider the lending requirement within the broader context of your business.

Start With The End In Mind

A loan can help you buy a home, invest in property, simplify existing debts or take the next step in your business. But borrowing is rarely the end goal.

What matters is what the finance allows you to do — and whether the decision you make today supports where you want to be in the years ahead.

If you’d like clarity around your lending options, we’re always happy to have a conversation.