I already have an account and credit cards with my bank, why wouldn't I just go and get my loan through them?
Banks will only offer you one of their loans. If there is a better deal from another bank, they sure aren't going to tell you about it. So if you go to one bank, the best you could hope for is to get the best loan that they have.

Why would I use a mortgage broker instead of a bank?
There are a lot of lenders out there, and literally thousands of different home loan products. Who has time to go to every bank and lender and compare all of the rates, features and conditions? Then you have to choose ONE!

Mortgage brokers take care of all of that for you. They have relationships with many lenders, so they have up to date information about all the latest loan products, and they can compare these loans to find the best one for you, saving you time, money and a lot of stress.

or call
1300 884 944

Is FirstRock Mortgage Centre any different from a mortgage broker?
We are very different. Like brokers, we have access to many different lenders, and we can compare loan products, but at FirstRock Mortgage Centre.

That's the easy part. Where we really differ is in our service. We are here to give everyone a fair go, so you can trust us to help you.

I already have a loan, but a lot of people are talking about refinancing. How can I do this?
When done right, refinancing can save you literally THOUSANDS of dollars and YEARS off the term of your loan. FirstRock Mortgage Centre specialises in refinancing. We can show you how your current loan compares to a range of loans in the mortgage market. Chances are, we will be able to save you money, and help you repay your loan quicker.

Why would I want to refinance?
There are a lot of reasons to refinance your current home loan…

If you have multiple debts or loans, you can consolidate them into the one loan, saving you interest and a lot of hassles. If you are buying a new property, for example an investment property, you will need to ensure that your loan has all of the features and functions you require, which are a lot different to repaying a single property.

If you want to top up an existing home loan to make a purchase such as a new car or boat. Adding this type of purchase to your home loan will generally give you a lower interest rate and also reduces the hassle of having to manage multiple loans.

If you are dissatisfied with the service you are currently receiving from your bank, and like most people, you simply wish to enjoy a higher level of customer service.

If you are not happy with the interest rates, fees and charges that you are currently paying, and feel like there must be a better option (you are probably right!).

How can I calculate my loan repayments and how much I am able to borrow?
We provide these calculators for use by visitors to the FirstRock Mortgage Centre web site.

Is the Government still providing the First Home Owner Grant (FHOG)?
Yes they are. If you are purchasing or building your first property, and it is going to be your place of residence, you are entitled to the grant. It is for Australian citizens and permanent residents of Australia , and conditions apply. For more information, visit www.firsthome.gov.au

Is it true that FirstRock Mortgage Centre can process everything over the phone?
That's right. Most of the time we can take your application over the phone and actually go through the entire loan process via phone and mail. Most people are short on time, and travelling back and forth to the bank and queuing up is something that a lot of people simply can't fit into business hours (especially bank business hours!).

While we have the technology to do everything over the phone, you will still be dealing with one of our accredited relationship managers, so you can be sure you are receiving qualified, professional service, and you can talk to us at a time that is convenient for you.

Naturally, if you prefer, we can arrange for a mortgage broker to come and visit you at home or at work. For more information, give us a call on 1300 884 944, or click here to make an online enquiry.

or call
1300 884 944