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FirstPoint Mortgage Brokers As a Mortgage Broker, we compare hundreds of loans from over 20 different lenders and take the hassle out of finding the right loan for you.

Jonathan Harris and Chris Pryer represent a new generation of young savvy and entrepreneurial finance professionals, both being industry qualified Mortgage and Credit Advisers. They have 10 years experience covering all facets of the lending process; structuring and packaging Home, Investment and Commercial Loans. Their hands on approach with all transactions coupled with a refreshing and personable style of customer service will see your needs met and hopefully exceeded.

16/10/2026

In the latest episode of On Point with FirstPoint, Chris and Troy talk about where private lenders fit in development finance - and why it’s worth understanding what a lender is really set up to do before you sign anything.

They also get into why the banks can seem so cautious on building projects. They’ve been through it before, back in the late 80s and early 90s, and that history still shapes how they lend today.

If you’re funding a build or weighing up your options outside the banks, this one’s worth a watch.

The new episode is out now on Spotify and YouTube. Search On Point with FirstPoint and hit follow.

15/10/2026

From a three-bed red brick to two luxury duplexes in North Bondi

Greg Collins takes you through one of our latest funded developments - 21 Maclay Street, North Bondi in the first of this four part series.

When Tim and Jared first walked the site, it was a freestanding three-bedroom house on 630 square metres. Tim spotted the potential, the numbers stacked up against other sites they’d looked at, and the long block with its aspect towards the ocean gave them room to build something special.

Just over two years later, it’s two luxury duplexes.

This one wasn’t a bank deal. The project was privately funded, arranged by Greg and the team at FirstPoint.

Not every development fits neatly into a bank’s box. Sometimes the right funding structure is what gets a project moving.

Follow along for the rest of the series as Greg walks through the finished build with Tim and Jared.

If you’re looking at a development site and want to understand your funding options, have a chat with FirstPoint. Call us on 9527 2230.

13/10/2026

A year ago, you’d be up against 20 other buyers at an auction. Now you might be lucky to see one.

In the latest episode of On Point with FirstPoint, the team gets into what a buyer’s market looks like on the ground right now - more stock, fewer buyers, and why the unit space in particular could be worth a closer look.

Buying when the crowd has thinned out can feel uncomfortable at the time. The conversation is about why it may look very different a few years down the track.

The new episode is out now on Spotify and YouTube. Search On Point with FirstPoint and hit follow.

"Absolute legend and the broker you want in your corner."That's how one of Chris's first home buyers summed it up. Here'...
12/10/2026

"Absolute legend and the broker you want in your corner."

That's how one of Chris's first home buyers summed it up. Here's a bit more of what they had to say:

"He explained everything clearly, kept us updated and was always happy to answer our questions, no matter how small. Buying a home can feel overwhelming, but Chris made us feel supported and confident every step of the way."

That's what we aim for at FirstPoint - clear explanations, regular updates and a broker who's happy to take the small questions as well as the big ones.

If you're thinking about buying your first home and want to know where you stand, have a chat with Chris and the team. Call us on 9527 2230.

09/10/2026

The business overdraft that could beat an ATO debt

We’re seeing more small businesses take up overdrafts of up to $100K, and it’s often to stay ahead of the tax office.

Here’s why. The ATO charges interest on overdue tax debts, it compounds daily, and since 1 July 2025 it’s no longer tax deductible. Interest on a business overdraft generally is. So for many businesses, an overdraft may work out to be the cheaper way to manage cash flow than letting a tax debt sit.

It’s not a strenuous process either. In most cases lenders want to see:

12 months of trading history
Recent BAS statements
Your tax lodgements up to date

That last one is the catch. It’s far easier to get approved before you fall behind than after, which is why small business owners should be looking six months ahead, not waiting for the crunch.

Want to know what your business could access? Call FirstPoint on 9527 2230

Pay cash or finance it?You've got the money in the account and the business needs an $80K piece of equipment. Paying cas...
08/10/2026

Pay cash or finance it?

You've got the money in the account and the business needs an $80K piece of equipment. Paying cash feels like the smart move - no repayments, no interest, done.

But here's what that means. Once the cash is spent, it's gone. It's not there for wages, stock, a slow month or the opportunity you didn't see coming. And it's now tied up in an asset that's losing value from day one.

Finance it, and the cost is spread across the life of the asset while the $80K stays in the business doing its job.

Neither option is right for everyone. It depends on your cash flow, what's ahead in the next six to twelve months and how the finance is structured.

Weighing it up? Call FirstPoint Asset Finance on 9527 2230 and we'll work the numbers with you.

06/10/2026

Why renovations may be the new knock-down rebuild

Construction lending has dropped right off, and rates are only part of the story. Large construction loans are harder to get approved, and build costs have climbed to the point where the numbers on a new build often don’t stack up. When a tradie’s costs go up, that flows straight through to the quote.

So what are homeowners doing instead? Many who shelved the knock-down rebuild are looking at a different question: can we refinance, release $200K-$250K in equity, and finally do the renovation we’ve been putting off for years?

It’s a very different loan to a construction loan. Depending on your equity and the scope of work, it may be simpler to get approved and quicker to access the funds. But how it’s structured matters - and so does knowing what you can borrow before you call the builder.

Thinking about renovating? Call FirstPoint on 9527 2230 and we’ll walk you through your options.

Got a pre-approval? Here's what can quietly change it.Pre-approval isn't a ticket you've bought. It's a snapshot, it typ...
05/10/2026

Got a pre-approval? Here's what can quietly change it.

Pre-approval isn't a ticket you've bought. It's a snapshot, it typically lasts around 90 days, and a few things can change the number underneath you while you're still looking:

A new car loan, personal loan or buy-now-pay-later account
A credit card limit increase, even if you don't use it
Changing jobs or moving to contract or self-employed income
A few months of higher spending on your statements
The lender changing its policy

We're seeing buyers who started looking in winter still searching now, which means plenty of pre-approvals are rolling over mid-hunt. The worst time to find out yours has lapsed is after you've made an offer.

If it's more than a couple of months old, or anything's changed, have a chat with FirstPoint before you bid. Call the team on 9527 2230.

02/10/2026

Hanging on to your equipment longer than you’d like to?

Troy’s been talking to a lot of business owners in the asset and equipment space lately, and there’s a pattern. They know they need to upgrade the truck, the trailer, the van, the machinery. They’re just not sure it’s the right time to spend.

Fair enough. But there’s a smarter way to sit and wait, and it’s not doing nothing.

Troy gets into why having a pre-approved limit in place before you need it could change how you buy - especially if manufacturers start moving stock the way he thinks they might. He also touches on how a revolving limit works for businesses that buy gear regularly, and why it can be the difference between grabbing a good deal and watching it go.

Watch the full clip, then have a chat with FirstPoint Asset Finance about whether getting your limit sorted now makes sense for your business. Call the team on 9527 2230

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1A/19-21 Gerrale Street
Cronulla, NSW
2230

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+61295272230

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