FirstPoint Mortgage Brokers

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.

Everyone wants to be mortgage free.But it's getting harder - people are buying later, borrowing more and carrying their ...
25/06/2026

Everyone wants to be mortgage free.

But it's getting harder - people are buying later, borrowing more and carrying their home loans for longer, and a growing number expect to head into retirement with a mortgage still hanging around.
The good news? A few smart moves now can put you in a much stronger position later. Here's where we'd start:

• review your loan regularly - the one that suited you five years ago may not fit today

• don't assume your current lender is still your best option

• small, consistent extra repayments can make a big difference over time

• put your savings to work with an offset account

• change how often you repay - fortnightly instead of monthly can add up to an extra repayment a year

None of it is complicated - but the earlier you start, the more powerful the effect.
Read the full blog for the detail on each one. And if you want to map it out for your own situation, have a chat with the team at FirstPoint on 9527 2230.

23/06/2026

On Point with FirstPoint - Episode 9 is live

Troy and Chris are on the couches this time, and they cover a lot of ground - the Budget, interest rates, SMSF lending, tax debt, and why it’s getting harder for young people to get ahead.

It’s a good one whether you’re an investor, a business owner, or just trying to make sense of where things are heading.
Watch the full episode on YouTube, or listen on Spotify - search On Point with FirstPoint and hit follow.

Then if anything raises a question about your own situation, have a chat with the team on 9527 2230

22/06/2026

Troy’s Back on The Run Home. This week he was on with Fletch and shire legend, Chad Townsend (filling in for Joel) talking loans and the fallout from the Federal Budget.

On the agenda: what the Budget could mean for capital gains tax, for first home buyers, and for the market more broadly.

Troy has a way of cutting through the noise and explaining it straight - no spin - so if you want to make sense of what it all actually means, it’s worth a listen.

Have a listen, then if anything raises a question about your own situation, have a chat with the team at FirstPoint on 9527 2230

19/06/2026

A first home with no deposit? With a Family Guarantee, it may be possible.

In our First Home Buyers special, Chris and Ethan break down how it works - a family member uses equity in their property as security, which can mean borrowing up to 100% of the property value with no LMI.

There’s more to it than that - watch the full episode on On Point with FirstPoint.

Think it could work for your family? Call the team on 9527 2230

Service isn't just about getting a loan approved - it's about feeling supported and confident the whole way through.Here...
18/06/2026

Service isn't just about getting a loan approved - it's about feeling supported and confident the whole way through.

Here's what one of Jonathan's clients had to say:
"FirstPoint FirstClass!! Working with Jonathan and the team has been seamless from start to finish. They're easy to reach, always responsive, and take the time to explain things clearly... What really stood out was their ability to provide the right advice at the right time. It's clear they genuinely care about their clients and go above and beyond."

That's the standard we aim for at FirstPoint.

Looking for a broker who takes the time to get it right? Have a chat with Jonathan and the team on 9527 2230.

16/06/2026

How Commercial Lending Has Changed

Commercial lenders are adapting, and the shift has been significant.

Not long ago, commercial finance had a fairly hard ceiling. In many cases you could only borrow around 65% of the asset value.

Here’s what we’re seeing now:
• some lenders may go up to 90% LVR on commercial
• longer loan terms are becoming more available
• more appetite overall for deals that used to get knocked back

It’s a different space - unique, with its own rules, and it moves differently to residential. That’s exactly why it pays to have someone who lives in it day to day.

Over the past couple of years, FirstPoint have specialised in commercial lending. We know the lenders, the policies and how to structure a deal so it actually stacks up.

If you’re looking at commercial finance, have a chat with FirstPoint on 9527 2230

Petrol prices doing what petrol prices do - and more of our clients are making the switch.With running costs climbing an...
15/06/2026

Petrol prices doing what petrol prices do - and more of our clients are making the switch.

With running costs climbing and government incentives still available on some eligible electric vehicles, we're seeing more and more people opting for cars like the BYD. Lower fuel bills, lower servicing costs, and depending on your situation, some potential tax benefits worth exploring.

Here's Taylor, another happy client with her new BYD - financed quickly and structured properly through FirstPoint Asset Finance.

Thinking about going electric or hybrid? Have a chat with the team about what options may be available. Call us on 9527 2230.

12/06/2026

Same deposit. Different rules. Why?

In our First Home Buyers special, Chris and Ethan break down LMI Waivers - where some lenders may let certain professionals borrow up to 90% of the property value with no LMI, compared to 80% for most borrowers.

Who may qualify? Medical professionals (doctors, nurses, physios), legal and accounting professionals, and some bank employees. Lenders view these borrowers as lower risk.

For the right buyer, that could mean getting into the market sooner with a smaller deposit.

Watch the full episode on On Point with FirstPoint. Want to know if you qualify? Call the team on 9527 2230.

Quality service, outstanding results.Here's what one of Greg's clients had to say:"Quality service and always an outstan...
11/06/2026

Quality service, outstanding results.

Here's what one of Greg's clients had to say:
"Quality service and always an outstanding result. Thanks Greg and team for your commitment to delivering exceptional advice and making the process seamless from start to finish."

That's the standard we aim for at FirstPoint - clear advice and a process that runs smoothly the whole way through.

Looking for a broker who delivers? Have a chat with Greg and the team on 9527 2230.

09/06/2026

The First Home Buyers episode is live.

Buying your first home? This 25-minute chat with Chris and Ethan is where to start - the four lending pathways worth knowing about, straight up, explained simply.

Here, Ethan breaks down genuine savings and what actually counts.

Our full episode covers:
    •    NSW stamp duty concessions and the occupancy rules behind them
    •    The First Home Guarantee Scheme - 5% deposit, no LMI for eligible buyers
    •    The real numbers on an $800K and a $1M purchase
    •    How a family guarantee works, and when the guarantor is released
    •    LMI waivers up to 95% for eligible professionals, 90% for nurses

Everything you need to know before you start house hunting.
Watch or listen now - search On Point with FirstPoint on Spotify or YouTube and hit follow.

Thinking about your first home? Have a chat with FirstPoint. Call the team on 9527 2230

Address

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

Telephone

+61295272230

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