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GUIDING YOU THROUGH
LIFE'S FINANCIAL JOURNEY We pride ourselves on our fast, professional and personalised approach.

We give best advice coupled with tailored simple and flexible finance & insurance solutions.

- Access to over 30 Major lenders means we are able deliver best interest rates, terms and conditions.
-Regulated by ASIC under the NCCP
-FBAA accredited member
-Credit and Investment Ombudsmen member

We look forward to forming a lasting and rewarding relationship with you, and perhaps most importantly, we look forward to helping you achieve your dreams.

03/09/2026

𝟰 𝘄𝗮𝘆𝘀 𝗮 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗹𝗶𝗻𝗲 𝗼𝗳 𝗖𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝗠𝗮𝗻𝗮𝗴𝗲 𝗨𝗻𝗲𝘃𝗲𝗻 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄

Most businesses experience periods where cash coming in does not perfectly line up with cash going out. A line of credit is one of the more flexible tools available to manage that gap. Here is how businesses commonly use one.

𝗖𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝗚𝗮𝗽 𝗕𝗲𝘁𝘄𝗲𝗲𝗻 𝗜𝗻𝘃𝗼𝗶𝗰𝗶𝗻𝗴 𝗮𝗻𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 - When customers are slow to pay, a line of credit keeps operations running without having to delay your own supplier payments or payroll.

𝗠𝗮𝗻𝗮𝗴𝗲 𝗗𝗲𝗮𝘀𝗼𝗻𝗮𝗹 𝗙𝗹𝘂𝗰𝘁𝘂𝗮𝘁𝗶𝗼𝗻𝘀 - Businesses with peaks and troughs in revenue can draw on a line of credit during quiet periods and repay it when trading picks up, rather than carrying a fixed loan year-round.

𝗙𝘂𝗻𝗱 𝗦𝘁𝗼𝗰𝗸 𝗼𝗿 𝗠𝗮𝘁𝗲𝗿𝗶𝗮𝗹𝘀 𝗮𝗵𝗲𝗮𝗱 𝗼𝗳 𝗮 𝗕𝘂𝘀𝘆 𝗣𝗲𝗿𝗶𝗼𝗱 - Buying inventory or materials before the revenue comes in is a common cash flow challenge. A line of credit bridges that timing gap without disrupting working capital.

𝗛𝗮𝗻𝗱𝗹𝗲 𝗨𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗖𝗼𝘀𝘁𝘀 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗗𝗶𝘀𝗿𝘂𝗽𝘁𝗶𝗻𝗴 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 - Equipment repairs, urgent supplier payments, or a short-term staffing need are easier to manage when there is a facility available rather than scrambling for funds at short notice.

A Finance Broker can help you compare your options across lenders offering business lines of credit.

02/09/2026

𝗧𝗮𝘅 𝗥𝗲𝗳𝗼𝗿𝗺𝘀 𝗮𝗻𝗱 𝗜𝗻𝗱𝘂𝘀𝘁𝗿𝗶𝗮𝗹 𝗦𝘁𝗿𝗲𝗻𝗴𝘁𝗵 𝗗𝗿𝗶𝘃𝗲 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗥𝗲𝘀𝘂𝗹𝘁𝘀

Commercial property yields showed mixed results, with industrial remaining the strongest performer as demand stayed high and yields tightened across most cities. Sydney and Melbourne recorded the lowest industrial yields at 4.2%.

Office and retail performance varied by city, while retail yields also tightened nationally. Brisbane offered the highest yields, at 5.2% for industrial, 6.8% for office and 7.9% for retail. Recent tax changes may also support future commercial property demand.

01/09/2026

𝗘𝗺𝗽𝘁𝘆 𝗢𝗳𝗳𝗶𝗰𝗲𝘀 𝗮𝗿𝗲 𝗳𝗶𝗹𝗹𝗶𝗻𝗴 𝘂𝗽 𝗮𝘀 𝗥𝗲𝗺𝗼𝘁𝗲 𝗪𝗼𝗿𝗸 𝗠𝗼𝗺𝗲𝗻𝘁𝘂𝗺 𝗦𝗹𝗼𝘄𝘀

Australia’s office market is showing signs of recovery, with new Property Council data confirming that companies are leasing more space across the country’s major cities.

Sydney’s vacancy rate has edged down to 13.3 per cent over the past six months, with net absorption of 18,715 square metres over the period to July, more than double the long-term average of around 8,000 square metres.

The recovery is being driven by companies upgrading into better quality space, attracted by competitive rents and landlord incentives including rent-free periods and fitout contributions.

Melbourne’s vacancy rate remains elevated at 18.9 per cent, but demand from companies for office space in the city was among the highest of any capital.

With new office development remaining uneconomic at current construction costs and interest rates, commercial agents are forecasting vacancy rates to fall further from next year as supply stays thin.

If you are considering commercial property, a Finance Broker can help you compare your options across a range of commercial lending products.

31/08/2026

𝗦𝗵𝗼𝗽𝗽𝗶𝗻𝗴 𝗖𝗲𝗻𝘁𝗿𝗲𝘀 𝗟𝗲𝗮𝗱 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗕𝗼𝗼𝗺

Australia’s retail property sector remained the strongest-performing commercial property sector, with $13 billion in transactions, or 42% of the nation’s $31.3 billion total.

Shopping centres, particularly regional centres, attracted strong investor demand, with $5.6 billion in transactions and yields tightening to 5.8%.

Private capital led retail acquisitions with $4.3 billion, while the average deal size increased 66% to $124 million. JLL expects demand to remain strong, supported by limited supply, growing investor competition and increasing interest from international buyers.

30/08/2026

𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲 𝗼𝗻 𝘁𝗵𝗲 𝗣𝗮𝘁𝗵 𝘁𝗼 𝗥𝗲𝗰𝗼𝘃𝗲𝗿𝘆

Australia’s commercial real estate market is showing clear signs of recovery, with MSCI’s latest Australia Capital Trends report confirming a clear improvement in the second quarter of 2026.

The market recorded $11.7 billion in property transactions over the quarter, sitting five per cent above the ten-year second-quarter average and representing a significant turnaround from the 17 per cent fall recorded in the first quarter.

Domestic investors are driving the recovery, contributing $8.6 billion for the quarter, up 33 per cent year-on-year, offsetting a pullback in offshore capital.

Industrial and hotel assets led sector performance, with industrial recording a 64 per cent year-on-year increase and hotels more than tripling.

If you are considering commercial property, a Finance Broker can help you compare your options across a range of commercial lending products.

29/08/2026

𝗪𝗵𝘆 𝗢𝗹𝗱𝗲𝗿 𝗖𝗮𝗿𝘀 𝗮𝗿𝗲 𝗛𝗮𝗿𝗱𝗲𝗿 𝘁𝗼 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗮𝗻𝗱 𝗛𝗼𝘄 𝘁𝗼 𝗱𝗼 𝗶𝘁 𝗥𝗶𝗴𝗵𝘁

Financing an older vehicle is a common goal, but it comes with a set of challenges that do not apply in the same way to newer cars. Whether you are looking at a classic, a well-priced second-hand workhorse or a higher-kilometre vehicle, understanding why lenders treat older cars differently puts you in a much better position to find finance that works.

𝗛𝗲𝗿𝗲 𝗶𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄.

𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗹𝗲𝗻𝗱 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗮𝘀𝘀𝗲𝘁

When a lender finances a vehicle, the car itself acts as security for the loan. If you stop making repayments, the lender can repossess and sell it to recover the debt. The older and higher-kilometre the vehicle, the less confidence a lender has that it will hold sufficient value over the loan term to cover the outstanding balance if things go wrong. This is why age and kilometre limits exist, and why they tighten as vehicles get older.

𝗧𝗵𝗲 𝗮𝗴𝗲 𝗹𝗶𝗺𝗶𝘁 𝗮𝗽𝗽𝗹𝗶𝗲𝘀 𝗮𝘁 𝘁𝗵𝗲 𝗲𝗻𝗱 𝗼𝗳 𝘁𝗵𝗲 𝗹𝗼𝗮𝗻, 𝗻𝗼𝘁 𝘁𝗵𝗲 𝘀𝘁𝗮𝗿𝘁

This is one of the most commonly misunderstood aspects of older car finance. Most lenders set a maximum vehicle age at the end of the loan term, not at the point of purchase. A lender with a fifteen-year end-of-term limit would allow a ten-year-old car to be financed over five years, but not over six. As the vehicle ages, the available loan term shortens, which pushes up the monthly repayment even if the purchase price is relatively modest.

𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲𝘀 𝗮𝗿𝗲 𝘁𝘆𝗽𝗶𝗰𝗮𝗹𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 𝗳𝗼𝗿 𝗼𝗹𝗱𝗲𝗿 𝘃𝗲𝗵𝗶𝗰𝗹𝗲𝘀

Because older vehicles carry more risk as security, lenders price that risk into the interest rate. The rate offered on a ten-year-old car can generally be higher than the rate on a two-year-old model of similar value. The gap varies between lenders, which is one reason why comparing options across multiple lenders is particularly important for older vehicle finance. The difference in total interest paid over the loan term can be meaningful.

𝗡𝗼𝘁 𝗮𝗹𝗹 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝘄𝗶𝗹𝗹 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗲𝘃𝗲𝗿𝘆 𝘃𝗲𝗵𝗶𝗰𝗹𝗲

Some lenders simply will not finance vehicles beyond a certain age or kilometre threshold, regardless of the borrower's financial profile. Others will consider older vehicles but with shorter terms, higher rates or a larger deposit requirement. The range of lender policies on older vehicles is considerably wider than for new cars, which makes knowing which lenders are likely to consider your specific vehicle an important first step before you apply.

A Finance Broker experienced in used car lending can help you compare your options.

28/08/2026

𝟰 𝗦𝗶𝗴𝗻𝘀 𝗶𝘁 𝗺𝗶𝗴𝗵𝘁 𝗯𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗥𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘆𝗼𝘂𝗿 𝗖𝗮𝗿 𝗟𝗼𝗮𝗻

Most people set up a car loan and forget about it. But what you got when you purchased the car may not be competitive now. Here are four signs it could be worth reviewing.

𝗬𝗼𝘂 𝘁𝗼𝗼𝗸 𝗶𝘁 𝗼𝘂𝘁 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗮 𝗬𝗲𝗮𝗿 𝗔𝗴𝗼 - Lender competition and your own financial position can both shift significantly in twelve months. A loan that was competitive when you signed it may no longer be.

𝗬𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻 𝗵𝗮𝘀 𝗜𝗺𝗽𝗿𝗼𝘃𝗲𝗱 - If your credit score has strengthened or your income has increased since you first borrowed, your options might have changed.

𝗬𝗼𝘂 𝗚𝗼𝘁 𝘆𝗼𝘂𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘁𝗵𝗲 𝗗𝗲𝗮𝗹𝗲𝗿𝘀𝗵𝗶𝗽 - Dealer finance is convenient but rarely the most competitive option. If you accepted it at the time without comparing, it is worth checking what else is available.

𝗬𝗼𝘂𝗿 𝗙𝗶𝘅𝗲𝗱 𝗧𝗲𝗿𝗺 𝗶𝘀 𝗘𝗻𝗱𝗶𝗻𝗴 - If your loan is coming to the end of a fixed-rate period, it’s worth reviewing your options before it rolls over.

𝗔 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗕𝗿𝗼𝗸𝗲𝗿 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝘆𝗼𝘂𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝗮𝗰𝗿𝗼𝘀𝘀 𝗮 𝗿𝗮𝗻𝗴𝗲 𝗼𝗳 𝗰𝗮𝗿 𝗹𝗼𝗮𝗻 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀 𝘁𝗼 𝘀𝗲𝗲 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗺𝗮𝗸𝗲𝘀 𝘀𝗲𝗻𝘀𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻.

27/08/2026

𝟱 𝗧𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗞𝗻𝗼𝘄 𝗯𝗲𝗳𝗼𝗿𝗲 𝗔𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗟𝗼𝗮𝗻 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗙𝗶𝗿𝘀𝘁 𝗧𝗶𝗺𝗲

Personal loans can cover major expenses or consolidate debt, but first-time borrowers should understand the process before applying.

𝗦𝗲𝗰𝘂𝗿𝗲𝗱 𝗮𝗻𝗱 𝗨𝗻𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗟𝗼𝗮𝗻𝘀 𝗪𝗼𝗿𝗸 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗹𝘆

Personal loans are either secured, backed by an asset and usually offering lower rates, or unsecured, with no asset required but typically higher rates. Choose based on your financial situation.

𝗧𝗵𝗲 𝗔𝗱𝘃𝗲𝗿𝘁𝗶𝘀𝗲𝗱 𝗥𝗮𝘁𝗲 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗥𝗮𝘁𝗲 𝘆𝗼𝘂 𝗮𝗿𝗲 𝗢𝗳𝗳𝗲𝗿𝗲𝗱 𝗺𝗮𝘆 𝗗𝗶𝗳𝗳𝗲𝗿

Advertised rates are often for borrowers with strong credit and stable income. Your actual rate depends on your financial profile, so compare the personalised offers you receive.

𝗘𝘃𝗲𝗿𝘆 𝗔𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗹𝗲𝗮𝘃𝗲𝘀 𝗮 𝗠𝗮𝗿𝗸 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗖𝗿𝗲𝗱𝗶𝘁 𝗙𝗶𝗹𝗲

Compare options first to avoid multiple credit applications affecting your credit file.

𝗙𝗲𝗲𝘀 𝗺𝗮𝘁𝘁𝗲𝗿 𝗮𝘀 𝗺𝘂𝗰𝗵 𝗮𝘀 𝘁𝗵𝗲 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗥𝗮𝘁𝗲

Look beyond the interest rate. Fees can increase the total cost, so compare loans using the comparison rate for a clearer picture of the overall cost.

𝗕𝗼𝗿𝗿𝗼𝘄 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱, 𝗻𝗼𝘁 𝘁𝗵𝗲 𝗺𝗮𝘅𝗶𝗺𝘂𝗺 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗴𝗲𝘁

Borrow only what you need to keep repayments and interest manageable.

A Finance Broker can compare lenders and loan options to help you find what suits you.

26/08/2026

𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗔𝗽𝗽𝗿𝗼𝘃𝗮𝗹𝘀 𝗵𝗶𝘁 𝗮 𝗙𝗶𝘃𝗲-𝘆𝗲𝗮𝗿 𝗛𝗶𝗴𝗵

Building approvals for detached houses reached their highest monthly level since August 2021, according to ABS data cited by the Housing Industry Association.
Detached house approvals rose 1.1 per cent in June to 10,870, while multi-unit approvals jumped 17.7 per cent to 7,460.

Across the full 2025-26 financial year, 121,140 detached houses were approved nationally, up 7 per cent on the prior year.

Western Australia led the states for annual detached house approval growth at 11 per cent, followed by New South Wales at 10.5 per cent and Queensland at 8.6 per cent. For multi-unit approvals, Queensland was the standout with growth of 49.6 per cent for the year.

HIA cautioned that housing affordability is at its worst levels in more than 30 years, calling on policymakers to reduce the cost of home building rather than add to it.
For buyers and investors looking to get into the market, a mortgage broker can help you compare your options.

25/08/2026

𝗗𝗮𝗿𝘄𝗶𝗻 𝗘𝗺𝗲𝗿𝗴𝗲𝘀 𝗮𝘀 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮'𝘀 𝗦𝘁𝗿𝗼𝗻𝗴𝗲𝘀𝘁 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗠𝗮𝗿𝗸𝗲𝘁

Darwin is Australia’s standout property market, with house prices up around 16% and units up 13% over the past year—the only major city recording strong growth.

Key drivers include resources, defence and infrastructure investment, including the $6B Barossa LNG project and planned $8.2B defence spending. Darwin’s rental market is also among Australia’s tightest, with record-low listings and rapidly rising rents.

With population growth outpacing housing supply, prices and rents are expected to keep rising, although growth is likely to moderate.

Address

111/470 St Kilda Road, Melbourne
Prahran, VIC
VIC3004

Telephone

+611300731864

Website

http://www.firstselectfinance.com.au/

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