Financial
Roadmap
A clear, personalised path to your financial goals.
Lending
Secure lending solutions that match your needs, timing and financial position from application to settlement. Through our partnership with industry specialists, we help you navigate the lending process with advice that considers both your immediate goals and long-term financial plans.
Lending advice with your financial future in mind
We work with trusted lending specialists who take the time to understand your financial situation and personal priorities. Whether you’re buying a home, refinancing or investing further, we help you secure finance that truly meets your needs.
Our lending partner gives you access to a wide network of banks and institutions. They handle every step, from the initial application to settlement, while also providing clear advice and consistent support so you can move forward with confidence.
Comprehensive lending solutions
No matter where you are in your financial journey, if you require lending services, we’ll help you find the right fit. Our partner has built strong relationships with all major banks, but aren’t tied to a single provider, which allows them to offer competitive rates and flexible lending options.
Our partner can help you secure the following loan types:
- Residential home and investment loans
- Commercial property finance
- SMSF lending
- Bridging loans
- Motor vehicle and equipment finance
- Business and personal loans
A seamless lending process from start to settlement and beyond
Applying for finance doesn’t need to be stressful. Our lending partners manage the entire process on your behalf and will take care of paperwork, chasing approvals, and keeping you informed at all times. That means less admin for you and more time to focus on other important matters.
Even after settlement, they’re still here for you. If you need to review your loan down the track, or you’d like to refinance or plan your next financial move, they’ll give clear advice and ongoing support when you need it. They’re here to deliver lending advice that always puts your interests first and helps you make informed, confident decisions.
“Lending advice that aligns with your future - and a partner who stays with you beyond settlement.”
YOUR FINANCIAL JOUNEY
Building your financial future
Every client journey begins with a conversation. We look closely at where you are now, what matters to you, and what’s possible. Then we structure our advice to match.
Financial
Tax
Efficiency
Proactive strategies to maximise your tax savings.
Personalised
Investing
Tailored plans aligned with your goals and risk profile.
Ongoing
Support
Regular guidance to keep your plan on track.
CLIENT STORY
John
Life Stage:
Retired business owner
Background:
After decades of running a successful pharmacy, John sought financial guidance to simplify decision-making and support long-term planning.
- Navigated the sale of a long-held business
- Wanted simple, honest advice after burnout
- Needed a hands-on adviser he could talk to
- Desired financial guidance aligned with lifestyle goals
- Crafted a strategy that supports relaxed, post-work life
- Offered approachable, plain-English advice
- Maintained an ongoing, trustworthy relationship
- Provided flexibility with investments and cash flow
“I feel genuinely supported by First Financial. I can ask anything, and there’s no pressure, just clear advice and real care. The money’s growing, I’m not stressed about it, and I feel completely at ease for the first time. I don’t miss work, but I’d miss the support I get from First Financial.”
CLIENT STORY
Graeme and Craig
Life Stage:
Retired and semi-retired
Background:
Referred by friends helped through aged care, Craig sought secure financial guidance after inheriting funds.
- Invest inheritance securely without high risk
- Maintain a modest lifestyle with confidence
- Building trust for someone new to advice
- Accessible, personalised advice
- Provided a low-risk strategy with regular income
- Reassured with steady, market-aware updates
- Established trust through responsiveness and warmth
- Delivered calm, expert support through all transitions
“We feel very secure with First Financial, the income just comes in, and we know everything is being looked after. It’s not just safe, it’s smart. We’ve recommended them to others because we genuinely believe in the team.”
CLIENT STORY
Tim and Adam
Life Stage:
Early retirement and working professional
Background:
When Tim received an overseas medical settlement, he and Adam had just 14 days left in a 90-day window. They needed clear guidance, fast. A referral led them to First Financial.
- Only two weeks left to meet urgent legal and financial deadlines
- Wanted to preserve capital while setting up income for the future
- Needed a plan that supported both retirement and ongoing work
- Hoped to find advice that felt personal, not transactional
- Managed every moving piece, from legal documents to super rollovers
- Designed a strategy that supported both Tim’s retirement and Adam’s career
- Offered clear guidance with steady follow-through, with no stress or pressure
- Built in ethical investing and flexibility, without sacrificing performance
“We’re in totally different life stages, but First Financial built a strategy that supports us both. From urgent legal steps to ethical investing, they handled every detail with calm, care, and real expertise. It’s financial freedom without compromise, and we couldn’t have done it without them.”
CLIENT STORY
Lyn
Life Stage:
Retired widow
Background:
Lyn stepped into financial management for the first time after her husband's passing. With patience and care, First Financial supported her through grief, learning, and empowerment.
- Had never managed finances before
- Was overwhelmed after her husband’s passing
- Needed plain-English explanations and patience
- Sought emotional support and practical clarity
- Offered caring, respectful advice at her pace
- Rebuilt confidence with diagrams, stories, and reassurance
- Supported gradual decision-making around retirement
- Remained a trusted constant through major transitions
“After my husband passed, I was completely unsure where to start. First Financial gave me the space to learn, to ask questions, to grow confident. They drew a diagram that I still have. And now, I sleep well at night knowing I’ve got someone in my corner.”
CLIENT STORY
Jan
Life Stage:
Retired
Background:
Jan's husband managed the finances until entering aged care. Jan gradually stepped into the financial picture with First Financial’s support.
- Needed financial guidance after business sale
- Lacked experience managing complex finances
- Sought consistent income and long-term structure
- Wanted a familiar, reliable relationship
- Provided long-term support through several transitions
- Helped structure income reliably for retirement
- Empowered Jan through education and reassurance
- Delivered calm advice through both grief and growth
“The money just comes in. I don’t have to think about it. And I know they’re always there. They’ve always been there in the background, just quietly making things work.”
CLIENT STORY
Larry and Virginia
Life Stage:
Newly retired
Background:
As retirement neared, Larry and Virginia were ready to enjoy travel, family, and freedom, without uncertainty. A friend recommended First Financial, and from the first meeting, they had a clear plan, a safety net, and people they trusted.
- Wanted to travel and enjoy retirement without second-guessing finances
- Needed a structured income plan with buffers for the unexpected
- Valued guidance that felt honest and human, not overcomplicated
- Needed people they could call and count on
- Created a reliable income stream with a set-aside safety net for the unexpected
- Gave them the freedom to travel and spend meaningfully with family
- Kept advice simple, thoughtful, and tailored to what mattered to them
- Built a lasting partnership based on trust
“We’ve travelled the world, Europe, Sri Lanka, Vietnam, without once stressing about the money. They made everything feel simple and gave us the confidence to live well. We feel secure because we know exactly where we stand, and that peace of mind means everything.”
Frequently Asked Questions
What types of loans can you help with?
Our lending partners can assist with a wide range of loans including home and investment loans, commercial property finance, SMSF lending, bridging loans, vehicle and equipment finance, business loans and personal lending. They work across a broad network of banks and institutions to find the most suitable option for you.
Do I need to go through a specific bank?
No. They provide access to lending solutions from a diverse set of providers. That means they can explore a variety of competitive lending options and recommend what best suits your circumstances, not what suits the bank.
How involved will I need to be in the lending process?
Your lending specialist will handle the entire process from application to settlement, including paperwork and approvals. You’ll stay informed throughout, but we’ll take care of the legwork to make the experience as smooth as possible.
Can I review or change my loan later on?
Yes. Lending needs can shift as your financial situation changes. If you’re thinking about refinancing or making your next move, we’ll help you assess your options and adjust your loan accordingly.
What to expect
Introductory Call
Your first contact with us is typically through a phone call. We aim to understand your needs early on, address any immediate questions, and make sure we’re the perfect match.
Discovery Meeting
This meeting will be more in-depth, allowing us to thoroughly understand your situation, financial goals, and priorities. We will clearly explain our fees, so you know what to expect.
Strategy
We’ll take the time to analyse, evaluate, and develop strategies to determine an effective path to achieve your goals and address your priorities.
Recommendations
We take the time to go through your tailored plan, in a simple, straightforward manner. Our goal is to provide clarity and confidence, so you can see a clear path forward.
Implementation
Following your approval, our team will proactively guide the process to implement your recommendations and set you on the path to achieve your lifestyle and financial goals.
Partnership
Our partnership keeps you on track with regular check-ins, clear updates, and next steps. When life changes, we review and adjust your plan so it stays aligned to what matters.