Buying a home is one of the biggest financial decisions you’ll ever make, and Pennie is here to make the process as smooth and stress-free as possible

As someone who’s helped countless people achieve their homeownership dreams, I understand that every journey is unique. That’s why I take the time to listen, understand your goals, and find the right loan to suit your needs.

Whether you’re buying your first home, looking to refinance, or upgrading to something new, I’ll be by your side every step of the way. With my extensive experience and a personalised approach, I’ll guide you through the lending process, explaining everything in simple terms so you feel confident in every decision you make.

How I Can Help You:

  • First-Home Buyers: I’ll help you work out your borrowing capacity, secure pre-approval, and navigate any available government grants and incentives.

  • Refinancing: If you’re looking to lower your repayments or access equity, I’ll explore the best options to help you save money and achieve your goals.

  • Upgrading or Downsizing: Whether you’re moving into your dream home or looking to simplify, I’ll ensure the loan process fits your lifestyle and plans.

  • Investors : Looking to start or expand your property portfolio? I’m here to guide you through your options, help you understand the costs involved, and show you how to make the most of your existing property’s equity. For me, it’s not just about securing a loan—it’s about helping you create the future you’ve been working towards.

  • SMSF Lending : I specialise in SMSF lending and can guide you through the process with ease. Whether you’re purchasing a residential property for retirement or a commercial property to grow your business, I have the experience and expertise to help you achieve your goals while navigating the unique requirements of SMSF loans.

    I’d love to help you on your journey—get in touch today, and let’s chat about your home loan options.

Before meeting with Pennie your 1st Street mortgage broker it is worthwhile thinking about your goals and requirements so that your broker can recommend the most suitable product available to you.

 Is this your first home?

Before you start looking for a property, we can get you conditionally pre-approved. That way when you find your perfect place you can move quickly and with confidence. Pre-approvals generally last between 3-6 months depending on the selected lender.

 Are you planning to sell a property first or do you need bridging finance?

It can be difficult to time a buy and a sell perfectly and if you purchase a new property before selling your current property, 1st Street can arrange bridging finance to ‘bridge the gap’ until your property is sold.

 Are you purchasing an investment property?

A loan for an investment property may need to be structured differently to an owner occupier loan and your 1st Street Mortgage Broker can discuss the options available to you.

 How much can I afford to borrow?

A suitable home loan provides you with a good balance of being able to purchase a property and being able to comfortably meet the repayments. Your 1st Street Mortgage Broker will calculate your borrowing capacity with a borrowing power calculator based on your deposit, genuine savings, property equity, income, regular expenses and financial commitments.

You will be shown the associated repayment schedule for a range of loan amounts available and ultimately decide which amount suits you and your lifestyle.

Pennie will help you find the most suitable loan to suit your needs

With so many lenders and such a wide variety of loan products available, it can be difficult to know where to even begin. Depending on your requirements and your circumstances there are particular loans that most suit you.

To avoid you arranging meetings with several lenders, explaining your requirements and awaiting their response, Pennie, your 1st Street Mortgage Broker will do the research for you after just one simple and obligation-free meeting.