We are FirstPoint

With a focus on community from our roots at Cronulla FirstPoint has grown to cover all of Southern suburbs, St George, Sydney CBD and the Inner West

Our founders have years of experience in banking, finance and property markets, we’re a company whose mission is to truly improve your financial health, by letting us find the best home loan for you is just the start.

You'll realise from your first meeting that from the way we do business to our quirky corporate culture we are a different kind of mortgage broker.  Plan on dropping into one of our offices or just call us.  We’d love to help you.


No surprises, just mortgage broking in your best interest

As a Mortgage Broker we compare hundreds of loans from over 20 different lenders. We can take the hassle out of finding the right loan for you, help with the paperwork and anything else you might have on your mind.

FirstPoint is about helping YOU make the best decision when you want to borrow money for your home, investment property, refinance or a loan for your business or a commercial property. We’d like to help you chase those bigger dreams in life, you’ll work that out from the way we do business.


FirstPoint prides itself on providing innovative financial solutions for our customers.


We have been working in the home loan and mortgage lending space for many years.  We listen to our clients, review individual circumstances and provide them with options that will allow them to practically manage their debt.  Our goal is to save them both time and money.


No one is perfect but FirstPoint is as close as you will get to having the ultimate mortgage lender and broker working for you to provide the best possible outcome for your situation.

Our Lenders


There’s no shortage of remarkable ideas, what’s missing is the will to execute them.

— Seth Godkin —

Our Team

We value and support our people as a competitive advantage.  We strive to attract, develop and motivate the most talented and passionate people we can find, people who care and who work together as partners across the business.  We provide them with the tools and training they need to succeed in their work, and we want them to be responsible for their businesses and functions, we expect their best, so should you. The reason we wake up in the morning is to help our customers succeed financially and to try and satisfy all their borrowing needs.  The result is we make money because of our focus on serving customers, not the other way around.  This is what matters to FirstPoint.


FirstPoint was founded in 2007 by Troy Phillips, Brett Hartley and Greg Collins. They identified the need for an innovative mortgage and financial services business which takes a holistic and long term view of their client’s financial needs.

FirstPoint has built its reputation on providing private banking style service to every client:  one-on one service, new and innovative home loan products, fast approvals, and providing a real alternative to the big banks.

Troy Phillips – Founder

Troy is one of the pioneers in the Australian non-bank mortgage sector.  His experience in banking and finance dates back to 1985, first at Australian Mortgage Securities (AMP) and then at Bank of New Zealand Australia (BNZA) (later HomeSide Lending).   In 2003 Troy and Brett Hartley founded MAS – a highly successful wholesale mortgage funding specialist, where Troy manages sales and distribution.

Greg Collins – Founder

With over a decade of experience in residential home loans and commercial mortgages Greg began his career in broking in 2000 with one of Sydney’s leading brokerage firms. He has been a finalist in the Plan Australia Broker of the Year awards, gained a Diploma of Financial services and held the position of General Manager in another large brokerage.  His objective is to continue to drive and build on the success FirstPoint has carved out for being a market leader in the mortgage broking space.

Brett Hartley – Founder

Commencing his banking and finance career in 1987, Brett worked in capital markets at Rabobank in London. He returned to Australia as Head of Marketing at Primary Industry Bank of Australia (PIBA, later Origin) in its wholesale mortgage distribution business. Over this time, Brett developed a specialist skill built around wholesale funding and the distribution of these funds as a retail mortgage product. Brett founded MAS with Troy Phillips in 2003 as a wholesale mortgage business, where Brett oversees funding and operations

Jonathan Harris and Chris Pryer represent a new generation of young savvy and entrepreneurial finance professionals, both being industry qualified professional 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.



Our Services

FirstPoint is a company that's mission is to provide a mortgage lending service that will be second to none. Our values should guide every conversation we have, every decision we make, and every interaction we have among our team members and with our customers. The value we place around our service proposition should anchor every product or related service we offer. It’s simple, if we can’t link what we do with our service proposition, we should ask ourselves why are we doing it

Residential Mortgages

What we offer
  • Home Loans
  • Investment Loans
  • Loans for Self Employed
  • Refinance & Restructuring
  • SMSF Lending
  • Debt Structuring
  • Bridging Loans
  • Complex Scenarios’

Commercial Lending

What we offer
  • Commercial Property
  • Trust and Company Loans
  • Small Business Loans
  • Development Finance
  • Private Funding

Other Services

What we offer
  • Comprehensive Property Reports
  • Deposit Bonds
  • Mortgage Protection
  • Debt Negotiation

Are you ready to start a conversation?

Get in Touch

What our Clients say

  • Other lenders and brokers talk about service, Firstpoint delivers it

    — Chris & Sarah Connelly —
  • We deal with FirstPoint because of the high level of customer service, great interest rates on offer and the knowledgeable and experienced staff.

    — Adam and Elisa Grant —
  • We had a home loan with the same bank for 15 years and received little support or contact.  The team at FirstPoint are fantastic, they really wanted us to own our own home.  They even know the street we live on.

    — Rod and Helena Kelly —
  • Many of our clients choose Tribe because we offer a unique proposition in the fitness industry, FirstPoint are doing the same with home loans and business loans.  They knew where I was and were the only ones to enquire as to where I wanted to be.

    — Mark Capelin —
  • About 5 years ago I decided I wanted to build a property portfolio within 7 kilometres of the Sydney CBD.  After sorting my business finance FirstPoint then set about assisting me get the right deals to assist me with my plan.  I now have 4 positively geared properties on the City fringe.  They’re just good at what they do.

    — Mark Johnson —
  • We banked with one of the big 4 banks premium lending suites for many years.  All in all we were reasonably happy; that was until we sat down with FirstPoint.  They are quick, responsive and results driven.

    — Mark and Kylie Sant —
  • I am writing to acknowledge and compliment Chris Pryer and Firstpoint for the excellent customer service we have received over the past two years.

    My wife and I would like to thank first Point and in particular Chris for enabling us to purchase our family home two years ago, and more recently arranging and refinancing our mortgage for our upcoming renovations.

    Throughout our dealings it has all been a very simple process for my wife and I, but I know Chris has worked extremely hard behind the scenes. The products and services we have been provided has suited our needs perfectly and been established seamlessly.

    We also found you to be extremely accommodating and family-friendly. You have always communicated in a language we understand and because of that I have always felt very informed and confident managing the accounts on an on-going basis.

    Thank you again and we look forward to working with you in the future.

    — Jared Starr —

Our Lenders

The Lenders on Offer at FirstPoint

The lenders on offer at FirstPoint have been carefully assembled and is continually reviewed to ensure our brokers and affiliate partners are able to meet their clients’ needs by maintaining a competitive advantage in today’s crowded home loan and mortgage broking markets.

Our lender panel consists of more than 20 residential and commercial lenders including major banks, regional banks, building societies, specialist lenders and mortgage originators.


FirstPoint Journal

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I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.

— Maya Angelou 1928-2014 —


We'd really love to hear from you so why not drop us an email and we'll get back to you within 4 hours.


Head Office

FirstPoint Mortgage Brokers
62 Croydon Street
Cronulla NSW 2230
Tel: 02 9527 2230
Email: enquiries@firstpointmortgagebrokers.com.au


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