Personal & Cosmetic Finance Australia

Structured Payment Options

FirstPoint Mortgage Brokers are your award winning business and asset finance experts.

Personal and cosmetic finance allows borrowers to spread the cost of approved expenses over time through structured repayments.

What It Can Be Used For

Why Borrowers Use This Type of Finance

Manage larger expenses over time

Avoid upfront financial pressure

Proceed sooner with planned expenses

Why FirstPoint

Discreet and simple process

Access to multiple lenders

Structured support

How It Works

Submit your details through the form

We review your information and needs

We present suitable solutions for you

Finalise and move forward with confidence

Get Started

If you’re ready to invest in yourself, FirstPoint can help you secure a personal & cosmetic finance solution tailored to your needs and situation.

Get Pre-Approved

Speak to a Specialist

Asset Finance

Don't Just Take It From Us, Our Customers Are Our Biggest and Best Advocates

FirstPoint Mortgage Brokers5.0

Based on 980 reviews

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Jordan Toft

5 days ago

Expert knowledge, continuous availability, no question unanswered and executed precisely . From the get go Jonathan from FirstPoint Morgage Brokers delivered expert knowledge, specific to my situation, sourcing a unique product that encompassed my needs. Communication was direct and forthcoming with no situation or option left in ambiguity. No question was too small or insignificant and I was guided positively throughout the entire process linking all parties efficiently and effectively. Securing finance, the right finance, is a key component in a process with many moving parts, having an informative, reliable and effective partner for this segment of the process was a great reassurance.

Response from the owner:Thanks Jordan, we really appreciate the fantastic feedback. Jono takes great pride in finding the right solution for each client, particularly when things aren't always straightforward. Great to hear his knowledge, communication and attention to detail gave you confidence throughout the process. Thanks again for trusting Jono and FirstPoint, and for taking the time to share your experience. Jordan so good to have you back in the FP fold.

Adam Deering

6 days ago

Chris was incredibly helpful and efficient, I would highly recommend.

Response from the owner:Adam, great 5 Star Review on Chris, thanks so much for choosing FirstPoint as your preferred Mortgage Broker, you know where to find us should you need us.

Rosanna Arrowsmith

7 days ago

Answered all our questions as first home buyers with no clue what we were doing. . Emails replied quickly, excellent communication and leads to conveyancer, a smooth and seamless process with the bank and the vendor. Extremely professional. We chose First Point Mortgage Brokers based on their 5 star rating and have zero regrets. Jonathan and the team highly recommended! Would give 6 stars if I could.

Response from the owner:Thanks so much, Rosanna, we’ll happily take the 6 stars! It’s great to hear Jono and the team made your first home buying experience feel smooth, clear and seamless from start to finish. Buying your first home is a huge milestone, so congratulations and thanks for putting your trust in FirstPoint based on our reviews. Now you’ve added another great one!

Emma and Liam

2 weeks ago

Absolute legend and the broker you want in your corner! We couldn’t have asked for a better broker than Chris while buying our first home. He was incredibly helpful, patient and easy to talk to throughout the whole process. He explained everything clearly, kept us updated and was always happy to answer our questions, no matter how small. Buying a home can feel overwhelming, but Chris made us feel supported and confident every step of the way. We’re so grateful for everything he did for us and would happily recommend him!

Response from the owner:Thanks Emma and Liam, what a fantastic review! Chris will absolutely love the “legend and the broker you want in your corner” call, can'y help but agree. Buying your first home is a huge milestone, so it’s great to hear he made the whole journey feel clear, supported and that little bit less daunting. Huge congratulations to you both, and thanks for trusting Chris and FirstPoint to help get you there.

Karen Yu

2 weeks ago

Excellent service. Easy to apply . Chris is very professional and keep me updated all the time. Great to deal with

Response from the owner:Thanks Karen, really appreciate the great feedback. Fantastic to hear Chris made the whole process easy and kept you informed every step of the way. Thanks again for trusting Chris and FirstPoint!

Belinda PARATHYRAS

2 weeks ago

Chris has been great in all aspects of our requirements. Would highly recommend and will use again.

Response from the owner:Thanks Belinda, really appreciate the great feedback. Fantastic to hear Chris looked after you so well across the board. Thanks for the recommendation and your trust in FirstPoint, we look forward to helping you again down the track. You know where we are when you need to find us.

taysha whiteman

3 weeks ago

Response from the owner:Taysha, thanks for the 5-Star Review, that is all we strive for, spot on! Thanks.

Hayden Garn

3 weeks ago

These guys are first class!

Response from the owner:Thanks Hayden, you're a ledge, longtime client and great supporter, that is all we can ask for, you know where we are when you need us H.

Ben Counsel

3 weeks ago

Chris and the team at First Point and the best in the business. We have been dealing with them for many years now and have always been extremely happy with the outcome. Have recommended to friends and family with complete trust and confidence. Chris Pryer is an absolute gentleman and ultimate professional. Thanks for all your support.

Response from the owner:Ben, what a lovely review, thank you. It was great to have you and the family back again, so happy and excited to assist you guys with the new home. Ben, on behalf of Chris and the FP team thanks for the stamp of approval yet again. You know where we are if you need anything.

Naomi Russo

4 weeks ago

Jono has helped us with two properties and he has been wonderful both times. Would definitely recommend his services!

Response from the owner:Thanks Naomi, really appreciate the great feedback. Jono will love hearing it. Repeat clients and recommendations like this mean the world to us. Thanks again for the continued trust.