Home Loan Broker | Cronulla, New South Wales

Home Loan Broker

Refinance home loan - FirstPoint Mortgage Brokers

Ready to embark on your journey to own your dream home? Secure your residential loan at FirstPoint Mortgage Brokers. As a trusted local Cronulla, New South Wales, home loan broker, we help you get a home loan tailored to your needs.


Cronulla’s Trusted Home Loan Mortgage Broker

Buying a home is one of the most significant financial decisions you will ever make. That’s where FirstPoint Mortgage Brokers come into the picture. We offer comprehensive home loan options to suit your unique requirements.

Get the best home loan advice, whether buying a home for the first time or renovating your residential property and saving valuable time and money. Our team simplifies applying for and approving a home loan in Cronulla. 

Read: A Guide to: How to Choose the Best Home Loan for You.

FirstPoint Mortgage Brokers Cronulla - Sutherland Shire - Sydney - 5 Star Rated on Google

Your Home Loan Provider

Our services cover the following home mortgage options:

First Home Buyers

We as your first-time home buyer lenders provide tailored solutions—. variable mortgage, fixed rate, and split mortgage options. With competitive interest rates and flexible repayment options, we also provide expert home loan advice and support throughout the process.

Property Investment

We understand the unique needs of property investors. Get specialised loan options that maximise property investment and achieve your real estate goals. Includes lines of credit, interest-only loans, and flexible repayment terms.


We offer refinancing home loan solutions to help borrowers optimise their current mortgages. We assist in evaluating loan options, finding lower interest rates, fast pre-approvals and accessing equity for various purposes.

How to Apply for a Home Loan, Cronulla

10 steps to follow while refinancing

Step 1

Understand why you're refinancing

Step 2

Know the costs of refinancing

Step 3

Get your documents ready

Step 4

Figure out how much equity you have

Step 5

Shop around with multiple lenders through a broker

Step 6

Obtain a conditional approval

Step 7

Order property valuation

Step 8

Obtain formal approval

Step 9

Complete settlement

Step 10

Set up the new loan

Why Hire FirstPoint Mortgage Brokers as Your Home Loan Broker?

FirstPoint Mortgage Brokers is an independent financial advising company that can help you get your loan.  What makes us a better choice for your home loan broker in Cronulla are:

  • Working experience since 2004
  • Fast and easy pre-approvals
  • Proven track record
  • Maintain client confidentiality

Frequently Asked Questions

A 20% deposit is ideal to avoid additional costs like Lender’s Mortgage Insurance (LMI). While smaller deposits are possible, they increase interest and monthly repayments. Lenders use Loan-to-Value Ratio (LVR) to determine the loan amount based on property valuation. LVR exceeding 80% usually requires Lenders’ Mortgage Insurance. 

At FirstPoint Mortgage Brokers, we can help you make informed home loan decisions.

The entire process could take anywhere from one week to a month.  The mortgage lender will verify your documents and approve your loan, you’ll find it directly in your bank account. 

Dial 0295272230 for a free consultation.

Home loan lenders take care of all the documentation. Right from finding you a loan to getting you that money in your bank, we will prepare and file all the applications. 

. Call us to know more.

The First Home Owner Grant is a government initiative aimed at assisting first-time home buyers to purchase their first property. To be eligible for the First Home Owner Grant as a first home buyer, there are certain criteria you must meet. These include:

Property Ownership: The property you are purchasing must be the first home you or your spouse have owned or co-owned in Australia, with a few exceptions.

Residence Requirement: You must intend to move into the property within 12 months from the date of settlement and live there continuously for a minimum of six months.

Citizenship or Permanent Residency: You need to be an Australian citizen or hold permanent residency status in Australia.

Age Requirement: You must be at least 18 years old to qualify for the First Home Owner Grant.

It’s important to note that these eligibility requirements may vary between states and territories in Australia. So, it’s recommended to check the specific guidelines and regulations set by your relevant government department responsible for administering the grant.

There are various factors that a mortgage broker for first-home buyers may consider –  

  • Length of employment
  • Income sources
  • Loan term

Use our mortgage calculator to get a better idea. You can also speak to home loan lenders near you.

Yes, there are options available for borrowers with a limited deposit. Explore our solutions such as guarantors or low-deposit home loan programs.

If there is a delay to pay the loan, you may receive  a notice warning of selling the mortgaged property to recover the loss. 

We recommend consulting an expert home loan mortgage broker like us and protect yourself from encountering such an unfortunate turn of events.

Sutherland shire suburbs

Alford Point, Bangor, Barden Ridge, Bonnet Bay, Bundeena, Burraneer, Caringbah, Commo, Cronulla, Dolans Point, Engadine, Grays point, Greenhills Beach, Gymea, Heathcote, Illawong, Jannali, Kangaroo Point, Kareela, Kirrawee, Lilli Pilli, Maianbar, Oyster bay, Miranda, Sandy Point, Sutherland, Sylvania, Taren Point, Waterfall, Woolooware, Woronora, Yarrawarrah and Yowie Bay.

St George area

Allawah, Banksia, Bardwell Valley, Bexley, Beverly Park, Blakehurst, Brighton Le-Sands, Carlton, Connels Point, Hurstville, Kogarah, Kyeemagh, Kyle Bay, Lugarno, Monterey, Mortdale, Narwee, Oatley, Peakhurst, Penhurst, Ramsgate, Riverwood, Rockdale, Sandringham and Sans Souci.

Inner West includes the suburbs of

Annadale, Ashfield, Balmain, Birchgrove, Dobroyd Point, Dulwich Hill, Enmore, Haberfield, Leichhardt, Lewisham, Lilyfield, Marrickville, Petersham, Rozelle, Stanmore, St Peters, Summer Hill, Sydenham, Tempe, Camperdown, Croyden, Croyden Park, Hurlstone Park and Newtown.

Eastern suburbs

The suburbs surrounding the southern shores of Sydney Habour:
Vaucluse, Rose Bay, Darling Point, Double Bay, Point Piper, Woollahra, Edgecliff, Woolloomooloo, Watson Bay, Potts Point, Rushcutter Bay, Elizabeth Bay, Bellevue Hill, Waverley and Bondi Junction.


Dover Heights, Bondi, Bronte, Tamarama, Clovelly and Coogee.

Inner City

Darlinghurst, Surry Hills, Moore Park, Centennial Park, Paddington and Queens Park.

South West

Kingford, Kensington and Randwick.