First Step Loans

Looking for a lower interest rate or the best loan for your situation?

A mortgage broker can help you:
✔ Compare multiple lenders
✔ Find competitive rates
✔ Choose the right loan structure
✔ Save money over the life of your mortgage

📩 Call us today for a free consultation.

🏡 THINK BUYING A HOME IS OUT OF REACH?

A lot of people assume they need a huge savings or perfect finances to get approved for a mortgage… but that’s not always the case.

💡 Many loan options require lower down payments than you think
💡 There are programs designed for different income levels
💡 The right guidance can make the process much easier

That’s where we come in.

We help you navigate your options and connect you with the right lenders—so you can move forward with confidence, not confusion.

Ready to take the first step toward your home? Click link below and let’s talk. 🏠

Call Now - Sam Bhardwaj - 0426250304

Anyone who is feeling Doom and Gloom from yesterday's tax changes..

Negative Gearing is a myth sold to all of us.. Its only great for rich investors who want to just part money and never pay it.. else it doesn't matter . Neg Gearing generally only happens in first 3-5 yrs for a normal circumstances..

Reach out to me if you wanna discuss more

Call No 0426 250 304

The federal budget is here. Here's what it means for your hip pocket. 👇
🏠 Investors
Negative gearing on existing properties ends July 2027 (new builds exempt). CGT moves to an inflation adjusted model with a 30% tax floor. Already own? You're not affected.
🔑 Homebuyers
A more level playing field at auction, $2B in new infrastructure to unlock 65,000 homes, and the foreign buyer ban extended to 2029.
👨‍👩‍👧 Households
Claim up to $1,000 in work expenses without receipts from FY26/27. A new tax offset puts ~$250 back in workers' pockets from FY27/28. NDIS participants may shift to state run programs.
💼 Small Business
The $20k instant asset write off is now permanent. Loss carry back lets eligible businesses offset recent losses against past profits.
🚗 Drivers
EVs under $75k keep their FBT exemption. The fuel excise discount ends in July — expect petrol prices to rise.
Not sure how this affects you? Let's talk through your loan or strategy. 👇

Flash News, 2 yr fix at 5.99% for Owner Occupied Loans.. Call for more info and offers..
Call me now to discuss- 0426 250 304

Worried about rate change, your next rate rise or fall if any would only be 70-80 dollars difference.. i.e. DON'T WAIT FOR THE RATE TO CHANGE, bcoz your affordability will not change but the markets will ie you may buy the same house for more price or further out..

Call now to discuss your options.. - 0426 250 304

Stop paying the minimum and watching your balance stall. Call or click now to fast-track your home loan payoff today!

Call me now!!

Start the new year with a bang with this limited time offer, enjoy a special rate on Basic Home Loans with LVR < 60%.

Loans Made Simple...
From your couch or in our office, you have the assurance and flexibility to meet when you want and where you want...
Call now - Sam Bhardwaj,
First Step Loans - M 0426 250 304
Click: https://tinyurl.com/My-Personalised-Home-Loan

Loans Made Simple...

From your couch or in our office, you have the assurance and flexibility to meet when you want and where you want...

Call now - Sam Bhardwaj,
First Step Loans - M 0426 250 304
Click: https://tinyurl.com/My-Personalised-Home-Loan