First Select Finance

First Select Finance GUIDING YOU THROUGH
LIFE'S FINANCIAL JOURNEY We pride ourselves on our fast, professional and personalised approach.

We give best advice coupled with tailored simple and flexible finance & insurance solutions.

- Access to over 30 Major lenders means we are able deliver best interest rates, terms and conditions.
-Regulated by ASIC under the NCCP
-FBAA accredited member
-Credit and Investment Ombudsmen member

We look forward to forming a lasting and rewarding relationship with you, and perhaps most importantly, we look forward to helping you achieve your dreams.

02/10/2026

Strong salary, but less borrowing power than you expected? 🏡

Your income is only part of the picture. How much debt you already carry matters too.

A high debt-to-income ratio doesn’t automatically mean rejection, but it’s worth understanding before planning your next purchase.

Comment “DTI” or speak with First Select Finance through the link in our bio.

General information only. Not financial advice.

01/10/2026

Could competition between lenders create an opportunity to review your home loan?

Even when demand for new loans slows, lenders can still compete to attract borrowers. But an attractive advertised rate doesn’t guarantee approval or mean the loan is right for you.

Your financial position still matters, including your income, existing commitments, credit history and available equity.

Thinking about refinancing? Comment “REFI” or speak with First Select Finance about your options:
https://www.firstselectfinance.com.au/

General information only. Not financial advice.

30/09/2026

Seen the average Australian home loan and wondered how you’re supposed to afford it?

That figure brings together very different property markets. A purchase in Sydney may involve a very different loan from one in regional Victoria or Queensland.

The national average isn’t a borrowing target or a guide to what you personally need to earn. Your deposit, income, expenses, existing debts and the property you’re considering all matter.

Want a clearer picture of your own position? Speak with First Select Finance:
https://www.firstselectfinance.com.au/

General information only. Not financial advice.

29/09/2026

Saving the deposit is one challenge. Taking on the repayments is another.

Fewer first home buyer loans and a higher total amount borrowed can happen together. It means the average loan is larger, not necessarily that buying a first home has become easier.

If you’re planning your first purchase, what feels like the biggest hurdle: building your deposit or finding a loan that fits your budget?

Tell us below, or speak with First Select Finance about your next step:
https://www.firstselectfinance.com.au/

General information only. Not financial advice.

28/09/2026

Your mortgage repayments may have changed. Has your budget kept up?

Rate changes can add to your ongoing costs, but the impact on your loan depends on your lender, rate type and when those changes were applied.

If refinancing is on your mind, an earlier borrowing estimate may no longer reflect your circumstances. Understanding your current repayments is a useful starting point.

Speak with First Select Finance about reviewing your home loan:
https://www.firstselectfinance.com.au/

General information only. Not financial advice.

24/09/2026

Could fewer property investors mean more opportunities for first home buyers?

Where investors and first home buyers compete for similar properties, reduced investor activity may ease some of that competition.

The implications for renters are less immediate. Investor purchasing is only one factor affecting rental supply, and changes can take time to flow through.

Your local market and financial position still matter when considering a purchase.

Explore your lending options with First Select Finance:
https://www.firstselectfinance.com.au

General information only. Not financial advice.

23/09/2026

Fewer people borrowing to buy doesn’t automatically mean property prices are falling.

Lower lending volumes can point to softer buying activity, potentially giving house hunters more room to negotiate. But the effect depends on the location and the properties available.

If you’re buying or selling, recent local sales and buyer interest can help put those national figures into perspective.

Preparing for a purchase? Speak with First Select Finance about your financial position and lending options:
https://www.firstselectfinance.com.au

General information only. Not financial advice.

22/09/2026

Does that property market headline actually apply to your suburb?

A buyer in a softer market may have room to negotiate, while a seller elsewhere could be facing very different conditions. National figures provide context, but they don’t tell you what an individual property is worth.

Recent comparable sales and local activity can help you understand the market you’re actually buying or selling in.

Planning a purchase? Speak with First Select Finance about your lending options:
https://www.firstselectfinance.com.au

General information only. Not financial advice.

21/09/2026

The RBA can pause. Your mortgage repayments still need to be paid.

A cash rate hold doesn’t reverse previous increases or automatically reduce your repayments. It also isn’t a promise that rate cuts are coming.

If you’re considering refinancing, start by understanding your current loan and what other options may suit your circumstances.

Speak with First Select Finance:
https://www.firstselectfinance.com.au

General information only. Not financial advice.

Address

111/470 St Kilda Road, Melbourne
Prahran, VIC
VIC3004

Telephone

+611300731864

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