Our Services

Residential Loan

Choosing a home loan – How to compare home loans and get the right deal.

With over 20 years of experience in mortgage lending, we will guide you through the process of choosing the right suitable loan product that meets your needs and requirement.

When looking for a good deal on a home loan (mortgage), the interest rate matters. A home loan is a long-term debt, so even a small difference in interest adds up over time.

Home loans come with different options and features. These can offer flexibility or let you pay off your loan faster. Some options could cost you more, so make sure they’re worth it.

Principal and interest will pay off the loan
Get the shortest loan term you can afford

Fixed interest rate

A fixed interest rate stays the same for a set period (for example, five years). The rate then goes to a variable interest rate or you can negotiate another fixed rate.


    • Makes budgeting easier as you know what your repayments will be.
    • Fewer loan features could cost you less.


      • You won’t get the benefit if interest rates go down.
      • It may cost more to switch loans later if you’re charged a break fee.

      Variable interest rate

      A variable interest rate can go up or down as the lending market changes (for example when official cash rates change).


        • More loan features may offer you greater flexibility.
        • It’s usually easier to switch loans later if you find a better deal.


          • Makes budgeting harder as your repayments could go up or down.
          • More loan features could cost you more.


          Partially-fixed rate

          If you’re not sure whether a fixed or variable interest rate is right for you, consider a bit of both. With a partially fixed-rate (split loan), a portion of your loan has a fixed rate and the rest has a variable rate. You can decide how to split the loan (for example, 50/50 or 20/80).

          Mortgage features come at a cost.

          Home loans with more options or features can come at a higher cost. These could include an offset account, redraw, or line of credit facilities. Most are ways of putting extra money into your loan to reduce the amount of interest you pay.

          Weigh up if features are worth it

          For example, suppose you are considering a $500,000 loan with an offset account. If you’re able to keep $20,000 of savings in the offset, you’ll pay interest on $480,000. But if your offset balance will always be low (for example under $10,000), it may not be worth paying for this feature.

          Avoid paying more for 'nice-to-have' options

          When comparing loans, consider your lifestyle and what options you really need. What features are ‘must-haves’? What are ‘nice-to-haves’? Is it worth paying extra for features you may never use? You may be better off choosing a basic loan with limited features.

          Work out what you can afford to borrow

          Be realistic about what you can afford. If interest rates rise, your loan repayments could go up. So give yourself some breathing room.

          Commercial Loan

          Find the right commercial loan for you

          Commercial mortgages have previously been a challenge for many business owners to secure the right suitable commercial loan. We appreciate how time-consuming research can be, especially when you have other things to worry about, like your own business. If this resonates with you, we are here to help!

          At M1Finance, our experienced staff works with multiple leading commercial mortgage agents who know how to find businesses the right deals. We are also dedicated to being in constant contact with all parties involved so that if there ever is anything that needs to get done quickly, it gets done just that way!

          With us by your side, nothing will get lost in translation along the way, and you can rest easy knowing everything will finish on time.

          Equipment Loan

          Get the Equipment You Need at the Price You Can Afford

          M1Finance is dedicated to helping businesses fund the equipment they need by offering them various and tailored solutions throughout all stages of their business lifecycle. Ranging from helping businesses procure new or used equipment, allowing businesses to refinance any existing debt that has been built up that’s resulting in hefty monthly repayments, or working with businesses to provide minimal term equipment financing if they are unable to predict what their short-to-medium term needs will be. Our wide range of experience enables us to recommend the right solution for your business regardless of its current performance or financial state.

          M1Finance team of experienced and dedicated financial specialists is here to help steer you in the right direction to find the right equipment-financing option for your business.

          Equipment finance involves the purchase of assets that are used in your business. These assets can include: machinery, business equipment, or vehicles. It is a type of loan used to fund these purchases, and you can also use it to refinance existing loans on these types of assets.

          Self-Managed Super Fund (SMSF)

          Wealth Creation With SMSF

          With Financial Planning background, we understand the value of purchasing property with SMSF and we will guide you through the loan process and selecting a suitable loan product.

          Book For Your Complimentary Consultation

          What makes M1 Finance different?

          A commercial loan broker will assist you if you need someone to know and guide you through the process. Whatever you are doing, whether or not it is an existing business or something completely new, we are here to support and encourage you to envision, so that you’re able to make it a reality.

          Our goal is to assist you in reaching your business targets by finding the correct financial answer to fit all of your wants and assisting you in this process.