DHOAS & Veteran Home Loans, Refinancing & More | Duty First Mortgages 

What we do

Home loans for every mission, from DHOAS to your next investment

From first homes to investment portfolios, construction sites to company vehicles. Whatever you're working toward, we'll map the route and walk it with you, comparing options across 60+ lenders.

Investment & Construction Loans

Buying an established investment property or building from the ground up, we structure the lending to match the plan. We simplify the complex parts, from pre-approval through every progress payment, and make sure the loan supports your longer-term goals, whether it's your first property or the next one in the portfolio. Test an investment's cashflow with our negative gearing calculator, or read up on how progress payments work.

Plan your build or purchase with an investment or construction loan

Debt Consolidation

Credit cards, personal loans, tax debt: juggling them all is exhausting. We help you roll multiple debts into one easier-to-manage repayment so your budget gets room to breathe. Done well, consolidation can also put you in a stronger position for a home loan down the track.

See if it stacks up with a debt consolidation review

Commercial Loans

From offices, retail and industrial property to the vehicles, trucks and equipment that keep a business moving. With access to a wide panel of lenders, we help you secure funding that backs your business plans, structured around your cash flow.

Talk business finance for commercial loans

Self Managed Super Fund Loans

We arrange SMSF loans for residential and commercial property held through your superannuation. We don't provide financial or legal advice, but we work alongside your accountant and financial planner, and can connect you with trusted professionals if you don't have them yet.

Explore SMSF lending options

Spanish Speaking Mortgage Broker, Se Habla Español

Navigating a mortgage is easier in the language you think in. We guide clients in both English and Spanish, from the first chat through to settlement. More on our Spanish speaking mortgage broker page.

Entender las hipotecas puede ser complicado, pero estamos aquí para ayudarle: orientación clara en inglés y español para que comprenda cada paso y se sienta seguro con sus decisiones.

Hablemos (let's talk, in English or Spanish)

Simple and transparent

How do we get paid?

No surprises here. Our home loan service costs you nothing, and here's exactly how that works.

Paid by the lender

When your loan settles, the lender pays us a commission. It doesn't come out of your pocket and it doesn't change your loan.

No hidden fees

No upfront charges and no invoices for our home loan service. If a specific service ever carried a fee, you'd know before we start.

Your interests first

We recommend the loan that fits you, not the one that pays the most. That's not just our ethos, it's the law: mortgage brokers owe you a Best Interests Duty.

Timber roof trusses of a new home under construction against a deep blue sky

Ready when you are

Not sure which loan fits?

Tell us where you're headed and we'll map the route together. The first chat is quick, relaxed and obligation-free.