Why Choose Us

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we will provide you with customer service that you will value for the life of your loan


Whether you are a first home buyer or a seasoned investor, we are committed to providing you with the right home loan to meet your needs. Along with providing great interest rates, unlimited additional deposits and redraw facilities, we will provide you with customer service that you will value for the life of your loan.

Our industry leading customer service is what sets us apart from other home loan providers. Our commitment to you, our valued customer:

  • We will be easy to do business with
  • You will talk to a real person
  • We will get back to you
  • We will listen to what you want
  • We will provide a home loan that suits your needs
  • We will provide attractive interest rates
  • We are here to serve you and will work to ensure you are always 100{fce1ff8cab95b5fc0c1cf91677e7a9567c531feaa35ff87529e7d9f0fed0e493} satisfied with our service.

We have a dedicated team here in house, ready to answer your questions. Whenever you call us, your questions will always be answered by a friendly team member and we will guide you through your initial home loan application process and into the future.

Not only that, our team is qualified and fully compliant. You can feel confident that you are in safe hands and that we always have your interests at heart. Rest assured we will find the loan that\’s right for you!

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Find a solution that best suits your needs


There are hundreds of home loan products on the market and it is important that you find a solution that best suits your needs, budget and personal requirements.

You can expect us to identify which products are most suitable for you and to help you choose the correct solution. We also provide ourselves on our ability to get your loan settled and will assist you with collecting your documentation and preparing your application. We have extensive experience in all things lending, including:

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First Home Buyers

A home buyer can obtain financing (a loan) from a financial institution to purchase a property by using a mortgage broker. First home buyers may enjoy a grant from the government to assist with their first home purchase and we can also help to ensure you receive any entitlements.

The features of your loan – such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics, can vary considerably. When you\’re a first home buyer, it’s always best to speak with a mortgage broking professional to determine the loan that is right for you and help you to understand everything you should know about the home buying process.

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Investment Loans

Investment loans are structured in a specific way to allow you to make the most of your capital and assets. We can help you to formulate an investment plan that works toward building your wealth and securing your financial future. We will then work with you to help ensure your finances are always working optimally to help you achieve your goals.

For some, the future may seem a long way off, but the time to act is now because when it comes to making a profit from investing in property, time is your friend. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches. But over time, property values have proven to rise fairly consistently. That\’s why a long-term investment strategy is considered to offer the investor the lowest risk.

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Commercial Loans

Commercial loans may be used for a wide variety of purposes, from purchasing commercial property to providing funds for business use.

Smaller businesses frequently require financing to operate, expand and grow and do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. We can assist with a variety of commercial funding options, including renewable loans that can be used to finance a company’s immediate working capital needs, as well as asset finance or leasing options for plant and equipment, and much more. These financing options can be large or small scale. Simply talk to us about your needs and goals and we\’ll help you to explore your options.

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Standard variable & fixed rate loans

Variable rate loans generally offer more features and flexibility than other home loan products, particularly the basic or “no frills” loan. With a variable rate loan, the rate can change at any time and lenders usually raise or lower their variable interest rates in line with the Reserve Bank of Australia\’s decision on the official cash rate.

Fixed rate loans are set at a fixed interest rate for a specified period – usually one to five years. Fixed rate loans give you the advantage of knowing exactly what your repayments will be for the fixed rate term, but this is offset by the disadvantage of not benefiting from any drop in rates that may occur during your fixed rate period.

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Honeymoon Loans

A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the honeymoon period, the loan becomes a standard variable rate loan and the repayments usually increase. If you are planning to take advantage of a honeymoon rate, you will need to make sure that you can meet the higher repayments for the remainder of the loan once the honeymoon period is over. You could also be faced with a fee at the end of the honeymoon period to switch to another loan option.

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Bridging Loans

A bridging loan is often used by home owners who are moving on to their next home. A bridging loan is usually a short-term loan that is used when it is necessary to cover the gap between buying your next property before the existing one is sold. This finance is generally secured against your property and allows you to utilise the equity in your existing property. Bridging loans usually carry a much higher interest rate than other types of loans, so if you believe you may need financing for a longer period, talk to us about your other options.

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Your financial well-being and that of your family is important to us. So we also specialise in helping you secure your loan and financial security by offering risk and life insurance. Through our partnership arrangements with reputable insurance providers, we are able to offer you a range of different insurance options. This service offers free consultation so even if you are happy with your current insurer for your home, business or any other insurance requirement, we\’ll be happy to provide you with a competitive quote to see if we could help you save money.

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Asset Finance

You can also ask us to access you some great finance options for other purposes such as loans for private cars and recreational vehicles, commercial vehicles, as well as plant and equipment for your business. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.

The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your personal financial circumstances and goals. With depreciating assets, the right finance can also save you a lot of money on interest and fees.



Making a big purchase can be a daunting experience. Whether you are re-financing, down-sizing, investing or buying your first home, there is always so much to consider when taking out a loan. That\’s why it is important to use an expert who understands the market and can find you the right loan for your needs.

Our aim is to find you a loan that not only meets your requirements, but exceeds your expectations in terms of rate, product and service. You can rely on us to provide you with choice and opportunity and at Fast Start Home Loans & Business Finance, we look forward to supporting you in your dream of owning your own home and building a secure financial future.

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Professional mortgage brokers ready to help you.


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Understand what is going on in the financial industry.


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Calculators to find out how much you can borrow.


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Mortgage brokers are professionals in the home loan industry. They work with you to determine your finance needs and help you understand how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for your financial circumstances or needs.

Professional mortgage brokers only focus on loans. If you need legal advice, you go to a solicitor who is a specialist in the law. If your pipes are leaking, you go to a specialist in plumbing. It’s the same when you need a loan.

Brokers have access to a wide variety of loans. This means your broker can find a loan that’s just right for you.

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Some mortgage brokers charge a fee and some don’t. When you take out a loan via a Mortgage Broker – it does not cost you more. That is an absolute myth. Brokers get paid commission by the bank for bringing new business to them, this does not impact your rate or level of service.

Some brokers charge a fee for their service. They must disclose this fee upfront to you so you know what you will be up for if you engage their services.

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The truth is that there is very little difference between the commissions paid by the lenders. You can also rest assured that your interests in this respect are covered by law. The mortgage and finance brokering industry has legislation called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We are required to present you with a selection of suitable loans from different lenders and tell you upfront what commission we will be getting. Our job, our only job, is to find the best loan for your needs and serviceability.

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Some Brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same, depending on the loan you choose.

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This is dependent on how much you have saved for a deposit and what you current expenses are. Give us a call and we can go into your options in more detail, or check out the loan calculator page of our site!

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A mortgage broker is only allowed to recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments”. With regard to interest rates, however, we recommend the following; “if you want flexibility take a variable rate loan, if you want repayment certainty take a fixed rate loan, if you want both, then do both and use a split loan.”

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Sure thing! We are mobile brokers so we can come to you!

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I am a Connective Broker. This means that I have access to many lenders – these include the major banks, second tier lenders and credit unions. We can source you a loan from the lender of your choice.

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The Reserve Bank of Australia meet on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Mortgage brokers do not set rates.

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When we talk about a ‘loan product’ we are referring to the thousands of options that are currently available for you for your loan. Each bank (or lender) has loads of different loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in. If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs.


Contact Us

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Please get in touch


We have many years of experience in finance and mortgage brokering. Our aim is to find you the right loan for your needs, and make the process as simple and transparent as possible!

Contact Information

Address: 755 Hunter Street, Newcastle West  NSW 2302
Phone: 0448 805 134
Email: adam@faststart.net.au

Get in touch with us today


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Find out how much you can borrow


Use our handy calculators to estimate how much you can borrow. We’ve designed these calculators to help give you a better insight into how the lenders will view your loan application.

The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender. You should always discuss your individual circumstances with a representative of Fast Start Home Loans & Business Finance before placing your deposit or purchasing any property.

About Us

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Professional mortgage brokers ready to help you


Fast Start Home Loans & Business Finance is a full service finance brokerage in Newcastle New South Wales. Our goal is to ensure that every one of our valued clients receives the very best overall deal on their home loan. Contact us today, take advantage of our expertise and give your home loan the ‘fast start’ it needs. And don\’t forget, we can help you with your finance needs regardless of where you live, right across Australia!

The team at Fast Start Home Loans & Business Finance have over 40 years combined lending and financial services experience, with our Managing Director, Adam Wilson, having spent the last 6 or 7 years in General Manager  and Senior Leadership roles at both Westpac and the Commonwealth Bank.

\”Having worked for the major banks for a number of years it became apparent that for many customers the established big four banks may not necessarily represent the best overall value for them, or they may not \’fit\’ the banks lending guidelines. All too often I think consumers just accept that the rate or overall package their traditional lender provides is as good as it gets. Since opening the brokerage, I\’ve been absolutely surprised with the packages on offer through other lesser known or smaller lenders\” – Adam Wilson

Don\’t settle for higher rates and poor service, call us today for a free, no obligation Home Loan Check Up. We\’re sure you\’ll be delighted with the outcome!


Adam Wilson

Managing Director at Fast Start Home Loans & Business Finance
P: 0448 805 134
E: adam@faststart.net.au

With over 15 years experience in the financial services industry, Adam  is well placed to make sure you receive the best outcome possible when it comes to your Home Loan.

\”Starting my own mortgage brokerage is something I\’ve always wanted to do and having worked for some of the \’big banks\’ for so long, I can clearly see that for many customers, there are much better (and more affordable) alternatives to the \’traditional lenders\’ when the time comes to applying for a home loan.\”

FAST START HOME LOANS & BUSINESS FINANCE have access to approximately 40 lenders, many of which have lower rates than the traditional banks and building societies or may be able to assist you where the banks have said \’no\’  Call us today to find out what we can do for you!

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