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About Us

First 4 Finance Pty Ltd is now an Authorised Credit Representative of Liberty Network Services, (Australian Credit Licence 408042). Liberty Network Services comprises of a national network of Liberty Advisers all of whom are independently owned, trading under the Liberty brand.

At Liberty, we believe that loan products should be easy to understand, easy to access & allow you peace of mind.

Think of Liberty as being a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building ongoing relationships with our clients and to think of your best interests, not those of the bank.

By all means, please call the office for more information or clarification about your own circumstances.


Meet the team

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Gary Strickland

Director / Lending Manager 0408 553 615 gstrickland@libertynetwork.com.au

Gary became a Mortgage & Finance broker in 1998 and is a founding Director of First 4 Finance.

During his career, Gary has gained several industry achievements including 2005 MPA Top 100 Broker in Australia, PLAN Australia Sales Master status in 2006 & 2007 and a Finalist in the 2015 Victorian Better Business Awards (Best Customer Service - individual section).

Gary holds a Diploma of Financial Services (Finance and Mortgage Broking Management) and is a Credit Adviser and Full Member of the MFAA (Mortgage & Finance Association of Australia) and FBAA (Finance Brokers Association of Australia).

Robert McKinley

Robert McKinley

Lending Specialist 0477 015 544 mckinley@libertynetwork.com.au

Robert is our newest recruit having joined First 4 Finance in March 2016.

Robert has worked in the finance industry since 1994 including periods with a major bank, a credit union and as a Finance and Insurance Manager in the automotive industry.

Providing experience in a range of areas including residential mortgages, vehicle finance, small business and commercial lending, these roles have helped Robert develop a large range of lending skills.

Robert holds a Certificate IV in Finance and Mortgage Broking and Credit Advisor status with the MFAA (Mortgage & Finance Association of Australia).

We are first time buyers in the market and at our age, didn't have much experience with lenders. Thankfully, Tim and the team at First 4 Finance, quashed any worries we had and now we own our home in a wonderful estate. We highly recommend everyone to use their services. They are up-front, honest and reliable.

Name – Jacob & Jessica -

Our Services

There are a number of products on the market and it is important that you find a solution that best suits your needs and serviceability.
We pride ourselves on our ability to get your loans settled! We have extensive experience in all things lending, including:

First Home Buyer

01A first home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans 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. It’s always best to speak with a mortgage broking professional to determine the loan that is right for you.

Investment Loans

04Investment Loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Insurance

05We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangement with an insurance brokerage firm we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.

Standard variable & fixed rate loans

03The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Honeymoon Loans

07A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

Vehicle & Equipment Finance

Services_iconWhether you require one or more vehicles or perhaps new equipment for your business, First 4 Finance's lending options help make the finance decision hassle-free. First 4 Finance provides a suite of lending products that are sourced from both traditional banks and non bank lenders, ensuring that our clients have access to products that will meet their individual needs with competitive car, truck and equipment rates.

Commercial Loans

09Due to expensive upfront costs and regulation related hurdles, smaller businesses 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. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Bridging Loans

02A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

Why choose us

Why go to a bank that will only sell you their products? More and more Australians are using Mortgage and Finance Advisers such as First 4 Finance to guide them through the maze of lenders and loan products available today.

First 4 Finance has access to a vast range of lenders (including major banks) with hundreds of loan options for you to choose from. Whether you're or a seasoned investor, a first home buyer, upgrading to a new home or just not sure if your current bank is looking after you, contact First 4 Finance to arrange your free consultation.
 
Our industry leading customer service is what sets us apart from other home loan providers.  Our team will guide you through your home loan application process and into the future, including FREE annual reviews that you will value for the life of your loan.

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First 4 Finance‘s commitment to you, our borrowers:
•  We will be easy to do business with
•  You will talk to a real person
•  We will get back to you
•  We will go the extra mile, every time
•  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 you will be 100% satisfied with our service

When you call the team at First 4 Finance, your queries will be answered by a friendly team member. Not only that, our team is qualified and fully compliant so you can feel confident that you are in safe hands.

Thank you to Gary and the team, you have been fantastic in helping us secure our first home loan. We would be more than happy to recommend First 4 Finance to any friends or family that may be looking for advice on a loan.

Shaun & Lisa

Our Lenders

Adelaide Bank

AMP

ANZ

Bank of Melb

Bank of Melb

Bankwest

Comm Bank

Herritage

ING Direct

Keystart

Liberty

Macquarie

My State

NAB

Nab Broker

St George

Suncorp

Westpac

FAQs

What does a mortgage broker do?
Mortgage brokers are professionals in the home loan industry. They work with you to determine your borrowing needs and how much you can borrow. Brokers help ensure you don’t take out a loan that is too big for you.

Professional Mortgage Brokers only focus on loans. If you have a toothache, you go to the dentist not a florist. If your car is broken you take it to a mechanic not a librarian. You go to someone trained to help you with your specific need. It’s same when you need a loan.

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


Do you Charge fees for home and investment loans?
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.


Don’t you just recommend the lender who pays you the most commission?
Absolutely not! There is legislation in our industry, 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 tell you upfront what commission we will be getting from the bank. Our job, our only job, is to find the best loan for your needs and serviceability.

How much can I borrow?
This depends on how much you have saved for a deposit and what you current income and expenses are. Give us a call and we can go into your options in more detail, or check out the loan calculators page


Should I go fixed or variable?
I am only allowed to recommend a product based on what you say is most important to you eg “pay my loan off quickly” or “guaranteed repayments”.

I do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty take a fixed rate loan, if you want both, then do both”


I am not in your area, can we still work together?
Sure thing. First 4 Finance has clients throughout Victoria and interstate including QLD, WA and NT

Which lenders do you deal with?
I am a Liberty Advisor. This mean 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.

Who sets interest rates?
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.

Why should I use a mortgage broker if I can go with a bank?
When we talk about a ‘loan product’ we are preferring to the thousands of options that are currently available for you for your loan. Each bank (or lender) has loans 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.

"First 4 Finance" was highly recommended to me by friends when I was looking to buy a block of land and build my dream home. I can't thank Gary Strickland and the team at "First 4 Finance" for all their professional, friendly and on going support to get the best possible loan.

Name – Catherine

Contact Us

Keep in touch with us







When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with someone who has your best interests in mind now and in the long term. We have many years’ experience in finance and mortgage broking. Our aim is to find you the best loan for your needs, and make the process as simple and transparent as possible! Please get in touch with us today.

Ph: (03) 5561 7344 Fax: (03) 5561 4840 Email: Send Us An Email Address: 173 Lava Street, Warrnambool VIC 3280