CLIENT SUCCESS STORY

From Expat to Empowered Homeowner

How personalised lending transformed an expat family's financial journey

Hear Their Story

Client Profile

Expat family in Australia

Services Used

Home loan & refinancing

Your Broker

Richard Luke, Director

The Challenge

Moving to a new country comes with plenty of challenges, but navigating Australia's lending landscape shouldn't be one of them. When this expat family arrived in Australia over 15 years ago, they faced a system that felt rigid and impersonal.

When we first arrived, I naturally turned to one of the big four banks — it seemed like the easiest option. I had an account there, a tax file number, and a growing credit rating. But when it came time to apply for a home loan, I was shocked at how limited the options were.

Despite four years of banking loyalty and maintaining excellent credit, the big bank couldn't offer the range of lending products they expected. The process felt transactional, confusing, and lacked the personal guidance they needed. They knew there had to be a better way.

The Solution

That's when they discovered Ausfirst Lending and Director Richard Luke — and their entire lending experience transformed.

Everybody thinks working with a lender is just about getting the best deal. But that's only half the story. The other half is having someone by your side who understands the market — who knows how the big banks compare to the smaller ones and can help you make the right decision for your situation.

From the very first consultation, Richard's approach was different. He invested time to truly understand their needs, compared lenders across the market, and built a strategy that maximised flexibility and delivered long-term value.

But what impressed them most was the proactive, ongoing care that extended well beyond the initial loan settlement.

Without me even having to ask, Richard called to tell me he'd renegotiated my rate. He said, 'By the way, your mortgage repayment will be slightly less next month — I managed to secure you a new rate with your current bank.' That kind of initiative is rare.

The Results

Today, this family enjoys more than just a competitive loan — they have a trusted financial ally who continuously looks out for their best interests.

It's nice to know you've got somebody like that on your side. The flexibility, the service, and the painless process gave me peace of mind. I can focus on what I do best, knowing someone is managing my finances with care.

The relationship has grown far beyond a single transaction. After years of exceptional service, they've referred multiple friends and colleagues to Ausfirst Lending — each one experiencing the same personalised approach.

I've referred several mates to Ausfirst Lending as a result of the service I've received over the years. I'd recommend them to anyone — whether you're buying your first home or restructuring your mortgage.

Key Outcomes

Access to a wider range of lending products tailored to their situation
Lower interest rate negotiated proactively — without prompting
Smooth, painless application process from start to finish
Ongoing rate reviews and personal follow-ups as the market changes
Long-term trust leading to multiple referrals
Peace of mind knowing someone's always looking out for them

Why This Matters

This expat family's story highlights what sets Ausfirst Lending apart — a genuine focus on people, not just products. By blending deep market expertise with authentic care, Richard Luke and the team deliver more than loans — they deliver confidence, clarity, and lasting connection.

It opened my eyes to what's really possible when you have someone like Richard on your side.

Whether you're new to Australia, refinancing, or buying your first home, you deserve a broker who works for you — not the banks.

Discover the Full Range of Loan Solutions Available

Our lending solutions are tailored to fit a variety of property goals, financial profiles, and investment strategies. No matter your needs, we’ll help you find the right loan.

Home Ownership Loans

For buyers and homeowners managing their own property needs.

First Home Buyer Loan Options with Ausfirst Lending Group

First Home Loans

Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.

Start Your First Home Journey
Second Home Loans for Property Upgraders in Australia

Second Home Loans

Finance your next property with ease using our second home loan options.

Finance Your Next Property
Home Equity Loan

Home Equity Loan

Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.

Use Equity
Refinancing

Refinancing

Review and enhance your current mortgage terms with our refinancing options, designed to save you money.

Refinance and Save
Changing Home Loans

Changing Home Loans

Adapt your mortgage to suit your changing life circumstances with ease.

Adjust Your Loan Terms
Bridging Loans

Bridging Loans

Bridge the gap between buying and selling with short-term loan solutions.

Bridge Your Finance Gap

Investment Loans

Investment Loans

Investment Loans

Explore our investment loan solutions designed to help you build and grow your property portfolio.

Start Investing Now
SMSF Loans

SMSF Loans

Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.

Use SMSF to Invest
Trust Loans

Trust Loans

Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.

Finance with Trust Structure
Sophisticated Investor

Sophisticated Investor

Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.

Access Advanced Lending
Rentvesting

Rentvesting

Live where you love and invest where it counts with our rentvesting strategies.

Learn About Rentvesting
Holiday Home Loans

Holiday Home Loans

Own your dream holiday retreat with our tailored holiday home loan solutions.

Buy a Holiday Home

Property Improvement

Renovation Loans

Renovation Loans

Transform your property with renovation loans tailored for projects of any size.

Upgrade Your Home
Green Home Loans

Green Home Loans

Finance eco-friendly homes or upgrades with our green loan products.

Go Green with Financing

Commercial & Construction Loans

Commercial Loans

Commercial Loans

Secure finance for your business property needs with our commercial loan options.

Finance Your Business
Construction Loans

Construction Loans

Access funds in stages as construction progresses.

Construction Loans

Specialised Loan Solutions

LMI Waived Loans

LMI Waived Loans

Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.

See If You Qualify
LMI Waived Loans

Low-Deposit Home Loans

Tailored for self-employed professionals and business owners who may not have traditional income verification.

Simplified Documentation Loans
100% Offset Home Loans

100% Offset Home Loans

Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.

Reduce Interest
100% Offset Home Loans

Family Guarantee Home Loans

With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.

Leverage Family Support

Customised Loan Solutions for Professionals in Every Industry

We offer lending options specifically designed for healthcare professionals, educators, skilled trades, legal experts, and business owners—tailored to match your income patterns and career needs.

LMI Waived Home Loans for Healthcare Professionals

At Ausfirst Lending Group, we recognise that medical and healthcare workers require more than just a standard loan—they need a broker who understands their profession's demands. Whether you're a doctor, nurse, dentist, or allied health provider, we offer home loan solutions with personalised service, LMI waivers, and flexible lending structures suited to your career path. With Richard’s 30+ years of direct broking experience, you’ll benefit from a smooth, transparent, and expertly managed loan journey.

Home Loans for Doctors

Home Loans for Doctors

Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.

Get Doctor-Specific Rates
Home Loans for Nurses

Home Loans for Nurses

Flexible loan terms aligned with shift work schedules and frontline service benefits.

Explore Nurse Options
Home Loans For Chiropractors

Home Loans For Chiropractors

Mortgage options that recognise the cash flow patterns of clinic-based professionals.

Chiropractic Lending Solutions
Home Loans For Dentists

Home Loans For Dentists

Lending solutions tailored for high-earning professionals with private practice considerations.

Tailored Loans for Dentists
Home Loans For Optometrists

Home Loans For Optometrists

Customised loans for optometrists balancing practice ownership and salaried roles.

Explore Optometrist Packages
Home Loans For Pharmacists

Home Loans For Pharmacists

Designed to support pharmacists navigating retail, hospital, or business ownership income structures.

Mortgage Options for Pharmacists
Home Loans For Physiotherapists

Home Loans For Physiotherapists

Tailored lending for physiotherapists in private clinics or mobile practices.

Loans Designed for Physio
Home Loans For Psychologists

Home Loans For Psychologists

Loan programs suited to private practice psychologists and those in multidisciplinary clinics.

See Psychologist Lending Benefits

Home Loans for Education Professionals

Educators are at the heart of shaping future generations, and we’re committed to making their path to homeownership straightforward and rewarding. Whether you're a school teacher, childcare educator, university academic, or support staff member, we offer mortgage solutions that honour your contribution to the community. With tailored lending benefits and flexible loan terms, we simplify the process so you can focus on what you do best—educating and guiding others.

Home Loans for Teachers

Home Loans for Teachers

Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.

Discover Teacher Programs

Home Loans for Legal & Law Enforcement Professionals

Whether you work in law enforcement, legal services, emergency response, or defence, your role comes with unique responsibilities—and your home loan should reflect that. We offer mortgage solutions tailored to the demands of your profession, with flexible terms, dedicated support, and benefits that recognise your service.

From police officers and firefighters to lawyers and military personnel, we simplify the lending process to help you secure a home with confidence and clarity.

Home Loans for Lawyers

Home Loans for Lawyers

Structured home loans for legal professionals with scalable borrowing capacity as careers progress.

See Legal Lending Benefits
Home Loans for Police Officers

Home Loans for Police Officers

Reliable mortgage options designed for law enforcement with steady service incomes and allowances.

Secure Police Offers

Profession-Specific Home Loan Services

Home Loans for Tradies

Home Loans for Tradies

Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.

See Tradie Home Loans
Self Employed Loans

Self Employed Loans

Flexible lending tailored to business owners and freelancers with variable documented income.

Apply as Self-Employed
Home Loans For Accountants

Home Loans For Accountants

Structured loan solutions designed for accountants with layered income sources and business deductions.

See Accountant Lending Solutions
Home Loans For Accountants

Engineers

Lending options structured for engineers with contract-based or salaried employment structures..

Loan Packages for Engineers

Our Service Process

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Understand

We begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).

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Gather

We gather key information to validate your financial situation and lay the foundation for the right loan strategy.

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Analyse & Plan

We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.

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Apply

We prepare and submit your application to the lender, ensuring everything is in order.

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Finalise

We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.

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Support

We provide continuous support and review, offering updated loan options as your needs evolve over time.

Ready to Experience the Ausfirst Difference?

Let's have a conversation about your lending needs and how we can help you secure the right loan with confidence and clarity.