J & G★★★★★
FIRST HOME
“He guided us through every stage, and no question was ever too big or too small.”
Ringwood · Google review excerpt
Read client reviews
MORTGAGE & FINANCE ADVICE · MELBOURNE & GEELONG
Your home.
Your home.
Your people.
Your next chapter.
Trusted advice since 2011.
Whether you are buying your first home, making room for family, reviewing your loan or planning an investment, FRF helps you turn the decision into a clearer next step.
You do not need to be ready to apply. Bring your questions.
Clear advice.
Considered decisions.
A relationship for the long run.
Considered decisions.
A relationship for the long run.
START WITH YOUR SITUATION
What brings you here today?
Choose the decision on your mind. We’ll take you to relevant guidance and a clear next step.
Buying our first home
Deposit, borrowing, government support and the steps before an offer.
Explore first-home supportMaking room for family
Plan sale timing, purchase costs and borrowing around the move.
Plan the moveReviewing our home loan
Understand your current loan, costs and whether a change is worth exploring.
Review the optionsBuying an investment
Consider repayments, equity and lending alongside your property plan.
Explore investment financeSelf-employed plans
Bring business income and home plans into one finance conversation.
Prepare the pictureBusiness finance
Explore asset, commercial or cash-flow finance for your next step.
Talk business finance
PEOPLE FIRST · CLIENT EXPERIENCES
Feel supported.
Feel supported.
Understand your next step.
A home decision is personal. Hear how clients describe the support along the way.
G★★★★★
BUYING A HOME
“I received continual support & guidance along with clear & thorough communication throughout the process.”
Ringwood · Google review excerpt
Read client reviewsB & C★★★★★
REFINANCING
“Chris was always able to answer any questions we had very promptly.”
Bayswater · Google review excerpt
Read client reviewsSelected excerpts from Google reviews supplied by FRF, shown with initials. Individual experiences differ. Read our Google reviews ↗
2026 Broker Innovation Awards finalists ↗Metro Broker and Boutique Brokerage. Explore the categories and full award record.Understand how FRF is paid →Clear information about fees and commissions before you proceed.A panel of lending options →See the lenders FRF can access and how your circumstances guide the conversation.
A QUICK NUMBER CHECK
Start with an estimate.
Start with an estimate.
Then talk it through.
Try repayments first, or open the borrowing estimate. Keep the result as a starting point for a conversation.
Repayment calculatorEstimate monthly repayments and compare a higher rate.
REPAYMENTS
What could the repayment look like?
Estimate monthly repayments and compare with a rate 2% higher.
Borrowing capacity estimateExplore a planning figure based on your household budget.
BORROWING CAPACITY
What might be worth discussing?
Estimate a discussion figure from take-home income, costs, debts and the buffer you want to keep.
Buying costsDeposit, duty estimate, cash and buffer.
All calculator checksUse the three core planning tools in one place.
First-home supportUnderstand grants, schemes and buying steps.
Calculator results are estimates and general information only. They are not credit advice, financial advice, a pre-approval, a loan offer or a lender commitment.
YOUR FIRST CONVERSATION
Less uncertainty.
01 / YOUR PLANS
02 / YOUR NUMBERS
03 / YOUR NEXT STEP
Less uncertainty.
A clearer next step.
Tell us what matters.
Your home plans, household commitments and questions, not just the amount you want to borrow.
Put the estimates in context.
We discuss deposit, repayments, buying costs and the information a lender may need.
Know where to go from here.
Agree what happens next before moving towards an application or another decision.
Speak with ChrisPhone, video or office appointmentNo need to be ready to apply
MEET THE PERSON BEHIND THE ADVICEYour plans.
Your plans.
A conversation with Chris.
A first home, a growing family, a business or a fresh look at your loan. We start with what matters to you, then work through the options and practical next steps.
Our approach and the people behind it →Ringwood / Melbourne →Waterman Workspaces, Eastland.
Meet by appointment.Geelong →The Company Spot, Federal Mills.
Meet by appointment.
Meet by appointment.Geelong →The Company Spot, Federal Mills.
Meet by appointment.
Phone and video appointments are also available. Explore our service areas →
BEFORE YOU BOOK
A few quick answers.
Just exploring?
You’re welcome to start with questions. You don’t need to be ready to apply.
Is my calculator result an approval?
No. It’s a planning estimate. A lender needs to assess your details and the property.
Can we meet online?
Yes. Phone, video and office appointments are available.
Do I have to switch loans?
No. We’ll talk through your current loan and options first.
Awards & recognition
Our lender panel
FRF in the media
YOUR NEXT CHAPTER
You do not need all the answers.
You do not need all the answers.
Just a place to start.
Bring the question in front of you. We will talk through the next step together.