About Your Future First

Andy Tran is a qualified finance and mortgage broker with a bachelor’s degree in accounting. He is an active property investor, and passionate about educating clients towards financial success.

Your Future First finance specialists are professionals. We can help you find the right loan to best suit your circumstances.

There are many advantages working with Your Future First finance specialists:

- We have knowledge of a broad range of products from an extensive range of lenders in Australia.
- We take care of all the paperwork, working with the banks, your solicitor, and other professionals to ensure your transaction is smooth.
- We have a duty of care to provide honest and professional advice to our clients. Our conduct is governed by the National Consumer Credit Protection Act (NCCP) and the Australian Securities and Investments Commission (ASIC). We are responsible, ethical, and professional to ensure that you are protected. Rest assured that using our services is just as secure as going to your local bank.
- We work hard to get you the right home loan. Leveraging off our brand network and lending connections, we are often able to negotiate better rates and terms for you, at absolutely no extra cost.
- We save you time and money while you have a great and memorable experience working with us.

Our Complimentary Service

We love to celebrate seeing our clients take control of their financial future, paving the way to achieve their dreams.

At Your Future First we don’t charge any fees for our services. We are paid commission by lenders for bringing them business. This has no impact on loan rates or change the level of service we give our clients. By introducing new business to banks, lenders are saving money on business operations costs associated with acquiring and retaining customers.

Paperwork

Part of our responsibility in lending practices is to verify your identity, while making a reasonable enquiry into your financial situation. Trust that your details are treated with confidence and privacy, as outlined in our privacy policy.

Here is the documentation you will need to have ready for us:

- 100 points of ID – Drivers’ license, Passport, and Medicare card
- 2 most recent pay slips, and a recent PAYG summary or, ATO Notice of Assessment (if PAYG / Salaried)
- Last 2 years tax return and ATO notice of Assessment if self-employed (sole trader / Company)
- 3 months recent account statements showing salary credits, and saving statements (if purchasing)
- 6 months recent home loan statements (if refinancing)
- Latest council rates notice (if refinancing)
- Most recent months statement for all other bank accounts, credits, personal loans, car loans etc.
- Most recent Superannuation fund statement
- Most recent Life insurance and Income Insurance Policy statement.

We also will require more documentation depending on your situation.