svg

Your Trusted Mortgage Brokers

    About Us

    Managing Director & Founder
    Meet Josh

    Hello, I’m Josh Abrahim, Founder and Managing Director of First Choice Home Loans (FCHL).

    With more than 25 years of experience in the Australian mortgage and finance industry, I’ve built my career on helping individuals, families and business owners achieve their property goals with confidence. Since commencing as a mortgage broker in 2001 and founding FCHL in 2006, I’ve successfully assisted thousands of clients with everything from first home purchases and refinances to complex self-employed, commercial and development finance solutions.

    Holding a Diploma of Finance and Mortgage Broking Management and an Australian Credit Licence, I take pride in providing strategic, personalised advice backed by experience, integrity and a genuine commitment to achieving the best possible outcome for every client.

    At FCHL, we believe finance is about more than securing a loan—it’s about building long-term relationships and helping our clients create wealth and financial security. Whether you’re purchasing your first home, growing your investment portfolio or seeking tailored lending solutions, my team and I are committed to making the process straightforward, transparent and stress-free.

    Your goals become our priority, and we’re here to guide you every step of the way.

    About Me

    Helping people achieve their property goals has been the driving force behind my career for more than 25 years. I believe that every client deserves honest advice, tailored finance solutions and a broker who genuinely puts their interests first.

    As the Founder and Managing Director of First Choice Home Loans (FCHL), I have assisted thousands of individuals, families and business owners to purchase their first home, refinance existing loans, build investment portfolios and secure finance for complex lending scenarios.

    My commitment to exceptional client outcomes has been recognised through industry awards, including the Outsource Elite Broker Award, reflecting my dedication to professionalism, integrity and customer service. However, my greatest achievement is the long-term relationships I’ve built with clients who continue to trust me with their finance needs and confidently refer their family and friends.

    Every client’s circumstances are unique, and I take the time to understand their goals before developing a lending strategy that supports both their immediate needs and long-term financial success. Whether you’re buying your first home, refinancing, investing or growing your business, my team and I are committed to making the finance process simple, transparent and stress-free.

    FCHL Team

    Josh

    Director / Founder

    Layla .I

    Lending Specialist

    Helal .I

    Lending Specialist

    Nakul .S

    Lending Specialist
    Senior

    Mohammed .M

    Islamic Finance & Sharia-Compliant Lending Specialist

    Heidar .A

    Head of Growth NSW & Senior Finance Broker
    Senior

    Rafael .A

    Senior Lending Specialist

    Daniel .T

    Lending Specialist

    Mohammed .A

    Head of Growth VIC & Senior Finance Broker

    Aamir .S

    Islamic Finance & Sharia-Compliant Lending Specialist

    Serene .A

    Lending Specialist

    Why choose us as your Mortgage Broker?

  • Expertise and Knowledge:
    Our comprehensive understanding of the finance and mortgage industry allows me to provide you with strategic solutions tailored to your unique financial situation and long-term goals. I stay updated with the latest market trends, interest rates, and lending policies to ensure you receive the most relevant advice.

  • Two Decades of Experience:
    With a successful track record spanning two decades, We bring a wealth of experience and insights to the table. From first-time homebuyers to seasoned investors, Our clients benefit from my in-depth understanding of various scenarios and financial complexities.

  • Personalized Approach:
    No two clients are the same, and we believe in offering personalized solutions that align with your specific requirements. We take the time to understand your financial aspirations, future plans, and risk tolerance to curate mortgage options that suit you best.

  • Strong Industry Network:
    We have built strong relationships with a diverse network of reputable lenders, allowing us to access exclusive mortgage rates and terms that may not be readily available elsewhere.

  • Transparency and Integrity:
    Trust is at the core of our business values. We maintain complete transparency throughout the mortgage process, ensuring you are fully informed and empowered to make well-informed decisions.
  • As your dedicated mortgage broker, We are committed to providing you with exceptional service, honest advice, and seamless transactions. Let's collaborate to turn your homeownership dreams into reality. Contact me today to schedule a consultation and take the first step toward a brighter financial future.