Hi, I’m David Curtis, Founder and Principal Mortgage Broker at First State Home Loans.
Born and raised in Sydney’s southern suburbs, I bring over 30 years of experience in the financial services industry. This includes 10 years working with National Australia Bank, along with 12 years at global banking institutions. I am also a qualified real estate agent and hold a Master’s Degree in Applied Finance and Investment through FINSIA, as well as a Bachelor of Commerce from Western Sydney University.
I live locally near the Georges River with my wife Sandy and our three children, and I have strong personal and professional ties throughout the Sutherland Shire, Georges River, Canterbury-Bankstown, Liverpool, and Campbelltown regions. This local knowledge allows me to better understand the needs of Sydney families, homeowners, and investors.
In my spare time I volunteer in various community sporting groups as a qualified Coach and Sports Trainer. These groups include St Josephs Junior Rugby League, and various other grass roots rugby league and Oztag associations. My NRL team is the Manly Warringah Sea Eagles, and I am a member of Hurstville Golf Course.
Hi, I’m Jack Andrew, Founder and Principal Mortgage Broker at First State Lending. I’m excited to partner with David and the team at First State Home Loans to help even more clients navigate the home loan and finance process with confidence.
Based in Mortdale in Sydney’s southern suburbs, I bring over 27 years of experience in the financial services industry. This includes extensive work in both commercial and home lending at major Australian banks, including National Australia Bank, Commonwealth Bank, Westpac and ANZ. I founded First State Lending in 2015, where my focus has always been on delivering the very best customer service, clearly explaining all options, and building relationships that continue well beyond settlement.
I have strong local ties throughout the St George, Georges River, Sutherland Shire, and surrounding southern and south-western suburbs. This local knowledge allows me to better understand the needs of Sydney families, homeowners, property investors, and self-employed professionals.
Away from work, I enjoy spending time on the water and have a passion for sailing, and in particular racing. I compete regularly in both inshore and offshore events including iconic races such as the Rolex Sydney Hobart Race, Rolex Fastnet Race (UK/France) and the Rolex Middle Sea Race (Malta). My sailing has also allowed me to meet many wonderful people and clients. I am a member of the St George Sailing Club, the Manly 16ft Skiff Sailing Club and volunteer committee member of several community groups. I’m a long-suffering fan of the St George Illawarra Dragons.
We believe in transparency, honesty, and genuine support. No hidden fees, no pressure sales – just clear advice and the best possible outcome for you.
First State Home Loans was established to help local families, first home buyers, property investors, and self-employed professionals navigate the home loan and finance process with confidence. What began as a passion for making finance fair, transparent, and accessible has grown into a trusted Sydney mortgage brokerage, now supporting clients across the southern and south-western suburbs, Greater Sydney, NSW, and Australia-wide.
Clear advice to help families & individuals buying their First Home, Upgrading or Downsizing, while maximising financial outcomes.
Support to secure better interest rates, reduce monthly repayments, or access equity for renovations or investments.
Strategic lending advice to help build, restructure, and grow a property portfolio, including for via self-managed super.
Flexible loan solutions designed for business owners, contractors, and people with non-traditional income structures.
We work with a wide range of clients, tailoring solutions to suit individual needs. Our expertise includes:
First State Home Loans works with clients across Sydney, the southern and south-western suburbs, NSW, and Australia-wide, providing tailored mortgage and finance solutions.
Each service is delivered with a focus on clarity, efficiency, and personalised solutions. We take the time to explain your options, helping you make informed decisions without feeling overwhelmed.
Guidance through the buying process, including eligibility for government grants, incentives, and low-deposit loan options.
Support to secure better interest rates, reduce monthly repayments, or access equity for renovations or investments.
Strategic lending advice to help build, restructure, and grow a property portfolio efficiently.
Flexible loan solutions designed for business owners, contractors, and freelancers with non-traditional income structures.
Specialist advice for purchasing residential property through a self-managed super fund, with a focus on compliance and long-term outcomes.
Clear advice to help families transition smoothly into their next property while maximising financial outcomes.
At First State Home Loans, our mission is to combine expertise, integrity, and personalised service. As your dedicated mortgage broker, we aim to simplify finance, deliver tailored solutions, and guide you confidently through every stage of your property journey.
We understand that every client’s situation is unique. That’s why our approach is flexible, transparent, and focused on your long-term financial well-being. Your goals are our priority, and we measure our success by your satisfaction.
While we are a trusted local mortgage specialist in Sydney, our services extend beyond the city limits. We provide professional advice to clients across NSW and offer remote consultations for clients Australia-wide.
