About

Meet Kymberly, a

Meet Kymberly,

full-spectrum

a full-spectrum

Finance

Broker

finance broker

Assisting clients Australia-wide, Kymberly Rowles is a full-spectrum Finance Broker who handles every lending category - first homes, prestige vehicles, investment properties, commercial assets, SMSF and business lending. One trusted relationship for every stage of your financial journey.

Assisting clients Australia-wide, Kymberly Rowles is a full-spectrum Finance Broker who handles every lending category - first homes, prestige vehicles, investment properties, commercial assets, SMSF and business lending. One trusted relationship for every stage of your financial journey.

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Services

One broker for

every lending

category

Most brokers know one lane. Kymberly knows them all.

First home loans

Your first step, structured correctly. Set things up right from the beginning.

Car & equipment finance

From your first car to prestige vehicles and business equipment. Structured to suit your goals.

Refinancing

Your situation changes. Your lending should too. Find a better structure, not just a better rate.

Investment property loans

Strategic lending for your growing portfolio. Built around your numbers, not the bank's.

Commercial loans

Purpose-built lending for commercial property. Clear structure, from application to settlement.

Business loans (secured & unsecured)

Secured and unsecured options for businesses that are ready to move. Straightforward and efficient.

Self Managed Super Fund loans

Complex structures, handled with care. Specialist guidance for property within your self-managed super fund.

Personal loans

Flexible lending for life's other milestones. Handled with the same care as every other transaction.

First home loans

Your first step, structured correctly. Set things up right from the beginning.

Car & equipment finance

From your first car to prestige vehicles and business equipment. Structured to suit your goals.

Refinancing

Your situation changes. Your lending should too. Find a better structure, not just a better rate.

Investment property loans

Strategic lending for your growing portfolio. Built around your numbers, not the bank's.

Commercial loans

Purpose-built lending for commercial property. Clear structure, from application to settlement.

Business loans (secured & unsecured)

Secured and unsecured options for businesses that are ready to move. Straightforward and efficient.

Self Managed Super Fund loans

Complex structures, handled with care. Specialist guidance for property within your self-managed super fund.

Personal loans

Flexible lending for life's other milestones. Handled with the same care as every other transaction.

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Years Industry Experience

From fleet management to property development. Structured lending expertise, built over a career in finance.

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Deals Funded

From first homes to commercial assets, across every lending category.

$0M

$0M

Funded Loans

Kymberly has helped secure loans of all shapes and sizes.

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Lenders on Panel

More lenders means more options, and the right fit for your situation.

Free consultation

Get in touch

Why Kymberly?

Why choose

1st Street?

Not all Brokers are equal. Here is what sets 1st Street apart.

Not all Brokers are equal.
Here is what sets 1st Street apart.

Australia's Most Awarded Brokerage

Kymberly operates under the 1st Street banner - over 20 years of recognised industry experience behind every client outcome. Personal expertise. Institutional backing.

Access To Competitive Rates

High submission volumes give 1st Street clients access to preferential interest rates and lending solutions tailored to their unique financial goals and circumstances.

Faster Approvals. Smoother Process.

Long-standing relationships with every major bank and lender means less back-and-forth, faster turnaround times and a smoother path from application to settlement.

Free consultation

Free consultation

Get in touch

Get in touch

Lenders

Access to

40+

40+

lenders

More lenders means more options, and the right fit for your situation.

Case studies

Real deals with

Real Clients

Behind every deal is someone who needed
the right person in their corner.

Behind every deal is someone who needed the right person in their corner.

Growing a Business - One Adviser at Every Stage

Kymberly began working with this client in the early stages of his commercial cleaning business, arranging finance for his first work van to help him get established. The next milestone was funding for a family vehicle as his family grew, followed by finance for a second business van to support growing demand. Now, with plans to expand further over the next 12 months, Kymberly is restructuring his existing property lending and arranging a business overdraft to support cash flow as the business scales - ensuring both personal and business priorities remain aligned as the next stage of growth begins.

Lead Commercial Cleaning, VIC

Growing a Business - One Adviser at Every Stage

Kymberly began working with this client in the early stages of his commercial cleaning business, arranging finance for his first work van to help him get established. The next milestone was funding for a family vehicle as his family grew, followed by finance for a second business van to support growing demand. Now, with plans to expand further over the next 12 months, Kymberly is restructuring his existing property lending and arranging a business overdraft to support cash flow as the business scales - ensuring both personal and business priorities remain aligned as the next stage of growth begins.

Lead Commercial Cleaning, VIC

Growing a Business - One Adviser at Every Stage

Kymberly began working with this client in the early stages of his commercial cleaning business, arranging finance for his first work van to help him get established. The next milestone was funding for a family vehicle as his family grew, followed by finance for a second business van to support growing demand. Now, with plans to expand further over the next 12 months, Kymberly is restructuring his existing property lending and arranging a business overdraft to support cash flow as the business scales - ensuring both personal and business priorities remain aligned as the next stage of growth begins.

Client quotes or testimmonials can go here

Lead Commercial Cleaning, VIC

From Standing Still to Strategic Growth

After 10 years in the same home, the kids were grown up and had moved out. No prior thought about wealth creation or a plan for the future, this couple came to Kymberly to explore accessing equity for renovations. What followed was a decisive shift. Within six months, they renovated and sold their property, purchased two investment properties - one focused on long term capital growth and the other designed to deliver strong cash flow. They also relocated to a new city, purchasing their next family home. With a clear strategy in place, they were able to move quickly, transforming equity into opportunity and dramatically changing the trajectory of their life.

Sheridan L, QLD.

From Standing Still to Strategic Growth

After 10 years in the same home, the kids were grown up and had moved out. No prior thought about wealth creation or a plan for the future, this couple came to Kymberly to explore accessing equity for renovations. What followed was a decisive shift. Within six months, they renovated and sold their property, purchased two investment properties - one focused on long term capital growth and the other designed to deliver strong cash flow. They also relocated to a new city, purchasing their next family home. With a clear strategy in place, they were able to move quickly, transforming equity into opportunity and dramatically changing the trajectory of their life.

Sheridan L, QLD.

From Standing Still to Strategic Growth

After 10 years in the same home, the kids were grown up and had moved out. No prior thought about wealth creation or a plan for the future, this couple came to Kymberly to explore accessing equity for renovations. What followed was a decisive shift. Within six months, they renovated and sold their property, purchased two investment properties - one focused on long term capital growth and the other designed to deliver strong cash flow. They also relocated to a new city, purchasing their next family home. With a clear strategy in place, they were able to move quickly, transforming equity into opportunity and dramatically changing the trajectory of their life.

Client review or details goes here

Sheridan L, QLD.

Taking the Leap into Business Ownership

Kymberly first met this client as she prepared to take a major step and achieve a lifelong goal - opening her first private Women’s Imaging practice in country NSW, after decades of working for hospitals locally, in Sydney and OS. The first step was to secure funding for the specialist medical equipment, beds and machines, followed by an overdraft facility to support cash flow once the doors opened. We then restructured investment lending with a major bank, to prepare for additional equipment needed, in line with the future projections.

Central West Women’s Imaging, NSW.

Taking the Leap into Business Ownership

Kymberly first met this client as she prepared to take a major step and achieve a lifelong goal - opening her first private Women’s Imaging practice in country NSW, after decades of working for hospitals locally, in Sydney and OS. The first step was to secure funding for the specialist medical equipment, beds and machines, followed by an overdraft facility to support cash flow once the doors opened. We then restructured investment lending with a major bank, to prepare for additional equipment needed, in line with the future projections.

Central West Women’s Imaging, NSW.

Taking the Leap into Business Ownership

Kymberly first met this client as she prepared to take a major step and achieve a lifelong goal - opening her first private Women’s Imaging practice in country NSW, after decades of working for hospitals locally, in Sydney and OS. The first step was to secure funding for the specialist medical equipment, beds and machines, followed by an overdraft facility to support cash flow once the doors opened. We then restructured investment lending with a major bank, to prepare for additional equipment needed, in line with the future projections.

CLIENT REVIEW/DETAILS

Central West Women’s Imaging, NSW.

Testimonials

Hear from our

wonderful

clients

This is what working with the right Broker feels like.

  • Kym made what could have been a stressful process feel completely seamless. Her communication was clear, her guidance was confident, and she genuinely cared about the outcome. Highly recommend.

    Anita Amorim

  • Kym goes above & beyond in every sense. Her professionalism, knowledge & genuine care made a stressful process feel completely manageable. If you want someone truly committed to your outcome, choose Kym.

    Melanie Gregan

  • From first contact to settlement, the expertise and attention to detail were outstanding. Complex topics explained clearly, every requirement handled efficiently, and a result that arrived right on time. Genuinely grateful.

    Jilarc Filarmeo

  • Securing a first home felt far less daunting than expected. Every step was explained clearly, every detail considered - and the knowledge extended well beyond the loan itself. Could not recommend more highly.

    Tom Seddon

  • From application to driving away, the entire process was effortless. Professional, efficient and genuinely supportive - exactly what you want when navigating car finance.

    Jordy Lazarus

  • After a poor experience elsewhere, the difference was immediate. Clear explanations, genuine patience and communication that never left us guessing. Buying our home was far less stressful because of it.

    Tayla Penny

Free consultation

Get in touch

FAQs

Frequently

asked questions

asked

questions

Anything we missed? Contact us below.

Anything we missed?
Contact us below.

What is the difference between a Finance Broker and a Mortgage Broker?

A Mortgage Broker specialises in home loans only. A Finance Broker handles every lending category - property, vehicles, business, commercial assets and more. Kymberly is a Finance Broker. That means one trusted relationship, regardless of what you need to finance or when you need it.

Is a Broker better than going straight to my bank?

A Broker has access to a wide panel of lenders, not just one. That means more options, more competitive structures and advice that is tailored to your situation rather than limited to what one bank happens to offer.

Do I need a deposit before I can speak to a Broker?

No. In fact, speaking to a Broker early before you have saved a full deposit is often valuable. Understanding what you need and how long it will realistically take helps you plan with clarity rather than guesswork.

Does using a Broker cost me anything?

No. Brokers are paid by the lender once your loan settles. This is disclosed to you clearly and upfront before any application is made. If there are specific services that require a fee, this will be clearly disclosed upfront.

Contact

Get in touch

Whether you are buying your first home, your first car or building something bigger, let's map out what's possible.

Office

518 Old South Head Rd, Rose Bay NSW 2029

518 Old South Head Rd, Rose Bay NSW 2029

Email

kymberly@1ststreet.com.au

Telephone

0424 341 288

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