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Mortgage Brokers for Police & Emergency Services

You look after everyone else.
Let us look after your home loan.

Your pay includes overtime, penalties, allowances. But all lenders treat these differently, meaning it can impact the success of a loan application and the deal they offer.

You benefit from my inside knowledge of bank lending systems, how applications are assessed, who reads them and what they're looking for.

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Who We Serve

Built exclusively for
those who keep us safe

Most brokers market to everyone. We focus on one community, police, emergency services and healthcare professionals, because the way you're paid, the lender policies you qualify for and the structures that suit you are all different. Your broker should know that before you have to explain it.

Police Officers

Overtime, allowances and the pay structures unique to law enforcement.

Paramedics

Tailored lending for ambos working around the clock in our communities.

Firefighters

Shift loadings, retained firefighter income and everything alongside it.

The Wider Service

Nurses, allied health, protective services, SES, corrections and patient transport.

Meet Your Broker

Kosta Zorbas

Director & Mortgage Broker

I spent ten years at a specialist member-owned bank dedicated to police, emergency services and healthcare professionals, leading lending and retention and working closely with the policies that applied to them. I was entrusted to approve residential home loans up to $1.5 million, so I know what a credit team looks for and how a strong application needs to be put together. My wife is a paramedic, so I've also seen first-hand how shift work, overtime and irregular hours shape life outside the job. I started Code 1 Finance to put that experience on your side of the table.

I Know How Lenders Decide

Not just how your income is read, but credit appetite, servicing, LVR and the professional policies written for your occupation.

No Jargon, No Runaround

I'll give you straight, honest advice and walk you through every step from application to settlement.

I Work Around Your Roster

Early mornings, late nights, days off, I know your schedule isn't 9 to 5, so neither is mine.

Your Unfair Advantage

You're an expert in your job,
not in borrowing

Four things stand between people who serve and the right lending decision. We call them the four C's, and Code 1 solves for all of them.

Complexity

Lender policy, credit appetite, servicing, deposit requirements, salary packaging, novated leases. It's a lot to work through on a rest day, and most of it is invisible from the outside. That's the part we handle.

Choice

Go direct to one bank and you get one credit policy and one answer. We hold a panel of more than 45 lenders, including ones built specifically for this community, and we know which ones understand your profession.

Consequence

A home loan is a product. A lending strategy is a plan. The structure you choose today can shape whether the next move, the upgrade, the investment, the renovation, is still available to you in five years.

Community

This community means more to us than business. For every loan that settles with Code 1 Finance, we make a donation to an emergency services charity of your choice. It's our way of giving back to the people who give so much.

Worth knowing: 81% of Australian home loans are now written through a broker rather than direct with a bank. Source: MFAA, 2025.

Our Services

Lending solutions tailored
to your service

Keys to a first home

First Home Buyers

Navigate grants, stamp duty concessions, and guarantee schemes available to police and emergency services buying their first home.

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Modern Australian home

Purchase, Upgrade or Refinance

Whether upgrading, downsizing, or refinancing, we structure the loan around where you are now and where you're heading next.

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City property investment

Investment Loans

Build your property portfolio with strategic lending advice that considers your full emergency services income package.

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Home under construction

Construction Loans

Building your dream home? We'll manage the complexities of construction lending with lenders who understand your income.

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Vehicle finance

Vehicle & Asset Finance

From your next car to equipment purchases, competitive asset finance with quick approvals to fit your lifestyle.

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Financial planning and consolidation

Debt Consolidation

Simplify your finances by consolidating multiple debts into one manageable repayment structure at a competitive rate.

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Access to 45+ Lenders Including
Ready to Get Started?

Let's review your finances
and get them in order

Book a free discovery call with Kosta. We'll work around your roster, because we know your schedule isn't 9 to 5. No cost, no obligation, and an honest answer either way.

Book a Consultation Call Kosta
0476 805 082
kosta@code1finance.com.au