You spend your working life looking after everyone else. This one was on us.
I'm Kosta from Code 1 Finance. I spent ten years working in lending with police and emergency services, and I've built a mortgage brokerage focused on helping this community make better lending decisions.
No catch. The coffee was simply our way of saying thanks.
Whether you're buying your first home, refinancing, investing or planning your next move, Code 1 helps you understand your options, choose the right lending strategy and manage the process from start to finish. We deal with the banks so you don't have to.
Before becoming a broker, I spent a decade in banking working extensively with police and emergency services. That experience gives me a strong understanding of how lenders assess applications, what matters to them and how different policies can affect your options.
Shift work. Overtime. Penalties. Allowances. Salary packaging. Novated leases. You shouldn't have to spend the first half of a conversation explaining how your job or your payslip works.
Getting a loan today is only part of the picture. We look at where you're heading next and structure your lending so today's decision doesn't unnecessarily limit tomorrow's options. A home loan is a product. A lending strategy is a plan.
Your bank can tell you what they can offer. We can help you understand your options across a much broader lender panel, including lenders built specifically for this community.
Understand your borrowing position, deposit options and where to start.
Work through your equity, borrowing capacity and the timing of your next move.
Find out whether your current home loan still stacks up.
Build your lending strategy around where you want to go next.
Navigate construction lending, lender requirements and progress payments.
Already spoken to your bank? Let us look at the bigger picture.
That's completely fine. You don't need to have everything figured out before we talk. Tell me a little about what you're looking to do and when it's easiest to reach you.