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Home loans for police
and emergency services

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.

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.

Book a Consultation Call Kosta
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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Why Code 1

You shouldn't have to explain
your payslip to your broker

Ten years on the other side of the desk

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.

We know your world

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.

Strategy, not just a home loan

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.

More than 45 lenders, one conversation

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.

Let's Have a Chat

Not sure what your next move should be?

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.

Early, late or around your roster. No pressure, just a conversation about where you're at and what your options might look like.

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