Find the Right
Home Loan Strategy Without the Bank Runaround
East Face Finance helps home buyers, investors, and refinancers across Australia secure smarter lending with expert guidance, personalised structuring, and support that continues long after settlement.
Find Out How Much You Can Borrow The Smart Way
50+
Lender Panel
AU
Australia-Wide Service
13+
Years Experience
∞
Ongoing Loan Reviews
Mortgage Decisions Shouldn't Feel This Complicated
Whether you're buying your first home, growing a portfolio, or refinancing, the process can feel overwhelming without expert support.
Endless Paperwork
Complex applications across multiple lenders mean mountains of forms, follow-ups, and calls. We handle the heavy lifting so you don't have to.
Too Many Options
With hundreds of loan products across 50+ lenders, knowing which one fits your situation is nearly impossible to assess alone without expertise.
Lending Solutions
Across Every Stage
Mortgage Decisions Shouldn't Feel This Complicated
Whether you're buying your first home, growing a portfolio, or refinancing, the process can feel overwhelming without expert support.
Endless Paperwork
Complex applications across multiple lenders mean mountains of forms, follow-ups, and calls. We handle the heavy lifting so you don't have to.
Too Many Options
With hundreds of loan products across 50+ lenders, knowing which one fits your situation is nearly impossible to assess alone without expertise.
Tight Timelines
Auction deadlines and settlement windows don't wait. Delays caused by inexperience or poor preparation can cost you the property entirely.
Self-Employed Complexity
Irregular income, complex tax structures, and non-standard documentation make self-employed lending a challenge many brokers shy away from.
Unclear Next Steps
Most people don't know where to start or what order to do things in. We lay out the process clearly from day one so you always know where you stand.
Poor Bank Communication
Banks are slow, impersonal, and only show you their own products. You deserve a broker who advocates for you across the whole market.
How East Face Finance Helps
A clear, proven process that takes you from confusion to confidence, every step of the way.
Understand Your Goals
We start with a free strategy session to understand your financial situation, property goals, timeline, and any unique circumstances, self-employment, investment structures, and everything in between.
Compare Suitable Options
We search our panel of 50+ lenders to find the most suitable products for your specific needs, comparing rates, features, and lender appetite for your exact borrower profile.
Manage End to End
From application to settlement, we handle the paperwork, liaise with lenders, and keep you informed. Our support and portfolio reviews continue long after settlement.
Lending Solutions
Across Every Stage
Lending Solutions Across Every Stage
From your first home to your fifth investment property and every scenario in between.
Home Loans
Owner-occupied finance with strategic structuring to optimise your rate, offset, and long-term flexibility.
Refinancing
Lower your rate, consolidate debt, unlock equity or restructure your loan to suit where you are today.
First Home Buyers
Guidance from deposit strategy and pre-approval right through to settlement. We make the confusing feel simple.
Investment Loans
Strategic investment lending tailored to your portfolio goals, tax position, and long-term property strategy.
SMSF Lending
Expert support for self-managed super fund property acquisitions, strategy, structuring, and trusted referral partners.
Commercial Finance
Acquire or remortgage commercial property with competitive rates and structures aligned to your business goals.
Car Loans
Flexible car finance for private sales and dealerships, negotiated on your behalf with terms in your best interest.
Equipment Finance
Fund the tools and equipment your business needs with tailored financing and quick approval turnarounds.
Recent Deals We've Settled
Every client comes with a unique situation. Here's how we've helped people just like you.
Self-Employed Investor
Refinanced at 1.4% Lower, Plus Investment Pre-Approval Secured
Jimmy, owner of a successful carpentry business, needed to refinance his existing mortgage and gain pre-approval for a new investment property. His complex tax returns had limited his options with traditional banks, East Face Finance navigated the documentation challenges and repositioned him with a leading lender who understood his profile.
Outcomes :
Rate refinanced 1.4% lower than original
$3,000 cashback rebate secured from new lender
Investment property pre-approval obtained
Family Refinance + Renovation
$200K Renovation Finance, No LMI, Fully Managed Remotely
Candace (a lawyer) and Louis (a doctor) in Townsville needed $200,000 to renovate for their growing family. They had insufficient equity, concerns about LMI, and schedules that made traditional back-and-forth impossible. East Face Finance managed the entire process remotely, from lender selection to settlement.
Outcomes :
$200,000 renovation finance approved
Zero LMI payable, saving thousands upfront
Home + investment loans both refinanced at improved rates
First Home Buyer
Strategic Guidance Helped Carmelo Save Thousands
Carmelo, a pharmaceutical sales professional and share market investor, had questions about how much to put down as a deposit versus keeping funds invested. East Face Finance built dynamic financial models across different deposit amounts, repayments, and scenarios, empowering him to make a decision that saved him thousands.
Outcomes :
Custom financial models for informed decision-making
Thousands saved through optimised deposit structuring
Referral to trusted financial advisor for portfolio management
East Face Finance vs Your Bank
Independent advice always beats in-house product pushing. Here's why :
What Our Clients Say
Real feedback from Australians who trusted East Face Finance with their lending decisions.
"This was our third property purchase but first time using a Mortgage Broker and I wish we had found George at East Face Finance sooner. He negotiated the best home loan rate and made the application process very quick and easy. We highly recommend East Face Finance and will certainly use again."
"Dealing with George from East Face Finance was an absolute pleasure. As we were looking to refinance to take advantage of some of the opportunities in market, we found George to be the most professional and responsive out of all options we looked into. We were well informed, supported through the process with great ease and achieved a great outcome.We would confidently and highly recommend George."
"We found George to be knowledgeable, efficient and competent in providing us with the best possible solution for both the mortgage on our home and our investment property. We would confidently and highly recommend East Face Finance."
Questions We Get Asked Every Day
Transparent answers to the most common questions about working with a mortgage broker.
Do mortgage brokers charge fees to clients?
In most cases, no. East Face Finance is paid a commission by the lender upon successful settlement of your loan. There is no cost to you for our standard mortgage broking service. We are always transparent about any fees before you proceed, so there are never any surprises.
How many lenders do you compare?
We have established connections with over 50 lenders, including major banks, regional banks, credit unions, non-bank lenders, and specialist lenders. This breadth of options means we can find solutions for a wide range of borrower profiles, including those who may not qualify with mainstream banks.
Can you help self-employed borrowers?
Absolutely. We have extensive experience structuring loans for self-employed borrowers, including sole traders, company directors, contractors, and business owners. We know which lenders are most receptive to self-employed applications and how to present your case effectively.
What documents are typically needed?
Standard documents typically include photo ID, recent payslips or tax returns, bank statements (usually 3-6 months), and details of the property you're purchasing or refinancing. We'll give you a tailored checklist during your initial consultation based on your specific situation.
Can you help self-employed borrowers?
Yes, refinancing is one of our most requested services. Whether you're looking to secure a lower rate, restructure your loan, access equity for renovations, or consolidate debts, we'll analyse your current loan and compare it against all available options.
How long does loan approval take?
Pre-approvals can often be obtained within 1-3 business days for straightforward applications. Full formal approval typically takes 3-10 business days. We work to expedite the process and keep you informed at every stage to avoid unnecessary delays.
Can you help me refinance my existing loan?
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What is borrowing capacity and how is it calculated?
Borrowing capacity is the maximum amount a lender will let you borrow, based on your income, expenses, existing debts, dependants, and the lender's own assessment criteria. Each lender calculates this differently, which is why working with a broker can significantly increase your options. We'll model your borrowing capacity and identify strategies to maximise it where appropriate.
Can I buy an investment property if I already have a mortgage?
In many cases, yes. It depends on your equity, income, existing debt levels, and how your current loan is structured. We'll assess your situation and advise on the most efficient way to structure your portfolio to maximise borrowing capacity and tax efficiency.
What happens after my loan settles?
Settlement isn't the end, it's the start of an ongoing relationship. East Face Finance conducts regular portfolio reviews to ensure your loan remains competitive as market conditions change. We'll alert you to refinancing opportunities, rate changes, and ways to leverage equity as your wealth grows.
Let's Build a Smarter Lending Strategy
Book a free, no-obligation consultation and get clarity on your next property move, whether you're buying, refinancing, or investing.
No obligation | Free consultation | Australia-wide | 50+ lenders
East Face Finance Pty Ltd (CRN 524812) & George Kozah (CRN 473930) are authorised under Australian Credit Licence Number 389328. Privacy Policy. The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a mortgage adviser.
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