A bank can only offer its own products. Nostos Finance can assess your circumstances and explore suitable options across a broad panel of lenders. You’ll also receive strategic advice on how to structure your lending—not simply a comparison of interest rates.

In many standard residential lending matters, clients do not pay a separate broker fee. Nostos Finance is generally paid a commission by the lender after settlement. If a client fee applies to your circumstances, it will be clearly explained and agreed with you before any work begins.

Your borrowing capacity depends on your income, living expenses, existing debts, deposit, credit history and the policies of each lender. We’ll assess your position, explain the available options and help you understand what is realistically affordable—not simply the maximum a lender may approve.

This will depend on your situation, but commonly includes identification, payslips or income evidence, bank statements, details of existing debts and evidence of your deposit or savings. Self-employed applicants may also require tax returns and financial statements. We’ll provide a clear, tailored checklist so you know exactly what is required.

Approval times vary depending on the lender, the complexity of the application and whether all supporting documents are available. Once we understand your circumstances, we’ll give you a realistic indication of timing and keep you informed throughout the process.

Yes. We can assist with scenarios involving self-employed income, multiple properties, company or trust structures, SMSF property lending, refinancing and other non-standard circumstances. Complex lending policies, terminology and processes will be broken down and clearly explained at every step.