Offices in Brisbane, Sydney, Melbourne, Perth, Canberra, Gold Coast, Sunshine Coast, Toowoomba, Cairns, Launceston.
Former bankers · Access to 100+ lenders · Australia wide
Finance for every stage, structured properly.
Home, investment, commercial and SMSF lending, structured by former commercial bankers. Access to 100+ lenders, one considered recommendation.
Structure first. The rate follows.
- 01Former commercial bankers
- 02Access to 100+ lenders
- 03A director on every file
- 04A reply within one business day
Who we help
Start with where you are.
01First Home Buyers
Your first home is closer than your feed suggests.
A director maps your real borrowing power in plain English.
Plan your first home
02Refinance
Your bank hasn't called in two years. There's a reason.
A director reviews your loan against the 100+ lenders we have access to.
Review your loan
03Investors
Your equity is doing nothing.
Usable equity mapped properly, not guessed from an online estimate.
Structure your next purchase
04Complex Income
Complex income, read properly. Not treated as a problem.
A director reads your financials, not a processing centre.
Get your income read properly
05Business, Commercial & Asset Finance
Finance the plan, not the panic.
Working capital structured around your actual cash cycle.
Talk through business financeTools
Run your own numbers first.
19 calculators, free and instant. No email required to use them.
All calculators- 01Buying a homeBorrowing powerHow much you could borrow, assessed the way lenders actually do it, with the 3% APRA buffer applied.
- 02Buying a homeStamp dutyState-by-state transfer duty with first home buyer concessions applied. All eight states and territories.
- 03RefinancingRefinance savingsWhat your current rate is costing you, your break-even on switching costs, and the five-year picture.
- 04Self-employed & complex incomeSelf-employed incomeNet profit plus potential add-backs, to illustrate how a lender might read your income.
Numbers looking good?
A director will run them properly across the 100+ lenders we have access to and tell you what's actually achievable.
Why Finstac
Structure first. The rate follows.
Most brokers start with the rate. We start with the structure. How your lending is set up decides what you can do next: buy again, release equity, restructure, or grow a business without hitting a wall.
Finstac was founded by people who spent their careers in commercial banking, investment banking and wealth management. We look at your file the way a credit team will, then structure it so the answer still works for you in five years.
- 01Structured for the next move.Offset, splits, lender spread and ownership, set up for where you are heading rather than just this purchase. The wrong structure costs more than the wrong rate.
- 02A director on every file.The person who assesses your position stays with it through to settlement. You always know who is looking after you.
- 03Every option, explained plainly.Before you commit you see the realistic options, what each one costs and what it gives up. Then you decide.
- 04Honest about timing.If the right answer is not yet, we will say so, and show you exactly what to fix and roughly how long it takes.
- 15+
- Years in banking and finance
- 100+
- Lenders we have access to
- 100%
- Of files handled by a director
- 1 day
- Typical reply time, or faster
Finstac Pty Ltd, Credit Representative 582083, authorised under Elders Home Loans Pty Ltd, Australian Credit Licence 384408.
Lender access
Access to 100+ banks and specialist lenders, including:
Plus many more specialist and private lenders
Client work
What this looks like in practice.
Illustrative examples based on typical client scenarios. Individual circumstances, lender policies and outcomes vary. Not a guarantee of approval, savings or any particular result.
The process
How it works.
Tell us what you're trying to do
A quick conversation gives us the context: your goal, your timeline and where you're up to.
We assess your position
We look at your circumstances, objectives and the lending options actually available to you across the lenders we have access to.
We structure the strategy
We identify an appropriate lending approach, and explain the trade-offs in plain English before you commit.
We handle the process
From application through to settlement, we stay involved and keep you updated.
Our people
The people behind Finstac.
A small senior team, by design. You deal directly with the people who built the business, from the first conversation through to settlement.
Meet our people
Knowledge
The latest from us.
Ready when you are.
Three quick questions, then a director comes back to you within one business day. No obligation, and we'll tell you honestly if the answer is “not yet”.