Home loans, explained clearly.
Kozy Finance helps buyers, homeowners and investors compare major banks and non-bank lenders and find a loan that fits. Service in English and Korean, from first chat to settlement.
No-obligation first chat · Clients across Australia
Services
How we can help
Home purchase
Pre-approval, deposit and cost planning, and a loan structured around your goals.
Refinance & cashout
Review your current loan, compare options, and access equity when it makes sense.
First home buyers
From government schemes and stamp duty concessions you may be eligible for through to pre-approval, we guide you through each step of buying your first home.
Investment loans
Structure and borrowing planning for investment property.
Low-Doc loans for the self-employed
Alternative documentation options for business owners, through non-bank lenders.
Two lending tracks
Major banks, plus non-bank alternatives
We start by checking what the major banks can do for your situation. If your income, documents or timing make a bank loan difficult, non-bank lenders offer more flexible assessment. They are usually priced higher than banks, so we recommend them only when they genuinely fit, and plan a path back to a bank where possible.
Track 1
Major & mainstream banks
Suited to applicants with straightforward income and documentation.
Track 2
Non-bank lenders
More flexible assessment for self-employed borrowers, complex structures or tight timeframes. Pricing is usually higher than banks.
How it works
From first chat to settlement
- 1
Chat
Tell us your goals, income and situation. We map out what is realistic.
- 2
Compare
We compare lenders and loan structures, and arrange pre-approval if you are buying.
- 3
Apply
We prepare your documents, lodge the application and handle the lender's questions through to approval.
- 4
Settle & review
We coordinate with your conveyancer through to settlement, then check in on your loan over time.
Contact
Talk to us
- Phone
- 0466 096 707
- Address
- Level 3/410 Concord Rd, Rhodes NSW 2138
- Hours
- Mon–Fri, 9am–6pm
- Languages
- English · 한국어