Frequently Asked Questions

What is Finance on the Coast?

Finance on the Coast is a team of experienced mortgage brokers with backgrounds in major Australian banks.

We specialise in lending structure and understanding how different loan scenarios are assessed, including more complex situations.

Our role is to provide credit assistance and mortgage broking services and to explain how lending may apply to individual circumstances before any application is made.

What is the purpose of this website?

This website exists so people can make contact with a mortgage broker, outline their situation, and arrange a conversation.

It is a point of contact and enquiry platform, not a financial advice or education website.

Is submitting this form an application?

No. Submitting this form is an enquiry only.

It allows a broker to review your situation and contact you to discuss next steps.

No loan application is lodged at this stage.

What happens if I decide to proceed?

If you choose to proceed, you will be issued with a Credit Guide, and we will complete a Preliminary Assessment and a Consumer Credit Proposal before any application is lodged with a lender.

These steps ensure you understand the process, the scope of our services, and how lending may apply to your circumstances before proceeding.

What about the application itself?

A formal loan application is a separate step that occurs after the preliminary assessment and consumer credit proposal are completed.

It involves supporting documents and is subject to lender assessment and approval.

Nothing is submitted to a lender without your knowledge and consent.

Who is this service for?

This service is for people seeking assistance with a home loan, investment loan, or refinancing, including those with straightforward or more complex circumstances.

Do I need to have everything worked out before contacting you?

No. Many people contact us to clarify their options or understand how lending works before making decisions.

You do not need a final plan or exact figures to start a conversation.

Is there a cost to speak with a broker?

There is no cost to have an initial discussion or explore your options.

Most home loans do not involve a direct fee to the client. If a fee does apply in a particular situation, this will be discussed upfront before you proceed.

Who holds the credit licence?

Finance on the Coast operates under the Australian Credit Licence held by Model Mortgages Pty Ltd.

We provide credit assistance and mortgage broking services and do not provide personal financial advice.

How is my information handled?

Your information is handled in accordance with our Privacy Policy and is used only for the purpose of assessing your enquiry and, if you proceed, assisting with a loan application.