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Mortgage Brokers for Police & Emergency Services

Your bank has one answer.
I know what the other 44 would say.

I spent ten years inside the bank that serves this community, with authority to approve home loans up to $2 million. I know how lenders differ on policy, on what they'll count, on what they'll lend against, and which ones suit people who work the way you do. Now I'm on your side of the table.

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Who We Serve

Built exclusively for
those who keep us safe

Most brokers market to everyone. We focus on one community, police and emergency services professionals, because the way you're paid, the lender policies you qualify for and the structures that suit you are all different. Your broker should know that before you have to explain it.

Police Officers

Understanding overtime, allowances, and the unique pay structures of law enforcement.

Paramedics

Tailored lending for ambos who work around the clock to save lives in our communities.

Firefighters

Finance solutions that account for shift loadings, retained firefighter income, and more.

The Wider Service

From protective services and SES to corrections and patient transport, we understand the whole emergency services family.

Your Unfair Advantage

You're an expert in your job,
not in lending

There are four things that get between people who serve and the right lending decision. Code 1 exists to solve all four.

01

Complexity

Lender policy, credit appetite, servicing, deposit requirements, salary packaging, novated leases. It's a lot to work through on a rest day, and most of it is invisible from the outside. That's the part we handle.

02

Choice

Go direct to one bank and you get one credit policy and one answer. We hold a panel of more than 45 lenders, including ones built specifically for this community, and we know where your file is genuinely welcome.

03

Consequence

A home loan is a product. A lending strategy is a plan. The structure you choose today decides whether the next move, the upgrade, the investment, the renovation, is still available to you in five years.

04

Community

We work with police and emergency services, and nobody else. Not a segment of the business, the whole business. That focus is why we know the policies, the waivers and the lenders that apply to you.

Worth knowing: 81% of Australian home loans are now written through a broker rather than direct with a bank. Source: MFAA, 2025.

Kosta Zorbas, Director of Code 1 Finance

10

Years in ES Lending

Meet Your Broker

Kosta Zorbas

Director & Mortgage Broker

I spent ten years at BankVic working with police, emergency services and healthcare professionals, leading lending and retention and helping shape the policies that applied to them. I held authority to approve residential home loans up to $2 million, so I know what a credit team looks for and how a file needs to be put together. Through family in the industry I've also seen how shift work shapes everything. I started Code 1 Finance to put that experience on your side of the table.

I Know How Lenders Decide

Not just how your income is read, but credit appetite, servicing, LVR and the professional policies written for your occupation.

No Jargon, No Runaround

I'll give you straight, honest advice and walk you through every step from application to settlement.

I Work Around Your Roster

Early mornings, late nights, days off, I know your schedule isn't 9 to 5, so neither is mine.

Call Kosta
Our Services

Lending solutions tailored
to your service

Keys to a first home

First Home Buyer Loans

Navigate grants, stamp duty concessions, and guarantee schemes available to first responders buying their first home.

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Modern Australian home

Home Loans & Refinancing

Whether upgrading, downsizing, or refinancing, we structure the loan around where you are now and where you're heading next.

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City property investment

Investment Loans

Build your property portfolio with strategic lending advice that considers your full emergency services income package.

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Home under construction

Construction Loans

Building your dream home? We'll manage the complexities of construction lending with lenders who understand your income.

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Vehicle finance

Vehicle & Asset Finance

From your next car to equipment purchases, competitive asset finance with quick approvals to fit your lifestyle.

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Financial planning and consolidation

Debt Consolidation

Simplify your finances by consolidating multiple debts into one manageable repayment structure at a competitive rate.

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How It Works

The Code 1 Process

From first call to settlement, we keep things simple, transparent, and efficient, because your time is valuable.

01

Free Discovery Call

A relaxed 15-minute chat to understand your goals and how we can help. No pressure, no obligation.

02

Strategy & Assessment

We deep-dive into your income, payslips, allowances, and map out exactly what's possible.

03

Tailored Proposal

A clear, jargon-free proposal outlining your best options, rates, repayments, and pros and cons.

04

Application & Lodgement

We handle the heavy lifting, preparing, packaging, and submitting your application with precision.

05

Approval & Settlement

We manage the process through to settlement, keeping you informed at every step. Welcome to Code 1.

Latest Learning

Insights for those
who serve

Articles, guides, and market updates written specifically for emergency service workers navigating property and finance.

View all posts
Police officer on duty
Article

How Police Overtime & Allowances Boost Borrowing Power

Most lenders don't count shift loadings correctly. Here's how to ensure your overtime, penalties, and allowances are fully recognised.

5 min read
Couple receiving house keys
Guide

First Home Buyer's Guide for Emergency Services Workers

From first home grants and stamp duty concessions to the Family Home Guarantee, a complete breakdown of every benefit available to you.

8 min read
Financial market data
Market Update

RBA Rate Decision: What It Means for Your Mortgage in 2026

Breaking down the latest Reserve Bank decision and what it means for variable rate holders, fixed rate expiry, and your next move.

3 min read
Person reviewing financial documents
Article

Refinancing as a Paramedic: When Should You Switch?

Your EBA just changed and rates have moved. Here's how to work out whether switching actually leaves you better off, and when it doesn't.

4 min read
Access to 45+ Lenders Including
Ready to Get Started?

Let's get you the finance
you deserve

Book a free discovery call with Kosta. We'll work around your roster, because we know your schedule isn't 9 to 5. No cost, no obligation, and an honest answer either way.

Get in touch and Kosta will come back to you within 24 hours.

Book a Consultation Call Kosta
0476 805 082
kosta@code1finance.com.au