fREQUENTLY ASKED QUESTIONS
Our FAQ section should provide you with some of the most commonly asked questions.
If you do not find what you are looking for please get in touch.
What services does Kista Finance offer?
We provide tailored financial solutions including home and investment loans, business and commercial finance, SMSF loans, vehicle and equipment finance as well as equity release or reverse mortgage options for retirees.
Our objective is to provide comprehensive strategic financing support to help you achieve your goals.
What is a finance specialist/broker?
A finance broker acts as your advocate, helping you compare loan options from multiple lenders, negotiate competitive terms, and guide you through the entire application process. We simplify the complex landscape of finance so you can secure the right solution for your situation.
How is Kista Finance different from going directly to a bank?
Unlike a single bank, we have access to a wide panel of lenders — giving you more options and a higher likelihood of finding competitive rates and flexible terms.
We also provide strategic advice tailored to your goals, not just a transactional loan application.
Does Kista Finance work with both individuals and businesses?
Yes — we assist first home buyers, investors, commercial property buyers, business owners, and individuals seeking asset or equipment finance.
Every client receives tailored recommendations based on their unique situation.
Can you help first home buyers?
Absolutely — we support first home buyers with guidance through every step of the finance process, including understanding government incentives, structuring loans, and preparing for approval.
What types of loans can you help me secure?
We specialise in:• Home & Investment Loans• Equity Release and Reverse Mortgages• Business & Commercial Loans• SMSF Finance• Vehicle & Equipment Finance• Refinance and Debt Strategy Solutions
How do I get started with Kista Finance?
Simply reach out via our contact form or book a no-obligation consultation. We begin with an initial discussion to understand your needs and goals, then assess suitable options together
What happens during the first consultation?
During our first meeting, we review your financial position, discuss your goals, and outline possible strategies and loan structures. This helps us tailor the best pathway forward for you.
Do you charge fees for your services?
We will be transparent about any fees involved. Many broker services are paid by the lender upon successful settlement, meaning you may not pay upfront fees — but we’ll always explain the fee structure before you commit.
How long does the loan process take?
Timing varies by loan type, lender, and whether all documentation is ready. We work with you to streamline the process and keep communication clear, aiming for a smooth approval and settlement.
Can you help with refinancing?
Yes — if you’re looking to refinance your home loan, investment loan, or business finance, we can review your current setup and identify opportunities for better terms or cost savings.
Do you offer support after settlement?
Yes — our relationship continues beyond settlement. We can help with future reviews, refinancing opportunities, and evolving strategies as your circumstances change.
What documents will I need to apply for a loan?
Typical documents include proof of income, identification, bank statements, and details of assets/liabilities. We will provide a personalised checklist based on your needs.
Can you assist with finance planning and debt strategy?
Yes — we don’t just source loans but also help develop financial strategies to manage debt, protect assets, and support long-term wealth building.
Where are you located and do you offer virtual consultations?
We’re based on the Bellarine Peninsula in Victoria and offer both face-to-face appointments and remote consultations, giving you flexible options no matter where you are.