Good lending starts with the bigger picture.

Your home loan shouldn't be considered in isolation. We look at where you are now, where you're heading, and structure your lending with both in mind.

Book a Conversation What We Help With

Strategic finance. Calm clarity. Long-term impact.

The Approach

Finance for today.
Strategy for what comes next.

Getting a loan approved is one thing. Making sure it fits with what you're trying to achieve is another.

At Orb Finance, we take the time to understand the bigger picture before recommending a lender or loan structure. Whether you're buying a home, refinancing, investing or planning your next move, the goal is simple: make a well-informed lending decision today without losing sight of tomorrow.

With access to more than 45 lenders, we can look beyond one bank, compare suitable options and recommend a lending strategy built around you.

What We Help With

Four conversations we have most.

01

Buying a Home

Whether it's your first home or your next one, we'll help you understand your borrowing position, compare suitable lenders and structure your finance around the purchase.

From pre-approval through to settlement, we'll handle the lending so you can focus on the property.

02

Refinancing

A better rate can matter. But it's not the only reason to review your home loan.

We'll look at your current rate, loan structure, features and future plans to determine whether your existing lending still makes sense, and what alternatives may be worth considering.

03

Property Investment

The way you structure one property can affect what you're able to do with the next.

We'll consider borrowing capacity, equity, loan structure and lender selection with your broader investment plans in mind.

04

Lending Strategy

Sometimes the right move isn't simply choosing a loan.

Whether you're preparing for a future purchase, restructuring existing debt or working towards your next property, we can help you understand your options and what today's lending decisions could mean for tomorrow.

Why Orb Finance

Advice that starts with the plan, not the product.

01

Strategy Before Product

We start with what you're trying to achieve, not with a lender or interest rate. Once we understand the bigger picture, we can assess which lending options may fit.

02

More Than One Bank

Your bank can only offer its own products and policies. With access to more than 45 lenders, we can look more broadly and assess suitable options across the market available to us.

03

Experience Where It Matters

With more than a decade in banking and lending, including senior leadership and residential credit approval experience, I understand how lenders assess applications and what sits behind a lending decision.

04

Clear From Start to Finish

No unnecessary jargon and no leaving you wondering what happens next. You'll understand what we're recommending, why we're recommending it and where your application is up to.

Kosta Zorbas, Director of Orb Finance

Kosta Zorbas

Director & Mortgage Broker

Meet Your Broker

Dealing directly with the person doing the work.

I've spent more than a decade in banking and finance, with experience across residential lending, credit decisioning, customer retention and lending leadership.

Before starting Orb Finance, I spent years on the other side of the desk, including being entrusted to approve residential home loans up to $1.5 million. That experience taught me that getting finance approved is only part of the job. The lender you choose, the way the loan is structured and the decisions you make today can all influence what you're able to do next.

I started Orb Finance to bring that thinking to the client side of the table.

When you work with me, you're dealing directly with the person assessing your options, building your strategy and managing your application. Clear advice, direct access and no call centre.

How It Works

Five steps, start to settlement.

01

Initial Conversation

We start with a focused conversation about what you're trying to achieve, your financial position and what comes next.

Clear. Direct. No obligation.

02

Strategy & Assessment

We assess your income, borrowing position, existing lending and future plans before looking across suitable lenders and structures.

03

Recommendation

You'll receive a clear recommendation outlining the lending strategy, suitable options, repayments and key considerations.

No jargon. Just informed decisions.

04

Application & Settlement

Once you're ready to proceed, we prepare, package and manage your application through to settlement, keeping you informed along the way.

05

Beyond Settlement

Settlement isn't the end of the relationship.

We'll stay connected and review your lending over time as rates, circumstances and goals change, so you can make informed decisions about what comes next.

Start Here

The bigger picture starts with a conversation.

Whether you're ready to buy, reviewing your current lending or simply want to understand your options, start with a conversation. No pressure. No obligation.