Boutique mortgage broking with a focus on strategy and structure.
Personalised lending solutions for professionals, business owners, and investors.
Tools to help plan your borrowing and finance strategy.
ABOUT
Work Directly with an Experienced Finance Specialist
Kosta Finance was founded to deliver a more strategic and considered approach to mortgage broking.
The business specialises in structuring lending solutions that align with long-term financial objectives, rather than simply securing approvals. With a strong focus on precision, lender alignment, and forward planning, Kosta Finance supports professionals, business owners, and property investors with more complex lending requirements.
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Every engagement is managed directly by Principal Broker Con Toskas, ensuring a high level of consistency, accountability, and clarity from initial strategy through to settlement and beyond.
Your Finance Specialist
Con Toskas
Principal Broker
Phone: 0412 220 320
Email: con@kostafinance.com.au
Con Toskas is a finance specialist with over 25 years of business and commercial experience.
As a professional investor and business owner, Con brings a practical, real-world understanding of lending, risk, and long-term wealth creation. This perspective allows him to approach mortgage broking with a focus on structure and strategy — ensuring each lending decision supports broader financial objectives, not just immediate outcomes.
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He works directly with every client, providing clear advice, considered structuring, and a level of involvement that ensures consistency and precision throughout the entire process.
OUR APPROACH
Finance Structured Around Your Goals
Kosta Finance was established to provide a more strategic and personalised approach to mortgage broking. Every lending solution is carefully considered to ensure it aligns not only with immediate requirements, but also with broader long-term financial objectives.
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Clients work directly with Principal Broker Con Toskas throughout the entire process — from initial strategy and lender selection through to settlement and ongoing support.
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What Clients Can Expect
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Direct communication and personalised service
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Clear, practical lending advice
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Strategic loan structuring
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Access to a broad panel of lenders
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Consistency and accountability throughout the process
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Lending solutions tailored to individual circumstances
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Ongoing support beyond settlement
Our Partners
Services
First Home Buyers
Guidance and support for buyers entering the property market for the first time. Kosta Finance helps structure lending solutions clearly and confidently, while assisting with grants and available government schemes.
Home Loans
Tailored owner-occupied lending solutions designed around your financial position, goals, and long-term plans. Access competitive loan options with clear, strategic advice throughout the process.
Investment Loans
Strategically structured lending solutions designed to support long-term wealth creation and investment performance. Lending structures are carefully aligned to your broader financial objectives.
Commercial Loans
Commercial and business lending solutions tailored to your objectives, structure, and servicing requirements. Support is provided across commercial property purchases, refinancing, and business finance needs.
Bridging Loans
Flexible short-term finance solutions to assist with purchasing a new property before selling an existing one. Strategic guidance helps ensure the structure aligns with your transition plans and cash flow requirements.
Asset Finance
Finance solutions for vehicles, equipment, and business assets with access to a range of competitive lending options. Suitable for both personal and commercial asset purchases.
Refinancing Solutions
Review and restructure existing lending to improve flexibility, cash flow, or long-term financial outcomes. Refinancing may assist with debt consolidation, equity access, or more suitable loan structures.
Testimonials
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CALCULATOR
Use our mortgage calculators to estimate how much you can borrow.
We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input.
Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Kosta Finance before placing your deposit or purchasing any property.
CONTACT
Start the Conversation
Whether you are purchasing your first home, growing a property portfolio, refinancing existing lending, or seeking more complex finance solutions, Kosta Finance provides strategic, personalised lending advice tailored to your circumstances.
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Every enquiry is managed directly by Principal Broker Con Toskas, ensuring clear communication, consistency, and a considered approach throughout the process.
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Get in touch to discuss your lending goals and explore the right finance solution for your needs.
The privacy of your personal information is important to us. By providing your personal information to Kosta Finance, you consent to be contacted by a representative of Kosta Finance from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you. Click <here> to view our full Privacy Policy.