Frequently Asked Questions

Vestyn Financial offers flexible lending solutions tailored to a wide range of personal and business needs. We take a practical, understanding approach to your circumstances, offering fast approvals, personal service, and loan options from $100,000 to $20 million, depending on the product and borrower profile. Whether you're self-employed, consolidating debts, or navigating complex credit situations, we're here to help.

Here’s how it typically works:

1. Scenario Check – Submit your scenario to our team to see if we are able to assist with your financing needs.
2. Apply – Complete and submit our application form along with supporting documents directly to our team (applications@vestynfinancial.com.au).
3. Initial Review – We’ll contact you with an update, which may include conditional approval.
4. Provide Documents – Send us outstanding documents from the conditional approval letter.
5. Property Valuation – We’ll organise a valuation of the property.
6. Formal Approval – Once approved, you’ll receive a settlement pack with all the documents to sign.
7. Return Signed Documents – Our solicitor will check everything is properly signed and in order.
8. Set Settlement Date – A settlement date is confirmed, and you or your solicitor will be notified.
9. Settlement Completed – If all requirements are met, the loan settles and funds are released.

Certain properties require additional consideration and may not be accepted as security. 

Vestyn Financial offers loans for a range of purposes, including home purchase, refinancing, home improvements, debt consolidation, equity release/cash out, and business purposes.

Eligible borrowers include individuals, companies, and trusts. For trust or company loans, at least one borrower must be self-employed.

Yes, we consider Near Prime and Specialist loan options for applicants with minor defaults, discharged bankruptcies, or irregular mortgage history.