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10+
Years Frontline Experience
100%
Personally Managed Service
40+
Lenders Available
1:1
Dedicated Guidance
Frequently Asked Questions
Buying, refinancing or reviewing your loan can raise a lot of questions. Here are a few of the ones clients ask most often.
Mortgage brokers are typically paid by the lender once a loan settles. This is generally in the form of a commission for arranging and managing the loan. For most home loan scenarios, there is no upfront cost to you for our service.
In most residential lending scenarios, there is no upfront fee to engage ESF Finance. If a situation were to involve a fee, this would always be discussed openly before any work begins.
While ESF Finance has a strong focus on supporting police and emergency services, we also work with a wider range of professionals and families who value clarity, discretion, and a structured approach to lending.
Borrowing capacity depends on several factors including your income, existing debts, living expenses and the lender’s policies. For many people, especially those with allowances, overtime, or complex income structures, different lenders may assess borrowing power differently.
Not necessarily. While a 20% deposit can help avoid Lenders Mortgage Insurance (LMI), many buyers purchase property with a smaller deposit. Depending on your situation, there may be options available with lower deposits, including government schemes or guarantor support from family members.
Ideally, before you start seriously looking at properties. Speaking with a broker early helps you understand your borrowing capacity, available loan options, and whether you should obtain pre-approval. This can give you confidence when making offers and help avoid surprises later in the process.
Many people stay with the same loan for years without reviewing whether it still suits their situation. Interest rates, lending policies and personal circumstances can change over time. A loan review may help identify opportunities to restructure or refinance your loan so it better aligns with your current goals.
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Meet Elias Fajloun
Elias Fajloun is the Managing Director and Mortgage Broker behind ESF Finance. Before entering mortgage broking, Elias spent over a decade working in frontline policing. That experience shaped how he works with people today. He understands shift work, irregular hours, confidentiality concerns and why straightforward communication matters.
Elias works closely with every client from the first conversation through to settlement and beyond. ESF Finance supports people whose careers and family roles come with real responsibility. When time is limited and decisions matter, clarity and discretion are essential.
Our approach is built around calm guidance, clear communication and long term support. We focus on helping clients understand their options without pressure or unnecessary complexity.
Alongside his frontline background, Elias brings substantial experience working within the finance industry. Before launching ESF Finance, Elias structured and settled a high volume of residential lending transactions while working under an established brokerage. Over this period, he supported a wide range of clients, including first home buyers, refinances, professionals and families navigating more complex scenarios.
This experience confirmed two things. First, that outcomes often depend on how well a loan is structured and communicated, not just where it is placed. Second, that clients value consistency, clarity and having one person accountable for the process.
ESF Finance was built to deliver that level of care and structure on an ongoing basis. Conversations are confidential, straightforward and obligation free.
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