About us

Andine possess a credit license, thus we are not locked into whatever our providers wants us to sell, but instead are able to shop around and get deals much better than available at retail and even better than many private mortgage brokers can.

We display this by walking our clients through the whole process, as well as a mandatory follow up after we provide our service. Ours isn?t a churn and burn business, as every one of our clients become part of our valued network. ?The proof is in the pudding? as our business has been built and survived primarily around referrals and repeat business.

We have access to our own network of private investors who we have worked with over the years. This is enables us to assist clients, particularly self-employed ones, that may require alternative funding options as they may not be serviceable by a ?one size fits all? traditional loan or bank product

Andine has been working within the finance industry since 1999. Our services include mortgage broking, and assisting investors to expand and strengthen their portfolio.

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  Andrew Kostanski

  May 18, 2012 by Jack Barker (Developer)0 Comments

  As Andrew has owned his own businesses for the past 30 years, he appreciates what self- employed business owners face and require when it comes to investment. Who better to be on your side then someone who?s been there and has helped many self-employed operators acquire loans and grow their assets!

I originally came from an importing background, and dealt with international finance for many years. An opportunity arose in 1999 to move into the mortgage industry, which at that time was in its infancy in comparison with today.

I took a leap of faith, and have now run my own broking business for over 12 years. Since the introduction of the National Consumer and Credit Protection Act of 2012 (NCCP), I obtained my own Australian Credit Licence (ACL). Having my own licence means I can source loans directly from any or all lending institutions, whomever I think is best for my client.

This is a big advantage for the client, as most Mortgage Brokers don?t have their own licence but instead work as Credit Representatives of a licence holder. If that licence holder doesn?t have a relationship with a particular lender, or in the case of a solicitor for private funding, then they are prohibited under their Credit Representatives Licence from doing business with them.

This greatly reduces the options on getting the right loan at the best rate for YOU.

I have always been interested in finance, and wanted to learn as much as I could about all manner of home loans and commercial loans so that I could eventually start a business. So I worked as an employee for three years at two high-profile Mortgage companies to gain the best experience and knowledge and establish a trusted reputation.

I started ANDINE. The business went well, all from referrals and not through advertising. It continues to do so, even through the Global Financial Crisis which hit us all about 5 years ago. Many of my clients from ?the early years? returned to me when their circumstances changed and they needed a loan.

The business has truly established itself as a reputable, qualified and innovative mortgage broker ? that continues to deliver successful financial outcomes for our clients.