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Our Services


Midstate Financial Services is proud to provide loan services for the Mid North Coast and Central West of New South Wales. We are not a bank or a lender. Instead, we work for you to help you find the bank or lender that best fits your needs.

Our only interest is ensuring you get the best loan for your needs. The bank, on the other hand, wants to loan you as little as possible while making as much interest off you as is legally and ethically permissible. At the bank, you are an account number. At Midstate Financial Services, you are a friend and neighbour. 

We take pride in staying up to date with all loan products on our panel of lenders. This allows us to know who is lending and who is not, and it helps us to find the product that’s best for your needs from our panel of lenders. Instead of wasting time going to lenders who will not approve your application and applying for loans that aren’t suitable, we focus our energies on the products and lenders that are best for your needs.

We provide a professional service and are here to guide you through the process of getting a loan. We’re proud to help borrowers with all of the following types of loans:

  • Purchasing for owner-occupied and investment homes
  • Commercial loans
  • Construction loans
  • Refinancing/debt consolidation
  • First home buyers

  • Renovations
  • Lines of credit
  • Personal loans
  • Equipment financing
  • Self-managed superfund loans

Learn more about our process, and if you wish to get started, contact us today.


Here at Midstate Financial Services, we want to make the process of securing the loan you need as easy as possible. That’s why we’ve laid out the entire process from start to finish right here. Have a look at the different steps you need to take, and if you have any questions, do not hesitate to contact us today.

Before You Start

Before you decide to apply for a loan, it’s essential to know where you are starting from. You must establish your financial position before you even approach a lender. Here’s how you do it:

  • Determine how much you can borrow
  • Gather the right supporting documents

  • Know what kind of loan you will need
  • Ensure you can afford the new financial commitment

Midstate Financial Services can help you to complete each of these steps. We’ll help you understand what factors influence the approval process. In short, we make applying for a loan as easy and stress-free as we can.

Gather Your Documents

Be sure to have the following documents on hand when applying for a loan:

  • Proof of identity, i.e. driver’s licence, birth certificate and passport
  • Evidence of income, e.g. 3 consecutive pay slips or a detailed letter from your employer outlining your employment status and salary structure
  • 6 months of statements for any loan to be refinanced
  • Current credit card statement showing approved limit or most recent 3 months of statements if you are consolidating
  • Council rate notice for any property owned
  • Other income: e.g. rental, family allowance, dividends etc. Current evidence must be supplied
  • A recent tax assessment notice
  • For self-employed applicants – 2 years’ taxation history
  • Details of assets – motor vehicles, property, superannuation, household effects, boats, caravans etc.

Choose Your Lender

Whether this is your first home, an investment property or a refinance, it’s important to choose the right lender for your needs. However, there are so many competitors in the market today that finding the right one for you can swiftly become overwhelming. That is where the team at Midstate Financial Services come in. We can help you examine the different lenders and take the stress out of the process.

Apply for the Loan

You’ve already gathered all of your supporting documentation, so now is the time to turn it in to Midstate Financial Services. Our team will use those documents to assist you to prepare your loan application. Once it’s signed by all parties, we will lodge it with the lender on your behalf.

Conditional Approval

After the lender receives your application, they will carefully assess it. This includes verifying all of the supporting documentation you supplied. As soon as the institution’s criteria have been met – and once a property valuation and title searches have been completed, if required – the lender may then issue you a ‘Conditional Approval’.

Unconditional or Final Approval

This is the last approval you will need, and once your solicitor or conveyancer is notified, the ‘Exchange of Contracts’ may take place. You will receive loan documentation from your chosen lender which will include the following:

• Letter of Offer • Mortgage Documents

Please bring these documents to us, and we will fully explain them and ensure that there are no errors within them.


Generally, settlement takes place up to 42 days (6 weeks) after the ‘Exchange of Contracts.’ Your solicitor or conveyancer, along with your chosen lender and Midstate Financial Services, will co-ordinate the final exchange of funds. Once the funds have been handed over, you will own the property. Congratulations – and good luck!

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