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TRUSTED BY REAL CLIENTS

  • Very detailed , patient and probably the best mortgage broker to work with . He gives the best options available in the market.

    Manikandan Balasubramanian Avatar Manikandan B.

    Vikas has been incredibly thorough to work with during my refinance. He understands requirements well & exceeded expectations. He not only helped us with the loan, also guided us with... read more

    Nitesh Rami Reddy Avatar Nitesh R.

    Highly recommended!! I thank Vikas for all his help and guidance throughout my first home purchase process. For a first home buyer like me he handheld me through out... read more

    Veeranjaneyulu Kummara Avatar Veeranjaneyulu K.

    Hey folks, Vikas was introduced to me by himself. 👍 . It was for a genuine guidance on what to look for when refinancing a loan. Parted away after couple... read more

    Gurusubramanian Swaminathan Avatar Gurusubramanian S.

    Very helpful and professional service with vast knowledge. We are highly satisfied and happy to recommend.

    Desi Ranna Avatar Desi R.

    Very prompt and detailed. Vikas guided us well on the entire process of loan application.

    Amit Avatar Amit

    We had the pleasure of working with Vikas (Fineloans) to secure our dream home, and the experience was nothing short of exceptional. From the moment we began the process until... read more

    Kalaivani Chezhiyan Avatar Kalaivani C.

    It has been a pleasure dealing with Vikas even though it was for a very short duration. We were looking for refinancing our home loan and reached out to him... read more

    Kanika Aggarwal Avatar Kanika A.

    Vikas is highly efficient and responds to any queries quickly.The entire application process was easy and straightforward,thanks to Vikas. Highly recommend.

    aparna karthik Avatar aparna k.
  • Vikas has been very efficient and patient throughout our property purchase process. He's helped us in all stages and explained significant aspects for us which helped us take some important... read more

    Karthik Krishnamurthy Avatar Karthik K.

    Definitely recommend Vikas for all mortgage/ refinance services. We had our loan refinanced with Vikas and we are very happy with his service. He is an excellent listener and keeps... read more

    Vinay R Avatar Vinay R.

    Highly recommended!! I thank Vikas for all his help and guidance throughout my first home purchase process. For a first home buyer like me he handheld me through out... read more

    Veeru Kummara Avatar Veeru K.

    Vikas has been very professional and responsive in answering all my queries related to home loan of my first property. He is very knowledgeable and is an expert in... read more

    Nitin Mittal Avatar Nitin M.

    Vikas was very proactive, efficient and ensured that I was well informed where I was at in the process. His professionalism made buying my first home a less stressful process. Being... read more

    Sibin Jacob Avatar Sibin J.

    Vikas from Fine Loans was incredible to work with for my first home purchase and we got an early settlement done just before the Christmas holidays. He has a caring attitude... read more

    Sreenath Rao A Avatar Sreenath R.

    Vikas is an amazing mortgage broker. He responds extremely quickly to all queries and communicated exceptionally on all our loan options. We were unsure which lender was the best match for... read more

    Bennett Shesh Saravana Avatar Bennett S.

    Hey folks, Vikas was introduced to me by himself. 👍 . It was for a genuine guidance on what to look for when refinancing a loan. Parted away after couple... read more

    Gurusubramanian Swaminathan Avatar Gurusubramanian S.

    Vikas: A Top-Notch Mortgage Broker! I had the pleasure of working with Vikas over the past couple of months, and I can confidently say that he is an exceptional mortgage broker.... read more

    akshay Kathuria Avatar akshay K.
  • Vikas is a great mortgage broker who not only helped us with home loans but also seemlessly helped to buy a commercial property (which we thought would be impossible) .... read more

    Madhuri Sure Avatar Madhuri S.

    I recently had the pleasure of working with Vikas after a recommendation from my friend and I was impressed after the first call. He guided me through every step of... read more

    online bsmc Avatar online b.

    Vikas is highly efficient and always goes above and beyond to assist clients. I truly appreciate his dedicated efforts and expert advice throughout the journey. Very helpful. Highly recommended.

    Vihana B Avatar Vihana B.

    I had an amazing experience with Vikas from Fine Loans. He was an absolute lifesaver in helping me purchase my dream property. From start to finish, he went above and... read more

    Karanjit Chass Avatar Karanjit C.

    Prompt response and excellent communication. Thorough research when providing suggestions and options.

    Roxanne Saldanha Avatar Roxanne S.

    It's had been a pleasure working with Vikas. He is hard working , approachable and readily available to answer all your queries.

    Shweta Murthy (SM) Avatar Shweta M.

    We needed refinance for our home loan and Vikas helped us get the best deal. He is highly professional, extremely patient and responsive. He kept us informed at every step... read more

    Sonal Bhatt Avatar Sonal B.

    I was referred to Vikas via one of my good friend who had used his services and was very impressed with the quality. I can only echo his experience. Right... read more

    Jatin Joshi Avatar Jatin J.

    I had a great time working with Vikas for my recently purchased investment property. Vikas truly considered all lender options and came up with pros and cons of each and... read more

    Vishwanatha Gowda Avatar Vishwanatha G.

WHY FINE LOANS?

Zero confusion & total convenience

No cost to you… Yes, $0

Minimum effort – Guided by an expert

GOT ANY QUESTIONS?

Our trusted and expert mortgage brokers have a wealth of knowledge to share. We can help you understand the different types of mortgages available, compare rates from multiple lenders, and find the right mortgage for your needs. Best of all, in simple language so you won’t have to remember LVR, LMI, BC & all the other jargons that comes with mortgage process.

CONTACT US

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COMMON QUESTIONS

  1. How much deposit do I actually need?

    Not a kidney, promise. Classic target is 20% (no LMI), but plenty of buyers get in with 5–10% – you may just pay Lenders Mortgage Insurance (LMI) or use a government guarantee if eligible. We’ll map what’s realistic for you and keep a buffer so you can still afford pizza.

  2. What on earth is LMI – should I avoid it?

    LMI isn’t a villain; it’s a ticket to board early when you don’t have a full 20%. It protects the lender, not you, but if it gets you into a good home sooner (and you keep a cash buffer), it can make sense. We’ll compare “wait & save” vs “buy now with LMI” like grown-ups who also like spreadsheets.

  3. Fixed, variable, or split – help!

    Fixed: certainty now, less flexibility.
    Variable: flexible, can fall (or rise) with rates.
    Split: the Goldilocks option.
    We’ll model repayments and stress-test them so your budget survives rate wiggles and the occasional splurge at Bunnings.

  4. How much can I borrow?

    Banks run your income, expenses, and debts through a stress test (higher ‘buffered’ interest rate). We’ll do a reality check first, then get a pre-approval so you know your budget before you start falling in love with sunrooms.

  5. What costs are there besides the deposit?

    The “grown-up” list: stamp duty (varies by state), legal/conveyancing, building & pest, lender fees, mortgage registration, moving, and possibly LMI. We’ll give you a neat cost sheet so nothing jumps out from behind the couch.

  6. What’s pre-approval – does it mean I’m guaranteed?

    Pre-approval = a conditional thumbs-up based on your info at the time. It’s not a pinky-promise; the property still has to value up and your situation can’t change wildly. Still, it’s essential for shopping with confidence (and for agents to take you seriously).

  7. Can Mum & Dad help as guarantors?

    Yep—often called a family guarantee/pledge. It can reduce or remove LMI and help you buy with a smaller cash deposit. It’s powerful, but it’s serious business for your parents, so we’ll explain risk, limits, and exit plans so Christmas lunch stays friendly.

  8. What’s an offset account and why do people rave about it?

    An offset is a bank account linked to your home loan. Every dollar sitting there reduces the interest you pay. It’s flexible, tidy for records, and great for building a safety buffer. (Redraw can be fine too, but offset is the neat freak of the two.)

  9. Should I buy a fixer-upper or move-in-ready?

    Depends on your time, budget, and nerves. Reno properties can be great if you’ve got cash buffers and a plan; turnkey is calmer for first-timers. We’ll also check how the lender treats the place—some “projects” aren’t as bank-friendly as the listing suggests.

  10. Are there first-home buyer concessions or schemes?

    yes – things like stamp duty concessions, grants, or guarantee schemes (eligibility applies and rules change). We’ll check what’s available for your situation and state so you don’t miss free help. (We love free help.)

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