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TRUSTED BY REAL CLIENTS
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Vikas was so wonderful and gracious to us during the entire process of our home loan. His knowledge and professionalism made the process run smoothly, for which we are very... read more grateful. Could not have asked for a more down-to-earth, knowledgeable and helpful broker. It has been a pleasure to work with Vikas. Highly recommend him for anyone looking for a mortgage broker.
Nelangi G.
Great Mortgage Broker. Proactive in his actions throughout the process and provides with multiple good options with cashbacks and lower mortgage rate options across multiple small and Big 4... read more vendors.
Harish S.
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... read more caring attitude and is easy to work with. He even worked with my Conveyancer & Real Estate agent directly to make the entire process hassle free. His timely advise helped us get some cash back from the bank as well. Being a first home buyer, we had so many questions. Vikas answered all my questions with patience and explained the entire process in simple terms. I highly recommend his sevices. Trust Vikas and you won’t go wrong!
Sreenath R.
Had great experience working with Vikas. He was very helpful and answered all queries in timely manner. Had a quick turn around for approval and kept us updated at each... read more step.
Bhavesh P.
#Precise assessment #Excellent communication #Transparent #Desired result #Outstanding service My wife and I recently used the service of Vikas at Fine Loans for refinancing our land loan and obtaining a construction... read more loan. One single word as feedback for the service provided: OUTSTANDING During our initial no obligation discussion Vikas listened to our professional and financial background and what we aim to achieve. Within a day or two he came back to us with the best three loan options that will fulfill our requirements: good valuation of land, cash out opportunity, good interest rate, approval of construction loan and quick processing. He explained to us the strategy that we need to adopt to ensure 100% chance of loan approval and mitigate the impact of upcoming rate hikes. He was thorough and transparent during the whole loan application process. We communicated through email/whatsapp and for every question we asked we got an immediate answer within a few minutes. Any slightest update on the application was shared with us. When there was no update he contacted and assured us that he will let us know immediately once there is an update on our application. While working previously with other mortgage brokers we found regular communication and discussion in simple terms of the loan calculation including the rationale to follow a specific strategy were lacking and was stressful for us, especially as we are first home owners. As assured by him the outcome of the application was successful and we got the desired result. Without the slightest hesitation I would recommend Vikas at Fine Loans to anyone to receive the best service.
Jai R.
Vikas from Fine Loans did a great job throughout my first home purchase. I was not aware of the process, he was there for every question. He has worked tirelessly... read more to get me a good option. I would highly recommend and trust him. You cannot go wrong with Vikas. Thank you once again vikas.
SHEELAM A.
Exceptional Assistance – Highly Recommend! I had the pleasure of working with Vikas for my Home loan process, and I can't speak highly enough of the experience. From start to finish,... read more he helped and guided us through every step with ease. What truly stood out was his patience. Being a first home buyer, we had a lot of questions and concerns. Vikas was always available to answer all our questions and took the time to explain everything in detail, making sure we understood all the options available. Because of his help, we felt confident throughout the entire process. If you’re looking for someone who truly understands the ins and outs of this world, is incredibly patient, and offers excellent guidance every step of the way, I highly recommend Vikas. Thanks again for everything – you made this process so much easier!
Ambika R.
Vikash was someone I was referred by from some acquaintances, initially I was skeptical thinking he must be like other brokers who will push for any refinance just for their... read more business sake. To my utter surprise, this guy helped me with so much practical suggestions to better shape my loans which my current brokers failed to do and I can bet no great broker like Vikash will provide such suggestions w/o actually refinancing your loans. I am so thankful to Vikash and really embarrassed to think that he didn’t get a single cent out of the time and knowledge he shared with me. I am looking forward to work with you soon Vikash and you are 100% recommended to all my friend circle and outside.
Suparna B.
Very prompt and detailed. Vikas guided us well on the entire process of loan application.
Amit
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#Precise assessment #Excellent communication #Transparent #Desired result #Outstanding service My wife and I recently used the service of Vikas at Fine Loans for refinancing our land loan and obtaining... read more a construction loan. One single word as feedback for the service provided: OUTSTANDING During our initial no obligation discussion Vikas listened to our professional and financial background and what we aim to achieve. Within a day or two he came back to us with the best three loan options that will fulfill our requirements: good valuation of land, cash out opportunity, good interest rate, approval of construction loan and quick processing. He explained to us the strategy that we need to adopt to ensure 100% chance of loan approval and mitigate the impact of upcoming rate hikes. He was thorough and transparent during the whole loan application process. We communicated through email/whatsapp and for every question we asked we got an immediate answer within a few minutes. Any slightest update on the application was shared with us. When there was no update he contacted and assured us that he will let us know immediately once there is an update on our application. While working previously with other mortgage brokers we found regular communication and discussion in simple terms of the loan calculation including the rationale to follow a specific strategy were lacking and was stressful for us, especially as we are first home owners. As assured by him the outcome of the application was successful and we got the desired result. Without the slightest hesitation I would recommend Vikas at Fine Loans to anyone to receive the best service.
Jai R.
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 and is easy to work with. He even worked with my Conveyancer & Real Estate agent directly to make the entire process hassle free. His timely advise helped us get some cash back from the bank as well. Being a first home buyer, we had so many questions. Vikas answered all my questions with patience and explained the entire process in simple terms. I highly recommend his sevices. Trust Vikas and you won’t go wrong!
Sreenath R.
Vikas is more experienced in this domain and helping lot many people to get loans in quicker way for their first home or investment properties . He is always reachable... read more and guide as a mentor what is best for our circumstances and provide regular updates until final settlement. I am happy to share that because of his gudiance we have bought our own and investmemt property with in 2 years. Please contact him if you have any plans to buy a property. Thanks Vikas for your help. Happy to continue our journey in future.
vivekreddy v.
Absolutely impressed with Vikas at Fine Loans. His dedication to spending time, focus towards understanding my needs, and delivering a personalized service ensured I felt supported and informed every step... read more of the way. A 5-star experience that truly values a client’s time and priorities deserves a 5-star review. Wishing you the very best, Vikas.
Varun S.
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 for guidance around best interest rates available. He swiftly responded to our request without looking at his self interest. We are looking forward to future transactions with him.
Kanika A.
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 the process with a keen eye on my best interests. His dedication to putting the client first was evident in all the interaction, making the entire experience seamless. I highly recommend Vikas to anyone in need of any mortgage services.
online b.
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 the process whenever I needed answers. He is very patient always and never fails to call back however busy he was when he couldn't attend a call right away. He serves clients with honesty and one can gain how much ever knowledge they can from him and he is that patient to answer all the queries not just mortgage related but any step of the purchase process. JUST GO WITH HIM. Cheers!!
Veeru K.
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 from starting our journey till the disbursement, vikas was super helpful, patient and very flexible. His response to any of my queries was always super quick, accurate and detailed. He did not push us to go with any specific bank but rather gave us a bunch of options and explained the pros and cons of each. In the end, he got us the best we could get based on our situation. I have no hesitation to recommend him for anyone looking to use his services.
Jatin J.
We had a pleasant experience working with Vikas. He was responsive, professional and his actions followed his words.
Raghava T.
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Can’t believe that the loan was approved within 72 hours of submitting the documents. Portal to update docs in secure way. Very clear instructions on what is required so NO... read more back and forth for resubmitting, certifying etc. Excellent service, Highly recommended!
Varun K.
Highly recommend Fine Loans. Vik from Fine Loans has been exceptional in helping us with our House purchase with prompt response and guidance throughtout the whole process.
Ankur S.
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 us informed on all questions and concerns thru the process. Outcome of our refinance resulted in a solid rate reduction + a very good equity out of our existing property enabling us to go for another Investment property.
Vinay 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 us and Vikas went through our different loan choices and helped me to find a great lender for our situation. My partner and I were surprised and impressed at how fast we were approved and it was all due to Vikas' fast and proactive approach. If you are looking for a great broker I would 100% recommend Vikas and would use him again.
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 of message exchanges. But, the my current MB did not get what I was expecting , turned to Vikas for guidance. Good decision to get expert help. He guided me on the full process , listened to my requirements, skillfully handled the entire process of refinancing. Best part was the consistent flow of information to you. There is nothing called as “out of office hours”. Your preferred time is his working time. Skilled. Certified. Fast processing time. Meets your requirements for Refinancing.
Gurusubramanian S.
Fine Loans aka Vikas is an amazing professional to deal with. If you need good service, rates, professionalism; Vikas is your guy. He is available when is most needed and... read more that what counts. Being a Buyers Agent, I need responsive brokers and he is always performing above expectations. I highly recommend him. Thank you for your 5-star service bud.
Ashish M.
Very detailed , patient and probably the best mortgage broker to work with . He gives the best options available in the market.
Manikandan B.
It's had been a pleasure working with Vikas. He is hard working , approachable and readily available to answer all your queries.
Shweta M.
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.
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
COMMON QUESTIONS
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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.
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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.
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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. -
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.
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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.
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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).
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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.
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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.)
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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.
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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.)