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TRUSTED BY REAL CLIENTS

  • 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.

    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

    Ashish Malhotra Buyers Advocate Avatar Ashish M.

    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

    Ambika Rajavelu Avatar Ambika R.

    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.

    We had the pleasure of receiving Vikas’s exceptional services as a mortgage broker. We recently used Vikas to refinance our house, and he was awesome. He is very knowledgeable, professional,... read more

    Sharath Tejaswi Avatar Sharath T.

    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.

    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 Sinha Avatar Ankur S.

    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.

    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 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

    Nelangi Gunathilaka Avatar Nelangi G.

    We had a pleasant experience working with Vikas. He was responsive, professional and his actions followed his words.

    Raghava Tulasi Avatar Raghava T.

    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.

    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 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 played an instrumental role in helping us secure our dream home. He went above and beyond by providing us with a thorough explanation of all the intricate details and... read more

    Elangovan Natarajan Avatar Elangovan N.

    #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

    Jai Richard Avatar Jai R.

    Excellent professional service in a very helpful manner. We love to recommend to our family and friends honestly.

    Prodipto Roychowdhury Avatar Prodipto 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

    Sreenath Rao A Avatar Sreenath R.

    #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

    Jai Richard Avatar Jai R.

    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.

    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.

    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.

    Vikas was a game changer in my case as I had an early settlement! Very professional and the options he brings to the plate is helpful. Also, he educate the... read more

    Bernie Sanka Avatar Bernie S.

    Mr.Vik was so good at his job, he took off the pressure from us, it was seamless financial handling with the banks. He is very transparent and was always there... read more

    Christopher Pereira Avatar Christopher P.

    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.

    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

    Varun Khanna Avatar Varun K.

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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