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.
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 His commitment to securing the best bank offer with the lowest possible interest rate truly impressed me.
He is proactive and responsive. He knows the mortgage business inside out as he guided me through the complexities effortlessly. He understands that one size doesnât fit all and recommended banks that perfectly aligned with my needs.
I am grateful to him for working tirelessly to get me the best deals. I felt like a priority client throughout the process.
My experience with Vikas has been incredibly satisfying. If youâre looking for an efficient mortgage broker, I wholeheartedly recommend Vikas to anyone seeking expert guidance in securing a home loan.
Thank you, Vikas, for your outstanding service!
akshay 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.
Canât 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.
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 He is pro active in his actions and provides various options that are feasible . Highly recommended!
Madhuri S.
Hey folks, Vikas was introduced to me by himself. đ . 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 âout of office hoursâ. Your preferred time is his working time.
Skilled. Certified. Fast processing time. Meets your requirements for Refinancing.( this was written in 2021).
2023!- Given that I had good experience in 2021, continued the conversation with Vikas for buying my next property (by selling current one ). I know MB support the clients. But vikas supoort was more than I could ask for. Have had numerous discussions and probabilities with variables as suburb,lvr, required deposit, interest rates ( which didnât help as it was rising like no other day). We should have done around 20-30 samples for getting a comfortable number for me. The slight nudge from Vikas helped to increase my overall deposit to get a better deal.
Have referred Vikas for many people in last 2 years and all have been happy, benefiting from his experience and fast communication.
Gurusubramanian 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 G.
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.
#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.
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.
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 a first time buyer, we had little knowledge of the process and needed to learn as we went along. He was always readily available and responded quickly to any needs that arose. He did an amazing job guiding us through the approval process and continues to support us to this date.
I highly recommend Vikas to anyone in need of a mortgage broker. Thanks Vikas for all the support.
Sibin J.
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.
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 we closed on our new home, his expertise and dedication were evident.
He guided us through every step, explaining complex financial terms in a way that was easy to understand. He took the time to understand our financial situation and goals, ensuring that we received the best possible mortgage options tailored to our needs.
What truly sets our broker apart is their commitment to transparency and responsiveness. He was always available to answer our questions, provide updates, and address any concerns promptly. This level of communication gave us peace of mind throughout the entire process.
Thanks to Vikas's expertise and dedication, we not only secured a competitive mortgage rate but also felt supported and informed every step of the way. We are now happily settled in our dream home, and we owe much of our smooth home-buying experience to our outstanding mortgage broker. If you're in the market for a new home, I highly recommend Vikas (Fineloans) services.
Kalaivani C.
We had a great experience working with Vikas for our home loan. He was very helpful and always available to answer queries. Had a quick turnaround for approval and kept... read more us updated at each step. Highly recommend him for anyone looking for a mortgage broker.
Buddhika G.
Hey folks, Vikas was introduced to me by himself. đ . 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 âout of office hoursâ. Your preferred time is his working time. Skilled. Certified. Fast processing time. Meets your requirements for Refinancing.
Gurusubramanian S.
Excellent professional service in a very helpful manner. We love to recommend to our family and friends honestly.
Prodipto R.
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 of the process and guided us through and through. At this time in the market where interest rates are much higher than what they were two tears ago, Vikas helped us find the right bank and the best interest rates in the market. He responded to our messages and calls as soon as possible and cleared all our doubts with utmost care and with all the details we needed. He explained everything in laymanâs language for us to understand. Highly recommend his services for loans and brokerage.
Sonal B.
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 â 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 youâre 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 â you made this process so much easier!
Ambika R.
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.
Very helpful and professional service with vast knowledge. We are highly satisfied and happy to recommend.
Desi R.
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 restructuring and handsome equity too. Highly recommended!
Nitesh R.
Prompt response and excellent communication. Thorough research when providing suggestions and options.
Roxanne S.
We had the pleasure of receiving Vikasâs 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 and dedicated to his work, he makes the whole process stress-free with very clear and timely communications. We were able to do everything through email, and when we called him with any questions, he was quick to get back in touch with us. We highly recommend Vikas to anyone seeking a reliable and knowledgeable mortgage broker, as his outstanding service surpassed all our expectations.
Sharath T.
Very prompt and detailed. Vikas guided us well on the entire process of loan application.
Amit
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.
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 decisions as a first home buyer. He's thorough in what he does and I'd definitely recommend him for his services.
Karthik K.
WHY FINE LOANS?
Zero confusion & total convenience
No cost to you… Yes, $0
Minimum effort â 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 wonât have to remember LVR, LMI, BC & all the other jargons that comes with mortgage process.
Not a kidney, promise. Classic target is 20% (no LMI), but plenty of buyers get in with 5â10% – you may just pay Lenders Mortgage Insurance (LMI) or use a government guarantee if eligible. Weâll map whatâs realistic for you and keep a buffer so you can still afford pizza.
What on earth is LMI – should I avoid it?
LMI isnât a villain; itâs a ticket to board early when you donât 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. Weâll compare âwait & saveâ vs âbuy now with LMIâ like grown-ups who also like spreadsheets.
Fixed, variable, or split – help!
Fixed: certainty now, less flexibility. Variable: flexible, can fall (or rise) with rates. Split: the Goldilocks option. Weâll 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 âbufferedâ interest rate). Weâll do a reality check first, then get a pre-approval so you know your budget before you start falling in love with sunrooms.
What costs are there besides the deposit?
The âgrown-upâ list: stamp duty (varies by state), legal/conveyancing, building & pest, lender fees, mortgage registration, moving, and possibly LMI. Weâll give you a neat cost sheet so nothing jumps out from behind the couch.
Whatâs pre-approval – does it mean Iâm guaranteed?
Pre-approval = a conditional thumbs-up based on your info at the time. Itâs not a pinky-promise; the property still has to value up and your situation canât change wildly. Still, itâs essential for shopping with confidence (and for agents to take you seriously).
Can Mum & Dad help as guarantors?
Yepâoften called a family guarantee/pledge. It can reduce or remove LMI and help you buy with a smaller cash deposit. Itâs powerful, but itâs serious business for your parents, so weâll explain risk, limits, and exit plans so Christmas lunch stays friendly.
Whatâs 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. Itâs 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.)
Should I buy a fixer-upper or move-in-ready?
Depends on your time, budget, and nerves. Reno properties can be great if youâve got cash buffers and a plan; turnkey is calmer for first-timers. Weâll also check how the lender treats the placeâsome âprojectsâ arenât as bank-friendly as the listing suggests.
Are there first-home buyer concessions or schemes?
yes – things like stamp duty concessions, grants, or guarantee schemes (eligibility applies and rules change). Weâll check whatâs available for your situation and state so you donât miss free help. (We love free help.)