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TRUSTED BY REAL CLIENTS

  • 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

    vivekreddy velugoti Avatar 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

    akshay Kathuria Avatar 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 Sinha Avatar Ankur S.

    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.

    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.

    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.

    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 Gupta Avatar 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

    Jatin Joshi Avatar 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

    Jai Richard Avatar 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

    Bhavesh Pal Avatar 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

    Sibin Jacob Avatar 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

    Veeru Kummara Avatar 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

    Kalaivani Chezhiyan Avatar 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

    Buddhika Gunasekara Avatar Buddhika G.

    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.

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

    Prodipto Roychowdhury Avatar 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

    Sonal Bhatt Avatar 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

    SHEELAM APARNA Avatar 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

    Ambika Rajavelu Avatar 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

    Kanika Aggarwal Avatar Kanika A.

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

    Desi Ranna Avatar 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

    Nitesh Rami Reddy Avatar Nitesh R.

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

    Roxanne Saldanha Avatar Roxanne S.

    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.

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

    Amit Avatar 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

    Nelangi Gunathilaka Avatar 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

    Karthik Krishnamurthy Avatar Karthik 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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