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TRUSTED BY REAL CLIENTS
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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: 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... read more mortgage broker. 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 doesn’t 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 you’re 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.
I recently had the pleasure of working with Vikas and I couldn't be more impressed. His professionalism was exemplary, guiding me through every step of the mortgage process (refinance) with... read more a keen eye on my best interests. Not only did he demonstrate an extensive knowledge of the industry, but also took the time to educate me, ensuring I fully understood each aspect of the process. His dedication to putting the client first was evident in every interaction, making the entire experience smooth and stress-free. I highly recommend Vikas to anyone in need of mortgage services.
Sreekanth M.
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.
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.
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.
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.
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 beyond to make the process smooth and stress-free. What really stood out was his dedication to finding the perfect lender for my needs. He worked his magic and managed to secure a lender that offered me the maximum borrowing power possible. His expertise and attention to detail was truly remarkable. He took the time to explain every step of the mortgage journey, making sure I understood everything along the way. It felt like I had a friend guiding me through this complex process. I can't thank Vikas enough for his exceptional service and genuine care. If you're looking to purchase a property and want someone who will truly have your back, look no further. I wholeheartedly recommend Vikas for his expertise, dedication, and ability to make homebuying a breeze. Thanks a ton!
Karanjit C.
It has been an absolute pleasure working with Vikas for refinancing our loan for better rates in these uncertain times. Vikas came up with ingenious ideas and guided us in... read more right direction to help get us the best offer available. Looking forward to do more transactions with him in future. All the best Vikas !
Romit A.
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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.
It's had been a pleasure working with Vikas. He is hard working , approachable and readily available to answer all your queries.
S J.
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.
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.
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 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.
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 patiently addressing our questions and concerns related to mortgage loans. Additionally, he assisted us in selecting the most suitable mortgage provider offering the most competitive interest rates currently accessible in the market. We enthusiastically endorse Vikas for his exceptional services in handling all your mortgage-related needs.
Elangovan N.
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.
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.
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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.
Exceptional experience from Vikas, who worked seamlessly at my pace, offering continuous support throughout the entire process. Would recommend to anyone who’s looking to get a truly personalised service in... read more getting a complex and tedious home buying process worked out positively.
shiva s.
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 layman’s language for us to understand. Highly recommend his services for loans and brokerage.
Sonal B.
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'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 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.
#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 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 clients to help them understand the financial terms and helps them choose the right product. Vikas’s knowledge is highly commendable and his best-interest to support the client is exemplifying! Recommend Vikas and Fineloans to anyone in need and I am sure you would enjoy the process, too! Good luck team #Fineloans #mortgage
Bernie S.
Prompt response and excellent communication. Thorough research when providing suggestions and options.
Roxanne S.
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.)