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.
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.
Very prompt and detailed. Vikas guided us well on the entire process of loan application.
Amit
Very detailed , patient and probably the best mortgage broker to work with . He gives the best options available in the market.
Manikandan B.
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.
Vikas has been very professional and responsive in answering all my queries related to home loan of my first property. He is very knowledgeable and is an expert in... read more this field.
Nitin M.
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.
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.
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.
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.
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.
We had a pleasant experience working with Vikas. He was responsive, professional and his actions followed his words.
Raghava T.
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.( 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 didn’t 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.
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.
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.
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.
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 when we needed him. As a gentleman he is kind and easy to work with. Highly recommend as the mortgage broker.~Thanks
Christopher P.
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... read more match for 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.
I had a great time working with Vikas for my recently purchased investment property. Vikas truly considered all lender options and came up with pros and cons of each and... read more we did multiple rounds of filtering to finalise the lender that suited my needs. He has lot of patience always prompt in responses and kept me upto date through out the process. He sometimes even found time for me after office hours and weekends to deal with situations. Will definitely love to work with him again.
Vishwanatha G.
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.
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.
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.
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.( 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 didn’t 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.
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.
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 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.
It's had been a pleasure working with Vikas. He is hard working , approachable and readily available to answer all your queries.
S J.
We got in contact with Vikas after the terrible experience with another Mortgage Broker. Vikas understood our refinance requirement and gave us the right options and tactically helped in every... read more stage of the process. Since our requirement involved various considerations, the right product need to be selected from plethora of products across many Banks. He engaged us from beginning and responded promptly at each stage. Dealing with Vikas is been a delightful experience and exceeded our expectations. Highly recommended to anyone looking for someone who can give genuine advice and service. Cheers
abhi
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.
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.
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.
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.
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.
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).
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.
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.)
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.
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.)