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TRUSTED BY REAL CLIENTS

  • It's had been a pleasure working with Vikas. He is hard working , approachable and readily available to answer all your queries.

    S J Avatar S J.

    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.

    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.

    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 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.

    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.

    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.

    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.

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

    Roxanne Saldanha Avatar Roxanne S.
  • 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.

    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

    shiva sihag Avatar shiva 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.

    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

    Harish Subramaniam Avatar Harish S.

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

    Prodipto Roychowdhury Avatar Prodipto R.

    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.

    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.

    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

    abhi Avatar abhi

    #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.
  • 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

    Sreekanth Manda Avatar Sreekanth M.

    It's had been a pleasure working with Vikas. He is hard working , approachable and readily available to answer all your queries.

    Shweta Murthy (SM) Avatar Shweta M.

    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

    Bennett Shesh Saravana Avatar Bennett S.

    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.

    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.

    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.

    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.

    Very detailed , patient and probably the best mortgage broker to work with . He gives the best options available in the market.

    Manikandan Balasubramanian Avatar Manikandan B.

    I recently had the pleasure of working with Vikas after a recommendation from my friend and I was impressed after the first call. He guided me through every step of... read more

    online bsmc Avatar online b.

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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