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TRUSTED BY REAL CLIENTS

  • Vikas is highly efficient and responds to any queries quickly.The entire application process was easy and straightforward,thanks to Vikas. Highly recommend.

    aparna karthik Avatar aparna k.

    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

    Christopher Pereira Avatar Christopher P.

    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.

    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.

    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

    Suparna Bhattacharjee Avatar Suparna B.

    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.

    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

    Varun Sehgal Avatar Varun S.

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

    Desi Ranna Avatar Desi R.

    Vikas is highly efficient and always goes above and beyond to assist clients. I truly appreciate his dedicated efforts and expert advice throughout the journey. Very helpful. Highly recommended.

    Vihana B Avatar Vihana 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.

    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.

    We had a pleasant experience working with Vikas. He was responsive, professional and his actions followed his words.

    Raghava Tulasi Avatar Raghava T.

    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 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.

    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

    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: 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.

    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 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 is very knowledgeable mortage broker in Sydney property market. He is always reachable and clarified all queries which we have initially and helped us to get loan soon. He... read more

    vivekreddy velugoti Avatar vivekreddy v.

    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.

    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.

    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

    Vinay R Avatar Vinay R.

    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.

    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 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.

    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

    Veeranjaneyulu Kummara Avatar Veeranjaneyulu 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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