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TRUSTED BY REAL CLIENTS

  • 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.

    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.

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

    Amit Avatar Amit

    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.

    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.

    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

    Nitin Mittal Avatar 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

    Karanjit Chass Avatar 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

    Ashish Malhotra Buyers Advocate Avatar 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

    Suparna Bhattacharjee Avatar 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

    Karthik Krishnamurthy Avatar 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

    akshay Kathuria Avatar akshay K.

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

    Raghava Tulasi Avatar 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

    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.

    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

    Romit Aggarwal Avatar 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

    Kanika Aggarwal Avatar 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

    Christopher Pereira Avatar 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

    Bennett Shesh Saravana Avatar 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

    Vishwanatha Gowda Avatar 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

    Bernie Sanka Avatar 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

    Sreenath Rao A Avatar 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

    Karanjit Chass Avatar 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

    Gurusubramanian Swaminathan Avatar 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

    Gurusubramanian Swaminathan Avatar 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

    akshay Kathuria Avatar 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 Avatar 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

    abhi Avatar 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.

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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