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Refinance

TRUSTED BY REAL CLIENTS

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 B.

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 G.

#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 R.

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

abhi

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 S.

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 S.

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 K.

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 A.
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 M.

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.

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 v.

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

aparna k.

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 S.

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

Prodipto 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.

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 step.

Bhavesh 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 K.
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 v.

Highly recommended . I have used their services for my first home is extremely satisfied with the services ,interactions and outcome

Nishi N.

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 b.

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.

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 C.

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.

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 G.

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 G.

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 S.

WHY FINE LOANS?

Zero Confusion & total convenience

Minimum effort – Guided by an expert

No cost mortgage advice

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.

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You got questions?

How do I get a home loan as a first home buyer in Australia?

It’s pretty straightforward. We check how much you can borrow, pick a loan (fixed or variable), and grab your docs like payslips and ID. I’ll find you a great rate from heaps of lenders and guide you from start to finish – pre-approval to moving day. I’ll also see if you can grab any first home buyer deals to save some cash.

How much deposit do I need to buy a house?

Usually 5-20% of the house price. For a $600k place, that’s $30k-$120k. If that sounds steep, first home buyer schemes like the First Home Guarantee can get you in with just 5%. A bigger deposit means less fees later. I’ll check what you need and if you qualify for any shortcuts.

Are there any government handouts for first home buyers?

Yep, there’s some free cash out there! You might get the First Home Owner Grant ($10k-$30k depending on your state) or stamp duty discounts. The First Home Guarantee helps with a smaller deposit too. I’ll figure out what you can claim based on where you’re buying.

Why should I use a mortgage broker instead of a bank?

I’m like your mate who knows all the best deals. I check tons of lenders to get you a cheaper loan than you’d find at one bank. I save you time, explain the tricky stuff, and hunt for first home buyer perks. It’s way easier than doing it alone.

What’s Lenders Mortgage Insurance (LMI), and can I skip it?

LMI is a fee if your deposit’s under 20%. For a $500k loan, it could be $5k-$15k, added to your loan or paid upfront. You can skip it with a 20% deposit or by using a first home buyer scheme. I’ll show you ways to dodge it or keep it low.

How much can I borrow for a home or investment property?

It depends on your income, bills, and any debts. Lenders also look at your credit score. I’ll crunch the numbers and get you a pre-approval, so you know what price range to shop in—whether it’s a home or investment property. It’s like a budget for house hunting.

Should I go for a fixed or variable rate loan?

Fixed loans keep your repayments the same—easy for planning. Variable loans can change, which might save you if rates drop but could cost more if they rise. I’ll compare them and pick what fits your vibe, based on the market.

Can I buy an investment property as my first property?

Yep, you can start with an investment property! It might mean skipping some first home buyer grants, and you’ll need a decent deposit. But you could earn rent and get tax breaks like negative gearing. I’ll find you a loan and explain the benefits.

Why get a home loan pre-approval?

Pre-approval shows you’re serious and tells you your budget, so you don’t waste time on houses you can’t afford. It also speeds up the loan process and lasts 3-6 months. I’ll get you pre-approved with a great lender.

How do I make sure my home loan gets approved?

Save a bigger deposit, pay off debts, and keep your credit score clean (no late bills!). Have your docs ready, like payslips and bank statements. I’ll check your application and send it to lenders who’ll likely approve you. Let’s get it sorted!