Book a FREE Consultation with our friendly brokers in our office, online or in the comfort of your own home or place of your choice, anytime including weekends.

Our panel of lenders consist of not only the major banks but also smaller lenders, private lenders and alternative finance Providers so that we can compare the wide range of options across lenders for a loan deal best suited for your financial situation and goals.

Being experienced in the intricacies of loan products, eligibility criteria and factors lenders prioritise, we can estimate your chances of getting approved and help save you from making critical mistakes during this complex process. Hiring our expertise can save you time and stress, while increasing the chances that your loan will be approved with lower rates and favourable terms.

During the Free Consultation:

• Whether for Refinancing or purchasing a new property, we comprehensively evaluate your financial needs, situation and goals
• We help evaluate your Documents that lenders require for loan approval.
• Assess your Assets & Liabilities, Deposit amount, Credit Score etc
• Estimate your Borrowing Power/Limit, Loan Serviceability and LVR (Loan to Valuation Ratio).
• Compare the top home loan deals from our panel of lenders to find the loans that’s most suited and priced for your situation and needs.
• Clearly explain the Loan Types, Loan Features, fees, costs, terms and conditions.
• We then provide you with personalised reports of the top home loan options so you can take your time to consider carefully.
• We also thoroughly analyse anything applicable to your specific situation, such as concessions for Stamp Duty, PPR or Off-the-plan concessions, the FHOG (First Home Owner Grant), FHGB (First Home Guarantee), FHG (Family Home Guarantee), Victorian Homebuyer Fund etc.
• We also thoroughly discuss with you other significant buying costs, such as your government Stamp Duty costs, any LMI (Lender’s Mortgage Insurance) if applicable, and your Conveyancing costs (to transfer the property by either Lawyer or Conveyancer of your choice).
• We evaluate all aspects to ensure your loan will be approved smoothly, including helping with rectifications for any bad Credit History/Score that may impact your application.
• We recommend that we help you in getting a Pre-Approval, so that prior to buying, you can have a direct indication from the lender of how much can be approved (your borrowing limit).

We make the whole process — from application to settlement — smooth sailing for you, by being the one doing all the hard work with the lender (professionally dealing with their queries and demands).

Why use VIP Finance?