Your Financial Journey Starts Here
More Ideas for Your Money
Trusted mortgage broker with 15+ years of Australian banking expertise, delivering personalized lending solutions that turn your property dreams into reality
Lending solutions for every stage
First home buyer loans
Melbourne's market moves fast. We walk you through grants, stamp duty concessions and the deposit maths, then get you pre-approved so you can bid with confidence.
Investment loans
Structured for tax efficiency and cash flow, so your portfolio can keep growing past the second property.
Refinancing
A rate review across 35+ lenders. If switching won't help, we'll tell you that too.
Compare my rate →Bridging loans
Buy before you sell with a clear exit strategy and minimal holding costs.
Low doc loans
For contractors and business owners — assessed on bank statements, BAS or an accountant's declaration.
Construction loans
Progressive drawdowns coordinated with your builder and valuer, from land purchase to handover.
Business loans
Working capital and expansion funding, presented to lenders the way credit teams want to see it.
Asset & equipment finance
Machinery, vehicles and technology with repayments matched to the asset's working life.
Cash flow funding
Smooth out seasonal dips and payment gaps without stalling the business.
Car loans
New or used, chattel mortgage or hire purchase — with the tax treatment explained up front.
Debt consolidation
One manageable repayment, less interest, and a plan to stay ahead of it.
Personal & renovation loans
Weddings, education, a kitchen upgrade or a full extension — secured and unsecured options.
See what your repayments could look like
An indicative principal-and-interest estimate. Your actual rate depends on the lender, your deposit and your circumstances.
Estimate only. Not an offer of credit or financial advice.
Bank-side experience, on your side of the table
Fifteen years inside Australian banking taught us how applications are really assessed. We use that to position yours properly the first time.
Insider assessment knowledge
We know which lender says yes to your situation before we lodge.
35+ lender panel
Majors, second tier and specialist lenders — compared side by side.
Melbourne local
We understand suburb-level valuations and how local vendors negotiate.
Support past settlement
Annual rate reviews and a broker who still answers the phone in year three.
Four steps from first call to settlement
Discovery call
Twenty minutes on your goals, income and timeline. No cost, no obligation.
Strategy & options
A shortlist of lenders with rates, fees and structure laid out plainly.
Application & approval
We package the file, chase the lender and keep you updated at every stage.
Settlement & beyond
Coordinated with your conveyancer, then reviewed every year after.
Avanthi Ilangantileke
Fifteen years across Australian banking and finance, now spent entirely on getting clients the right loan rather than the bank's preferred one.
Noel Ilangantileke
Client relationships and business lending, with a focus on keeping applications moving and expectations honest.
“Avanthi made our first home buying experience so much easier than we expected. Her knowledge of the market and understanding of first home buyer grants saved us thousands. She was always available to answer our questions, no matter how small. Highly recommend Vish Finance!”
Questions we hear most
Something not covered? Ask us directly — we answer every enquiry ourselves.
Nothing in most cases. Lenders pay us a commission on settlement, which we disclose to you in writing before you apply. Where a fee does apply, you'll know before any work starts.
Let's talk about your next move
Three quick questions and we'll call you back at a time that suits. No obligation, no credit check.
