Vik Finance

Vik Finance Here for all your Mortgage and Finance needs

Full-time, part-time, casual employment? We are here for all ▶️No matter your employment status, we’re experienced in ma...
24/07/2024

Full-time, part-time, casual employment?
We are here for all ▶️

No matter your employment status, we’re experienced in managing all employment types. Remember, for part time and casual employment, lenders often require a consistent track record of 3-6months to validate your earnings and job stability.
Vik finance will walk you through the process and explain all necessary steps to apply for your loan.

Trust The Process With VIK FINANCE
📞 0405 601 111
📧 [email protected]

Complex deal / Vanilla deal? We are here for both▶️Whether it’s a challenging deal or a straightforward one, we’re exper...
15/07/2024

Complex deal / Vanilla deal?
We are here for both▶️

Whether it’s a challenging deal or a straightforward one, we’re experienced in managing all transaction types and provide clear explanations throughout the loan process to support your objectives.

Trust The Process With VIK FINANCE
📞 0405 601 111
📧 [email protected]

High / Average / Low Credit Score? ▶️Although a good credit score is helpful with major banks. However, we have access t...
12/07/2024

High / Average / Low
Credit Score? ▶️

Although a good credit score is helpful with major banks. However, we have access to lenders who will prioritise other financial criteria in their loan assessments to approve your deal.

Wondering what your lending options are with High, medium, or low credit score?
Contact us to explore your options.

📞 0405 601 111
📧 [email protected]

Looking to grow equity in your property? ▶️▶️▶️▶️1- 💰Mortgage payments: making extra repayments towards the loan princip...
21/04/2024

Looking to grow equity in your property? ▶️▶️▶️▶️

1- 💰Mortgage payments: making extra repayments towards the loan principal can accelerate equity growth.

2- 📈 Increase in property value: The market value of property goes up = the equity of property also goes up.

3- 🏚️ Home improvements: renovating or upgrading your property can increase its market value, thus boosting equity.

4- 📊Offset account: money in offset account means paying less interest on home loan, allowing you build equity faster.

QUICK NOTE: “Equity” is the difference between the valuation of the property and the outstanding balance on loan secured against the property.

📞 0405 601 111
📧 [email protected]

If you have plans to purchase a property in the next 3-6 months, consider these three steps to enhance your borrowing ca...
16/04/2024

If you have plans to purchase a property in the next 3-6 months, consider these three steps to enhance your borrowing capacity➡️➡️➡️

1. Reduce bad debt: Not sure about identifying bad debts? Reach out to Vikfinance to understand the difference between good and bad debt. We’ll support you in maximising your borrowing capacity for your upcoming purchase.

2. Reduce living expenses: Cut down on unnecessary spending habits and find areas where you can spend less.

3. Consistent overtime: Boost your income by doing consistent overtime at work. Lenders usually include overtime earnings in your income assessment if it’s maintained for 3-12months.

📞 0405 601 111
📧 [email protected]

Two steps to consider when thinking about getting a home loan▶️▶️1. Know your budget: when you have a clear understandin...
15/04/2024

Two steps to consider when thinking about getting a home loan▶️▶️

1. Know your budget: when you have a clear understanding of your budget and the deposit you have set aside for your property purchase, it enables the mortgage broker to recommend home loan options that are in line with your financial capabilities.

2. Talk to a mortgage broker: At Vikfinance, we’ll walk you through the entire home loan process, ensuring clarity from start to finish. Furthermore, we’ll provide detailed explanations on all associated costs, fees, stamp duty, lenders mortgage insurance (LMI), borrowing capacity, mortgage repayments and more.
📞 0405 601 111
📧 [email protected]

Want to discover your borrowing capacity from a selection of over 30 lenders ? We’re here to assist you in understanding...
23/02/2024

Want to discover your borrowing capacity from a selection of over 30 lenders ?

We’re here to assist you in understanding your borrowing power and determining how much each lender is willing to lend you based on your current situation.

Contact us now to arrange a mortgage consultation
📞 0405 601 111
📧 [email protected]

Considering expanding your property portfolio ? With access to over 30 lenders, we’re well positioned to assist you in s...
22/02/2024

Considering expanding your property portfolio ?

With access to over 30 lenders, we’re well positioned to assist you in securing the ideal loan tailored to your needs.

Contact us today to schedule a mortgage consultation
📞 0405 601 111
📧 [email protected]

Are you ready to buy your investment property ? With access to over 30 lenders, we can assist you in securing the ideal ...
20/02/2024

Are you ready to buy your investment property ?

With access to over 30 lenders, we can assist you in securing the ideal investment loan tailored to your needs.

Let us be your guide in growing your property portfolio.
📞 0405 601 111
📧 [email protected]

If you’re considering building a house, reach out to us to explore how we can assist in turning your dream home into a r...
14/02/2024

If you’re considering building a house, reach out to us to explore how we can assist in turning your dream home into a reality.

We’re experts in construction loans and committed to guiding you through the entire loan application process and support you through every stage until your build is completed.
📞 0405 601 111
📧 [email protected]

Are you ready to take out your first home loan?Take the first step by reaching out to us as we discuss your options. 📞 0...
09/02/2024

Are you ready to take out your first home loan?

Take the first step by reaching out to us as we discuss your options.
📞 0405 601 111
📧 [email protected]

Given the 13 interest rate hikes and the cash rate standing at 4.35%, there’s no better time to prioritise your financia...
09/02/2024

Given the 13 interest rate hikes and the cash rate standing at 4.35%, there’s no better time to prioritise your financial well-being.

Contact Vikfinance for a comprehensive home loan health check.
📞 0405 601 111
📧 [email protected]

Address

St Kilda Road
Melbourne, VIC
3004

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 10:30am - 3:30pm
Sunday 10:30am - 3:30pm

Telephone

+61405601111

Website

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