Amrit Mahara: Vibes Finance Mortgage & Finance Broker

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Amrit Mahara: Vibes Finance Mortgage & Finance Broker

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Mortgage Broker based in Sydney NSW, offering mortgage broking services to clients across Australia

Amrit Mahara is a credit representative (CR No. 530077) of Buyers Choice Licencing Pty Ltd ACN 626172281 (Australian Credit Licence No. 509484).

30/10/2026

Happy Halloween! 👻

Wishing you a good company and the best lollies in the bowl.

28/10/2026

If your business has grown since your latest tax return, you might wonder how that fits into a home loan application.

Some lenders may consider more recent financial information too. What they accept and how they assess it will vary.

A busy few months won’t automatically mean a bigger loan, but it’s worth exploring.

Let’s talk about the documents that could help explain your current position.

General information only. Finance is subject to assessment and lender criteria.

24/10/2026

Before trading in, compare what your car is worth with the amount needed to pay off its loan.

A $25,000 trade-in with a $30,000 loan payout leaves a $5,000 gap.

That money still needs to come from somewhere. Don’t assume the new loan will cover it.

Let’s check the old loan before planning the new wheels.

Illustrative example only. General information only. Finance is subject to assessment and lender criteria.

20/10/2026

A lower rate looks good. But how long will it take to cover the cost of switching?

For a simple example: if refinancing costs $2,000 and saves $100 a month, it takes around 20 months to recover those costs.

That’s before allowing for changes in rates, balances or other loan details.

If you’re planning to sell soon, that timing matters.

Let’s check the costs, savings and your plans together.

Simplified illustration only. General information only. Finance is subject to assessment and lender criteria.

14/10/2026

The rent helps pay the loan. Until there’s a gap between tenants.

Loan repayments and property expenses keep coming, even when the property is empty.

Before buying, check how your budget would handle a vacancy, an unexpected repair or both at once.

Let’s look at the borrowing costs with some breathing room built into the numbers.

General information only, not investment or tax advice. Finance is subject to assessment and lender criteria.

13/10/2026

A balloon payment is a lump sum due at the end of some car loans.

It can make the regular repayments smaller but that final amount still needs paying. Selling the car might not cover it and getting another loan isn’t guaranteed.

Before saying yes, check the repayments, total cost and what’s due at the finish line.

Got a car finance quote? Let’s take a look.

General information only. Finance is subject to assessment and lender criteria.

09/10/2026

$80,000 saved doesn’t mean an $80,000 deposit.

Buying costs like legal fees, inspections and any stamp duty may come from the same savings.

Plan for three things: your deposit, buying costs and a buffer for life after settlement.

Let’s check the numbers before you make an offer.

General information only. Eligibility and lending criteria apply. Fees and charges may apply.

09/10/2026

We appreciate the kind feedback from our clients following our recent meeting. We are pleased to assist with your home loan needs and remain committed to professional, transparent service.

06/10/2026

Australia’s national Home Value Index fell 1.1% in September, marking the sixth month in a row of declines. Every capital city except Darwin recorded a fall.

So, what could that mean for you?
• Buying? Softer prices and less competition may give you more choice and negotiating power.
• Already own? Changes in value could impact your equity and refinancing options.
• Investing? Lower prices may open up opportunities, but interest rates, holding costs and cash flow still matter.

Thinking about your next move? Get in touch and we can look at what the current market could mean for your plans.

General information only. It does not take into account your objectives, financial situation or needs.

05/10/2026

Meet Ashmita Karki, Credit Analyst at Vibes Mortgage & Finance.
Ashmita assesses each loan application with accuracy, care and integrity, so our clients can move forward with confidence.
Please join us in welcoming Ashmita to the team! 💙

Address

Sydney, NSW

Telephone

+61450870002

Website

https://vibesfinance.com.au/

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