Viral Sheth - Mortgage Broker

Viral Sheth - Mortgage Broker I work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow.

My goal is to build lasting relationships based on trust and deliver exceptional results that exceed your expectations. 📅 Book your free discovery call via the link below. Whether you are re-financing, down-sizing, investing, or buying your first home, our role is to guide you through the home loan process to ensure that all your needs and options are considered. Contact for a no obligation consul

tation on 0430 023 917 to discuss your loan needs. Credit Representative 569422 is authorised under Australian Credit Licence 543697. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

For some homeowners, renovating can be an alternative to moving. Depending on the situation, home loans may allow access...
11/06/2026

For some homeowners, renovating can be an alternative to moving.

Depending on the situation, home loans may allow access to equity that can help fund renovations or improvements.

Understanding the available options can help homeowners plan upgrades without unnecessary financial pressure.

One thing I hear often is that buyers believe they must save a 20% deposit before purchasing a home. Some buyers enter t...
09/06/2026

One thing I hear often is that buyers believe they must save a 20% deposit before purchasing a home.

Some buyers enter the market with a smaller deposit depending on their situation and the loan options available.

Understanding what’s possible can sometimes help people move forward sooner than they expected.

A lot can change in a few years. Interest rates move. Lending policies evolve. And your financial situation may be very ...
04/06/2026

A lot can change in a few years.

Interest rates move.
Lending policies evolve.
And your financial situation may be very different from when you first took out your loan.

That’s why many homeowners benefit from reviewing their loan from time to time.

Sometimes small adjustments can make a meaningful difference.

02/06/2026

Borrowing power has changed a lot over the past few years.
Getting clarity early can help you plan your next move with confidence.

With sustainability becoming more mainstream, environmental-linked loan options and incentives are gaining traction. Som...
27/05/2026

With sustainability becoming more mainstream, environmental-linked loan options and incentives are gaining traction.

Some lenders offer pricing benefits for energy-efficient homes or green upgrades (e.g., solar, insulation, EV charging at home).

It’s another way to save over time while reducing your environmental impact.

In a tighter cost-of-living environment, many Australians are choosing structured finance for vehicles or work-related a...
26/05/2026

In a tighter cost-of-living environment, many Australians are choosing structured finance for vehicles or work-related assets instead of dipping into savings.

Asset finance can protect your cash flow while helping you grow your business or lifestyle.

Understanding term, repayment flexibility, and balloon options can make a big difference.

If your deposit is below 20%, you may be required to pay Lenders Mortgage Insurance. LMI protects the lender — not the b...
21/05/2026

If your deposit is below 20%, you may be required to pay Lenders Mortgage Insurance.

LMI protects the lender — not the borrower — but it can allow you to enter the market sooner with a smaller deposit.

In some cases, it can be added to the loan. In others, there may be alternatives depending on your situation.

Knowing how it works helps you decide whether waiting or moving sooner makes more sense.

Settlement is not the end of the journey — it is the beginning. How your loan is structured today can influence your abi...
19/05/2026

Settlement is not the end of the journey — it is the beginning.

How your loan is structured today can influence your ability to refinance, invest, or upgrade later.

Thinking beyond the purchase keeps your options open and positions you strongly for the future.

Upgrading homes can feel overwhelming — especially when timing matters. Questions like: • Do we buy first or sell first?...
14/05/2026

Upgrading homes can feel overwhelming — especially when timing matters.

Questions like:
• Do we buy first or sell first?
• What happens if settlement dates don’t align?
• How do we manage two loans temporarily?

There are structured ways to manage this transition smoothly.
The key is planning early, not rushing late.

If you’re thinking about upgrading, strategy matters.

Your credit score isn’t just a number — it can impact: • Your approval outcome • The lenders available to you • Even the...
12/05/2026

Your credit score isn’t just a number — it can impact:
• Your approval outcome
• The lenders available to you
• Even the rate you’re offered

Simple things like missed payments, too many credit enquiries, or unused credit cards can influence your score.

Before applying, it’s worth checking where you stand. A little preparation can go a long way.

Address

24, Lachlan Street, Liverpool
Sydney, NSW
2170

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