If you’ve landed on this page, chances are things haven’t been smooth financially—and that’s okay. Life happens. A few late payments, a tough year in business, a relationship breakdown, or unexpected expenses can leave marks on your credit file that feel bigger than they are.
At Kaushal Lending, we don’t define people by numbers. We look at the full picture—and help you move forward with confidence.
We’ve helped people across Melbourne and beyond secure home loans, even after:
Support you through every step : From paperwork and lender submissions to approvals and settlement—we keep it calm, clear, and pressure-free.
Getting a “no” from a bank doesn’t mean your chances are over. In fact, there are specialist lenders who exist because traditional banks say no.
We work with over 40 lenders, including those who:
Accept credit scores below 500
Consider applicants just months after bankruptcy
Understand real-life events like job loss or medical bills
Offer low-doc or alternative income options
We know who’s flexible, what paperwork is needed, and how to structure your loan so that your application is strong—even if your credit history isn’t.
No two financial journeys are the same, and we don’t believe in one-size-fits-all advice. Whether you’re buying your first home, building something new, refinancing to cut costs, or navigating a self-employed income, Kaushal Lending is here to make it simpler. As a trusted mortgage broker in Melbourne, we’ll guide you through real lending options—tailored to where you are now and where you want to go next.
Let’s be real—buying your first home can feel like a mess of numbers, banks, and confusing advice. We break it all down for you: how much you can borrow, what deposit you actually need, and what grants you’re eligible for (like the FHOG in Victoria). We’re a local mortgage broker in Melbourne, and we’ll be with you from that first “can I do this?” moment right through to getting the keys. Simple, honest help. That’s how we work.
Interest rates change. Life changes. Your loan should too. Whether you want to refinance to lower your monthly repayments, roll in some credit card debt, or access equity to renovate—this is where we shine. We do the legwork, compare better lenders, and make the switch smooth. It’s your money. We help you make more of it.
Construction finance isn’t like a normal home loan—it works in stages, and there’s a lot of timing involved. We help you line everything up so your loan keeps pace with the build, not the other way around. Whether it’s your dream home or your next investment, we’ll structure your construction loan to keep things running smoothly (and without surprise headaches).
Being self-employed or running multiple properties shouldn’t make finance harder—but banks don’t always agree. We work with lenders who get it. Whether your income is seasonal, split across entities, or just not super “bank-friendly,” we’ll help you find a home loan that works with your reality. From self-employed loans to smart solutions for property investors, we know the way through.
Let's talk about what you can borrow, how to structure it, and what makes sense for your goals. No jargon, no fluff—just the info you need.
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