Start with a conversation. We’ll guide you through everything—from checking your borrowing capacity to comparing lenders. You don’t need to know the terms or process—we’ll explain it step-by-step.
We offer a full range of lending support including:
First Home Buyer Loans
Construction Loans
Refinancing
Bad Credit Loans
Vehicle & Equipment Finance
Commercial Loans
If you need finance, we’ll help you find the right structure and lender for your situation.
Typically, 20% is ideal—but many lenders accept as little as 5% for first home buyers. We’ll help you work out a deposit strategy that fits your timeline and eligibility (including government schemes).
Yes, you can. We work with lenders who specialise in helping people with credit defaults, missed payments, or even past bankruptcies. We look at your full financial story—not just your score.
Not always. We offer low-doc and alt-doc loan options for ABN holders, freelancers, and business owners who don’t have typical PAYG paperwork.
A bank offers their own products only. We compare 40+ lenders, tailor the loan to your goals, and do all the admin for you. Plus, we actually call you back.
We compare multiple lenders and loan products to find a rate that’s competitive—not just now, but long-term. We’ll show you the numbers clearly and explain the pros and cons.
Yes! We stay up to date with all national and state programs, including the First Home Guarantee, FHOG, and stamp duty concessions. We’ll check your eligibility and handle the paperwork.
We specialise in construction loans, including staged funding, builder contracts, and valuation management. Whether it’s a custom build or house & land package, we’ll help you finance it right.
Refinancing means switching to a better loan—often to save money, consolidate debt, or unlock equity. We’ll review your current setup and tell you if refinancing makes sense, without pressure.
Yes. We help clients finance second-hand cars, tools, machines, and business assets—whether through a dealer or private sale. We also offer fast turnaround for time-sensitive purchases.
Most of our services are completely free to you. We're paid by the lender once your loan settles. If a fee applies for a complex or commercial scenario, we’ll always tell you upfront.
Yes. While we’re proudly Melbourne-based, we work with clients across Australia via video calls, phone, email, and secure document upload. You’ll get the same personalised support—wherever you are.
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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