Straightforward lending support — no jargon, no pressure.
At Kaushal Lending, we offer more than just loan options — we offer guidance, clarity, and someone in your corner. Whether you're buying your first home, building something new, or recovering from a rough financial patch, we’ll help you understand what’s possible and how to get there.
We’ve worked with hundreds of everyday people across Melbourne and beyond. Whatever your situation, we’ll help you find a lender and a solution that fits.
Did you know
Many Melbourne first home buyers qualify for stamp duty exemptions or discounts—even with as little as a 5% deposit.
You could also be eligible for the First Home Guarantee, which lets you avoid paying LMI—potentially saving you $10,000 or more.
Ready to take the first step?
Finance made simple Advice you can trust
Why We’re Different”
At Kaushal Lending, we don’t believe in sales scripts or one-size-fits-all advice. We listen, learn what matters to you, and then craft a lending strategy that supports your goals—whether you’re a first-time buyer, business owner, or building something new.
We’re here to explain the fine print, break down your options, and walk with you through every stage—from the first chat to final settlement.
- Transparent process
- Access to 40+ lenders
- Options for all financial backgrounds
- Based in Melbourne, helping clients Australia-wide
We know how lenders think—so we work smarter.
The lending world changes constantly. Rates shift, policy rules tighten, and what worked last year might not work now.
At Kaushal Lending, we stay across it all. We know how different lenders assess risk, what documentation they require, and how to position your application for the best outcome.
We don’t just fill out forms. We work the strategy behind your loan—so you can get it approved faster, with fewer surprises.
- Up-to-date lender knowledge
- Tailored submissions (not generic applications)
- Access to over 40 lenders across major banks, second-tier, and specialist providers
Melbourne market knowledge with national perspective.
Whether you’re buying in Carlton or building in Clyde North, local knowledge makes a difference. We understand Melbourne’s real estate and lending trends—from hot suburbs to hidden value.
At the same time, we work with clients all across Australia, which gives us a broader view of lending policy shifts, niche lender offerings, and regional opportunities.
- Familiar with Melbourne council zoning and land release areas
- Insights on bank postcode restrictions
- Guidance on how lender policies impact different markets (metro vs regional)
First Home Buyer Loans
Buying your first property is exciting—but it can also be overwhelming. With so many lenders, loan products, grants, and terms out there, it’s easy to feel lost before you even begin. That’s where we come in.
As your local Melbourne mortgage broker, we simplify the first home journey. We don’t just compare home loans—we guide you through every step, from deposit strategies and borrowing power to pre-approval and settlement. Whether you’re buying a city apartment or a house in the suburbs, we help you get it right from day one.
Construction Loans
Building a new home or investment property? It’s an exciting step—but it comes with more moving parts than a standard home loan. From progress payments to lender conditions, construction finance has its own rules. We’ll help you make sense of them.
As your trusted Melbourne mortgage broker, we’ll structure your loan to fit your builder’s timeline, ensure funding is released at the right stages, and help you avoid costly delays or approval issues. Whether it’s your dream home or next big project, we’re here to help you build it with confidence.
Bad Credit Home Loans
Had some bumps along the way? You’re not alone—and it doesn’t mean your home ownership goals are out of reach. We work with lenders who specialise in helping people with credit defaults, missed payments, or past financial challenges.
As experienced lending partners in Melbourne, we take the time to understand your full financial story. Then we match you with loan options designed for second chances—without judgement or unnecessary barriers. You might be closer to approval than you think.
Vehicle & Equipment Finance
Need a car for work, a new ute for your business, or equipment to keep your operations running? We offer flexible finance options to get you moving—without the dealership stress or long bank wait times.
Whether you’re a sole trader, ABN holder, or employed full-time, we’ll find a finance solution that suits your cash flow, business needs, and budget. Quick approvals. Clear terms. No pressure—just smart support.
Commercial Loans
Running a business comes with big decisions—and sometimes big investments. Whether you’re purchasing a commercial property, fitting out a new space, or expanding your operations, the right finance makes all the difference.
We work with business owners across Melbourne to secure tailored commercial loan solutions. From low-doc options to full financials, we match you with lenders who understand your industry, timeline, and long-term vision.
Frequently Asked Questions
Start by understanding your borrowing capacity, deposit size, and estimated repayments. We’ll help you factor in hidden costs like stamp duty, LMI, and conveyancing. As your lending partner, we can also connect you with tools and strategies to build a smarter home-buying budget.
Yes. We work with lenders who specialise in helping people with credit challenges—like defaults, late payments, or previous financial hardship. We’ll assess your full situation and explore second-chance loan options that may suit you.
Most lenders prefer a 20% deposit, but there are plenty of options with just 5–10%, especially if you’re eligible for schemes like the First Home Guarantee. We’ll help you find a strategy that works for your budget and timeline.
Lenders Mortgage Insurance (LMI) is usually charged if your deposit is under 20%. You may be able to avoid it through government programs or certain lender products. We’ll help you compare and calculate whether paying LMI or increasing your deposit makes more sense for you.
Construction loans are paid in stages, aligned with your build progress (slab, frame, lock-up, etc). You only pay interest on the amount drawn at each stage. We manage the paperwork and timing with your builder and lender to make sure everything runs smoothly.
Absolutely. Many of our clients are sole traders or small business owners. We work with lenders who accept BAS statements, accountant letters, or low-doc applications. Your loan will be tailored around how your income flows, not just a payslip.
Yes. A guarantor (often a parent or family member) can help you secure a home loan with a smaller deposit or avoid LMI. We’ll walk you through the benefits, risks, and lender requirements before making any decisions.
Key Loan Solutions
The Right Loan, For Where You’re At
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.
We compare 40+ lenders so you don’t have to.
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.
