Your trusted mortgage broker in Melbourne, simplifying home loans and finance across Australia
Smart finance. Personalised guidance. Results that make sense.
At Kaushal Lending, we believe finance should feel empowering—not overwhelming. Whether you’re buying your first home, building a property, refinancing an existing loan, or exploring commercial lending, our team helps you navigate the process with confidence.
Kaushal Lending – Helping Melbourne Borrowers Make Confident Home Loan Decisions |
Looking to Buy, Build, or Refinance? We’re Melbourne’s Mortgage Experts |
Home Loans | Refinance | Bad Credit? Kaushal Lending Has You Covered
40+
Lenders to choose from
Smarter Lending Starts Here
Trusted by Home Buyers Across Victoria
As a leading mortgage broker in Melbourne, we work with over 40 lenders to match your goals with the right finance strategy. Our advice is transparent, our service is personal, and our focus is always on helping you make informed, confident financial decisions.
- First Home Buyer Loans
- Construction Loans
- Bad Credit Loans
- Asset Finance
- Commercial Loans
- Refinance
Who We Help
At Kaushal Lending, we work with a wide range of clients from all walks of life—offering personalised property finance solutions backed by experience and local insight. As a trusted mortgage broker in Melbourne, we’re proud to support:
First-home buyers navigating grants, deposits, and lender hoops
Self-employed professionals with fluctuating income or limited documentation
Clients with past credit issues looking to rebuild
Families upgrading their homes or consolidating finances
Investors looking to grow their property portfolio
Business owners needing equipment, cash flow, or commercial property loans
If you’ve got a financial goal, we’ve got a lending strategy to match—no matter where you are on your property journey.
Our Ethics
We believe that behind every home loan is a human story—and that’s why Kaushal Lending commits to values that put people first:
- Integrity – Always acting in your best interest
- Clarity – Breaking down complex lending processes into easy-to-understand steps
- Respect – Supporting you, no matter your background or credit history
- Accountability – Standing by you at every step, with no surprises
- Realism – Giving you honest, realistic advice based on your current financial position and the broader Melbourne property market
Our Mission
Our mission at Kaushal Lending is simple: to provide clear, honest, and tailored lending support that empowers Australians to make informed financial decisions with confidence.
We’re not here to just get you a loan—we’re here to help you understand it, own it, and grow with it. As a reliable and experienced mortgage broker in Melbourne, our goal is to demystify the home loan process and help you take the next step with clarity and peace of mind.
Finance Fun Facts
(That Actually Matter)
WHAT WE OFFER
Here’s a quick overview of how we support you:
We specialise in first home buyer loans in Melbourne, helping you secure the right loan, access grants like the FHOG, and take the guesswork out of getting into the market.
Whether you’re building your dream home or developing an investment property, we’ll help you structure your funding and manage drawdowns smoothly.
We help you move beyond past defaults, late payments, or bankruptcies — connecting you with lenders who assess your real story, not just your score.
Need a new car, van, equipment or work vehicle? We provide fast approvals and flexible options for individuals and businesses.
From funding a business expansion to purchasing commercial property, we find strategic finance solutions for small and medium business owners.
Whether you’re looking to reduce your interest rate and lower monthly repayments, consolidate debts into one manageable loan, access equity for renovations or investments, or simply switch to a lender that better aligns with your needs.
At Kaushal Lending, we work with a wide range of clients from all walks of life
Our Process: What to Expect
We take the guesswork out of loans by giving you a clear, step-by-step process from day one.
Kaushal Lending offers tailored mortgage solutions across Melbourne, helping clients with first home loans, construction finance, refinancing, bad credit lending, vehicle and equipment loans, and commercial funding. As your lending partner, we provide clear guidance, compare over 40 lenders, and support you through every stage—making smarter finance simple and accessible.
TESTIMONIALS
What They Say About Us
Whether you prefer a phone call, Zoom chat, or face-to-face catch-up, we’ll meet you where you’re most comfortable. Our goal is to make finance human again — grounded in connection, not confusion. Our clients have some amazing things to say about us.
Kaushal Lending took what felt overwhelming and made it manageable. I finally understood what I was signing, and they found a lender who saw my potential — not just my past.
Michael A., Sunshine North
Professional, responsive, and genuinely caring. They were with me through every step of the loan process, and it made a massive difference.
Sophie J., Glen Waverley
I run a small business and had been declined by two banks. Kaushal Lending found a lender who supported entrepreneurs like me and got me funded in under three weeks.
Dainella K., Melbourne CBD
Questions People Are Asking About the Property Market
Buying property, refinancing, or investing can feel like navigating a maze. Here are some of the most common questions we get — with straightforward answers to help you feel informed and confident.
It depends on your personal goals, finances, and long-term plans. While the market fluctuates, owning property is still one of the most stable long-term investments. We help you assess if the timing is right for you — not just the headlines.
You don’t always need 20%. Many lenders accept deposits as low as 5–10%, especially if you’re a first home buyer. We’ll help you explore low-deposit options and explain Lenders Mortgage Insurance (LMI) too.
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Depending on your state, income, and property type, you may qualify for the First Home Owner Grant (FHOG), stamp duty concessions, or the First Home Guarantee (which allows 5% deposits with no LMI). We guide you through all your options.
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There are many reasons — from unstable income or credit issues to policy mismatches. One lender’s “no” doesn’t mean every lender will say the same. We help people who’ve been declined find lenders that are a better fit
Fixed rates stay the same during the set term, while variable rates can go up or down. We explain the pros and cons of each — and help you decide whether stability or flexibility suits your goals better.
Your borrowing power depends on your income, expenses, existing debts, and the lender’s assessment policies. We give you a realistic figure (not just an online calculator guess) and help you plan accordingly.
Great question! You’ll need to factor in:
Stamp duty (unless waived)
Conveyancing/legal fees
LMI (if applicable)
Building/pest inspections
Moving or renovation costs
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.
