Your home loan, handled right.
Nikhil Finance Australia compares home loans from 40+ lenders to find your best rate — zero broker fees, CA-qualified advice, pre-approval in 3–5 business days.
Free Assessment
Get your free home loan assessment
No obligation. No broker fees. ASIC regulated.
Every type of loan, one expert broker.
From your first home to a commercial portfolio — Nikhil Finance compares lenders and structures the right loan for your goals, completely free of charge.
Home Purchase
Whether buying your first home or upgrading, we compare 40+ lenders to find the right loan structure, rate, and features for your situation.
First Home Buyer
Access the First Home Guarantee (5% deposit, no LMI), First Home Owner Grant, and stamp duty concessions. We guide you through every step.
Refinancing
Post-RBA rate cuts mean significant savings are available. We'll find you a better deal and handle the entire switch — often in under 2 weeks.
Investment Property
Structure your investment loan for maximum tax efficiency. We work alongside your accountant to set up interest-only or P&I loans across your portfolio.
Construction Loans
Progressive drawdown loans matched to your build schedule. We coordinate with your builder and lender so payments flow without delays.
Commercial & SMSF
Commercial property, SMSF lending, and business equipment finance. Nikhil's CA background means holistic advice across your full financial picture.
From first call to settlement day.
We develop your loan application with the same rigour a CA brings to financial advice — precise, thorough, and always in your best interest.
Free Consultation
A 20-minute call with Nikhil to understand your goals, income, deposit, and timeline. No paperwork yet — just a genuine conversation about your situation.
Lender Comparison
Nikhil searches 40+ lenders — major banks, credit unions, and non-bank lenders — to find the loan with the best rate, features, and approval likelihood for you.
Application & Pre-Approval
We prepare your complete application, manage all lender communication, and chase pre-approval — typically within 3 to 5 business days.
Settlement & Beyond
We coordinate with your solicitor, real estate agent, and lender through to settlement. Then we stay in touch — checking your rate every 12 months to keep it competitive.
Australians choose brokers for good reason.
of all new home loans in Australia were written by mortgage brokers in Dec 2025
MFAA Industry Datain new home loans facilitated by brokers in the December 2025 quarter alone
MFAA Industry DataCAGR in the Australian mortgage broking industry between 2020 and 2025
IBISWorld 2025Chartered Accountant (CA ANZ) · Diploma of Finance & Mortgage Broking Management · BCom (Accounting) & BIT, University of Sydney · ASIC regulated under the National Credit Act
"Nikhil found us a rate 0.45% lower than what our own bank offered — that's over $40,000 in interest savings over the life of the loan. His CA background meant he understood our tax situation too."
"We were struggling to get pre-approval from the big banks due to our self-employed income. Nikhil knew exactly which non-bank lenders to approach and had our pre-approval within 4 days."
"Refinancing felt overwhelming until we spoke with Nikhil. He handled everything — discharge fees, new application, everything. We went from 6.34% to 5.79% in under two weeks."
Ready to find your best home loan?
Fill in your details and Nikhil will call you within 1 business day for a free, no-obligation assessment. Zero broker fees, ever.
Enquiry Form
No obligation · No broker fees · ASIC regulated · CA-qualified advice