Services
Home Loans
In this busy world, everyone dreams of owning a perfect abode where they can find solace at the end of the day. Buying a home is also becoming a Herculean task these days owing to the mounting real-estate prices.
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Business Loans
To get an overview of your financial situation and business goals, most lenders will want to see your business plan prior to loaning money to you. If you’re like many small business owners, you probably have asked “How can I get a business loan?”
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Personal Loans
Personal loans can be useful for a broad range of things: Whether it’s paying for a holiday, a wedding, financing home renovations, paying off debts or borrowing for education or medical purposes
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Vehicle Loans Services
We allow you to enter international waters without having to worry about making a mistake, as experience.
read moreA Few Of Our Panel Lenders
Understand Your Finances
Even if you don’t prepare your own financial statements, it’s important to have a basic understanding of your finances.
Preparing a cash flow statement gives you a good snapshot of your money coming in and going out such as:
- Current income
- Net profit
- Expenses
- Future projections
The requirements to get a vehicle loan
While each lender may have its own eligibility criteria, they generally all have the same requirements:
- Proof of age, identity and residence
- Proof of income and expenses
- Details of assets and liabilities
- Proof of savings
- Good to excellent credit score
- Information about the vehicle and insurance
When shouldn’t you refinance?
There are times when refinancing might actually be a bad idea, and it’s really important to assess whether or not switching mortgages will hurt you. Here are some situations where you probably shouldn’t refinance.
- If you have a fixed rate home loan.
- If the set-up costs outweigh the savings.
- If the new loan has high fees
- If your new home loan doesn’t have the features you need
What Should You Expect
- Assess your needs and goals to find the best solution for you out of 45 lenders.
- Act as an intermediary between you & the lender.
- Check your Income, Assets & Liabilities to let you know about your borrowing capacity
- Explain different loan products, their features & costs associated with them.
- Answer all the queries you have
- Do all the paperwork for you on your behalf to apply for your loan
- Followup with the lender from application stage till settlement.
Testimonials
Vibha is professional and competent. Recently she helped us save a lot of money by transferring our loan to a different bank. She provided us exceptional services, was available when we had questions and sometimes visited us when we couldn’t. I strongly recommend Vibha Mangla and her company VM Mortgage & Finance for all your mortgage needs. You can trust Vibha Mangla.
Hi, I have 3 home loans settled with Vibha in very quick time and very low interest rate.She explains very well and compares all pros and cons with different options.I am very happy with outcomes and highly recommend her for loan requirements to anyone. I once again thank Vibha for looking after our mortgage .Due to her efforts I am saving lots of money in repayments.
Vibha made my refinancing of the current loan and new construction loan a seamless process. She regularly kept me updated on the process of my applications and was able to provide me with multiple lender options to choose from. I would recommend Vibha to anyone who is seeking professional and prompt mortgage and financial services.
I would strongly recommend VM Mortgage & finance (Vibha Mangla) for any type of loan. She has excellent knowledge and huge range of lenders. I was looking for home loan from last six months, i have met more 20 mortgage broker but due to poor credit history I was not getting good interest rate. but one of my friend recommend Vibha’s name. She gone through my details and found the best lender for me which give me good interest rate and the lowest interest rate in my criteria. she is really honest person and also gives honest suggestions, like what are options she can do for getting loan. i would really appreciate her efforts and customer service provided to us. Again I would strongly recommend her for any type of loan.
Excellent service. Best in Adelaide. I got the best mortgage deal from them to reduce my installments by 25%.