Finance Simplified. Solutions Tailored.
Finance should be built around you — not bank policies or generic checklists.
At VaultFin, we bring clarity, confidence, and strategy to every lending decision.Whether you’re buying your first home, growing an investment portfolio, or navigating complex income or structures, we’re a boutique mortgage brokerage: small enough to care deeply, experienced enough to solve the problems most avoid.
Our Partners
At VaultFin, our partnerships are intentionally chosen to make lending faster, safer, and more accurate. Each partner brings specialised tools, technology, or expertise that strengthens how we assess, structure, and deliver lending solutions. From compliance networks to open banking systems and credit repair specialists, every partnership is selected with one purpose — to give clients more clarity, more choice, and a smoother journey from inquiry to settlement.
Finsure provides the compliance, technology, and operational support that powers our lending process.
40+ Lenders give clients unmatched choice and tailored loan structures for every income type.
LendConnect delivers fast, specialised personal and asset finance solutions.
Frollo offers secure open banking data for faster, more accurate lending insights.
Credit Fix Solutions helps clients repair credit files ethically to unlock better borrowing opportunities.
Client-First Partnerships ensure every tool and expert we use genuinely improves the lending experience.
Become a Referrer
Partnering with VaultFin as a referrer means giving your clients access to personalised lending guidance, smarter structures, and a team that genuinely cares about long-term outcomes. We treat every referral with professionalism, transparency, and communication that keeps both you and your clients informed at every step. Whether you’re an accountant, agent, planner, or service professional, our referral program is designed to make the process easy, rewarding, and built around trust.
Why Refer Clients to Us: Your clients receive expert lending advice and a smooth, supportive experience from start to finish.
What Makes Us Different: We specialise in complex lending scenarios and prioritise clarity, communication, and long-term strategy.
Benefits for Referrers: You stay informed throughout the process while your clients gain access to better lending outcomes.
Who We Work With: Accountants, real estate agents, financial planners, solicitors, and service professionals across industries.
Referral Process / Options: Simple referral pathways with flexible communication and updates tailored to your preferences.
Partner Enquiry Form: A dedicated submission form to connect, collaborate, and start referring clients seamlessly.
Our Trusted Partners
Finance Made Simple. Built Around You.
Tailored Lending Solutions
Future-Ready Finance Strategy
Experts Who Truly Care
Trusted Results, Real Client Wins
How We Can Help
First Home Buyers
Buying your first home is exciting — and overwhelming. We guide you through every step, from borrowing capacity and grants to pre-approval and settlement, so you can move forward with confidence and clarity.
Refinancing
Your circumstances change. Your loan should keep up. We review your existing lending to reduce interest, improve cash flow, and access equity — ensuring your mortgage continues to work in your favour.
Property Investors
Successful investing requires more than a sharp rate — it needs a roadmap. We design portfolio-focused lending strategies that protect borrowing power, avoid restrictive structures, and support long-term wealth growth.
Self-Employed & Complex Lending
Self-employed income doesn’t fit neatly into bank boxes — and that’s okay. We specialise in helping business owners, contractors, and company directors secure finance when income, structures, or documentation are less than standard.
SMSF Loans
We provide finance solutions for residential and commercial property within your SMSF, structured in line with compliance requirements and lender guidelines. Our approach focuses on clarity, strategy, and long-term alignment with your retirement goals.
Commercial Finance
We offer tailored commercial lending solutions, including business loans, equipment finance, and development funding. Each structure is designed to support cash flow, growth, and the evolving needs of your business.
Why Choose VaultFin
We solve the “too hard” deals
Complex income, trust structures, or prior declines — we thrive where others hesitate.
Access to 40+ lenders
Major banks, non-banks, and specialist lenders. We match you to the right policy, not the other way around.
Future-focused lending
Your loans are structured to protect future borrowing capacity — so today’s decision doesn’t limit tomorrow’s opportunities.
Ongoing guidance
Our work doesn’t stop at settlement. We conduct proactive reviews every 6–12 months to keep you in the strongest possible position as markets and policies change.
Transparent advice
Plain language. Honest conversations. No surprises. You stay informed and in control at every stage.
Meet The Team
Behind every great lending outcome is a team that genuinely cares.
At VaultFin, we’re a close-knit group of specialists who believe finance should feel clear, supportive, and well thought out. We combine deep technical expertise with a people-first approach — giving every client confidence at each step of the journey.
Mary Khatchadourian
Founder & Senior Broker
Mary leads VaultFin with a rare balance of technical expertise and genuine care. She specialises in complex lending scenarios, including self-employed clients, multi-entity structures, and strategic lending for long-term wealth.
Known for her calm, direct approach, Mary is trusted by clients who want clarity, honesty, and solutions — especially when others have said no. As an active investor herself, she brings a strategic, forward-thinking lens to every lending structure she designs.
Jenny Kladis
Mortgage Broker
Jenny is known for her calm, considered approach and her ability to make complex lending feel manageable. She takes the time to understand each client’s situation, explaining options clearly and guiding them with confidence and care.
Whether working with first home buyers, refinances, or more complex scenarios, Jenny’s strength lies in her attention to detail and steady support throughout the process.
Natalie Shabaz
Broker Support
Natalie is the engine room behind the scenes, ensuring every application progresses smoothly from start to settlement. With a strong background in client service, she manages documentation, timelines, and lender coordination with precision and care.
Her proactive approach and attention to detail help reduce delays, minimise back-and-forth, and create a seamless experience for both clients and brokers.
Chance
Head of Customer Service
Chance is the heart of the office and VaultFin’s most enthusiastic team member. Specialising in morale boosting and emotional support during loan assessments, he firmly believes every meeting is better with a wagging tail nearby.
His core competencies include client greetings, lap-based supervision, and reminding everyone that finance doesn’t have to feel intimidating.
Chilli
Head of Security
Chilli takes her role very seriously. Always alert and highly vigilant, she monitors the office for potential threats — including delivery drivers, unexpected noises, and suspicious leaves.
Small in size but big on confidence, Chilli ensures the VaultFin office remains safe, secure, and fully supervised at all times.
Ready For Your Next Move?
Whether you’re buying a home, restructuring existing loans, or planning your next investment, the right strategy makes all the difference.
Let’s build a lending plan that works for you.
What Our Clients Say
“Jenny and Mary took a lot of the stress out of me buying a new home. I actually changed mortgage brokers because my first experience was very complicated. It was refreshing to have everything simplified.
Thank you Jenny and Mary.”
“Working with Mary and Jenny was an absolute pleasure. They took the time to understand our needs and presented options with very competitive rates. Knowing VaultFin was in our corner made the process far less stressful.
The follow-ups and check-ins were an unexpected bonus. Thank you Mary and Jenny.”
Jenny and Mary took a lot of the stress out of me buying a new home. I actually changed mortgage brokers as my first one was very complicated. It was very refreshing to have it simplified for me.
Thank you Jenny and Mary