Finance Made Simple. Solutions Made Personal.
We believe finance shouldn’t be confusing, stressful, or designed around bank priorities. It should be built around you. At VaultFin, we bring clarity, confidence, and strategy to your lending experience. Are you buying your first home, growing an investment portfolio, or have a complex income structure? We are a boutique brokerage that is small enough to care deeply. And, experienced enough to solve the problems most brokers 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
Our Services
First Home Buyers
Buying a home is exciting for everybody. But you must be wondering about the process as it can be daunting as well as exciting. We will guide you through it all so that you can make informed decisions.
Refinancing
Your financial position changes over time. And, your loan should evolve with you. We take care of your current lending to see if your interest rate can be improved, monthly repayments can be reduced, and help you access equity for any debt consolidation.
Property Investors
Successful investing requires more than just a low rate; it requires a roadmap. We build portfolio-focused lending structures that maximize your borrowing capacity and support your long-term wealth goals.
Self-Employed Home Loans
Self-employed income is complex, but securing a loan doesn’t have to be. We specialize in helping business owners, contractors, and company directors who don’t fit into standard bank boxes.
SMSF Loans
Residential & commercial inside SMSF
Commercial Finance
Business loans, equipment finance, development lending
Why Choose VaultFin
We Solve the “Too Hard” Deals
While many brokers look for the easy “tick-and-flick” applications, we thrive on complexity. We have a strong reputation for helping clients who have been previously declined, as well as those with non-standard income or credit issues. We see solutions where others see obstacles.
Access to 40+ Lenders
We work with a massive panel of lenders, including major banks, non-banks, and specialist providers. This gives you access to hundreds of loan options, ensuring we find the lender that fits your situation, rather than trying to force you to fit theirs.
We Protect Your Future Borrowing Power
We don’t just look at the loan in front of you; we look at how it affects your next move. Our advice is designed to structure your debt in a way that protects your future borrowing power and keeps doors open for growth.
We Don’t “Set and Forget”
Our relationship doesn’t end at settlement. We conduct loan reviews every 6 to 12 months. This is done to ensure you remain in the strongest possible financial position as the market changes.
Transparent Advice
Clients appreciate that we keep things real. We break everything down in plain language and give honest advice even when it’s not the easiest thing to hear. And, we do this so you always feel informed and in control.
Meet the Team
Mary Khatchadourian
Founder & Senior Broker
Mary leads VaultFin with her rare mix of technical expertise and genuine care. She specializes in challenging scenarios. This includes self-employed borrowers and complex income structures. She is an active investor herself so she brings a forward looking mindset to every strategy she builds.
Jenny Kladis
Mortgage Broker
Jenny is the calm, detail-driven guide every borrower hopes for. Jenny is calm in every conversation. She takes note of all little things, takes time to understand where you are stuck, and guides you with patience.
Chance
Head of Customer Service
Chance is the heart of our office. He is a chihuahua-poodle cross who takes his role very seriously. He specializes in emotional support during loan assessments and believes all humans exist primarily to pat him.
Chilli
Head of Security
Mary leads VaultFin with her rare mix of technical expertise and genuine care. She specializes in challenging scenarios. This includes self-employed borrowers and complex income structures. She is an active investor herself so she brings a forward looking mindset to every strategy she builds.
Helping Financial Company Grow
Need direction with your loans or plans? Are you thinking of buying your dream home, organising your loans, or planning the next big investment? The right tools and expertise can make all the difference.
Let’s create a strategy that actually works for you.
Testimonials
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
“Where to start. Working with Mary and Jenny was an absolute pleasure. They reviewed our options, took time to understand our needs and presented products that had very competitive rates.
The home buying process is stressful but knowing we had VaultFin in our corner made it that bit easier!
The follow ups and check-ins during the house hunt along with the proptrack reports were extras we didn’t expect but appreciated!
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