The banks have their rules.We have the strategy to work around them.
Most people find mortgage talk exhausting because it’s filled with jargon and “no.” We do things differently at VaultFin. We’re a boutique Melbourne brokerage that puts your goals ahead of bank processes. If there’s a way to get your deal across the line, especially the complex ones, we’ll find it. We’re here to give you the clarity you’ve been missing and the strategy you need to stay ahead of the market for the long haul.
All Services Overview
We work with a panel of over 40 lenders and that’s not just a vanity number. It means if one bank says your situation is too “outside the box,” we simply move to one that values your business.
Home Loans & Refinancing
Buying a home is a massive deal, and it’s usually pretty stressful. We take the heavy lifting off your plate. If you’re trying to crack into the market for the first time or you’ve been paying a mortgage for years and feel like your bank is taking you for a ride, we can help. We look at the fine print, the schemes, and the offsets to make sure your loan actually works for your lifestyle.
- What we focus on: Getting first-timers into their homes sooner, slashing interest
Self-Employed & Complex Lending
Running a business is hard enough without a bank manager telling you they don’t understand your tax returns. Mary and the team actually speak “business owner.” We know how to read your P&L, we understand company structures, and we know which lenders are friendly to contractors and freelancers. We use full-doc and alt-doc options to make sure your hard work is reflected fairly in your borrowing power.
What we focus on: Helping directors and sole traders get approved without the usual bank headaches.
Property Investment & Portfolios
A single investment property is a start, but a portfolio requires a serious plan. You can’t just “set and forget” these loans. We look at how to protect your borrowing capacity so you don’t get stuck after property number one. We focus on interest-only periods, smart debt recycling, and making sure your structure is tax-efficient and scalable.
What we focus on: Scalable structures, interest-only strategies, and protecting your future borrowing power.
SMSF & Commercial Finance
Buying property through your super is a specialized field. There’s a lot of red tape, and the stakes are high. We help you navigate SMSF lending for both residential and commercial assets. On the business side, we handle everything from warehouse purchases to working capital. We make the complex stuff feel straightforward.
- What we focus on: Compliant SMSF lending and commercial growth strategies.
Asset Finance & Personal Loans
Sometimes you just need a new ute for the job site or a car that fits the whole family. We’ve partnered with LendConnect to make this part fast. It’s a digital-first process that gets you an answer quickly without messing up your home loan application.
- What we focus on: Fast approvals for cars, equipment, and personal needs.
Credit Repair & Restoration
We’ve seen plenty of good people get held back by a single mistake or a bank error on their credit file. It shouldn’t stop you from owning a home. We work with Credit Fix Solutions to help clean up defaults and fix scores. If you’ve been told “no” because of your credit, let’s talk about how to get you to a “yes.”
- What we focus on: Ethically fixing credit files and removing unfair defaults.
Why Choose Us
We aren’t a massive corporate factory. We’re a boutique team, and that’s a massive advantage for you. At VaultFin, you aren’t just a file number being passed around, you’re working with experts who actually care about the outcome.
We take the “Too Hard” deals personally
Mary Khatchadourian started VaultFin because she saw too many people getting rejected by banks for the wrong reasons. We specialize in the cases other brokers run away from. If you’ve been declined before, or if your income is a mix of dividends, trust distributions, and salary, we’re the team you want in your corner. We don’t give up easily.
The Muscle of Finsure
Even though we’re a boutique firm, we have the backing of Finsure. They are one of the biggest support networks in the country. This gives us “big bank” resources like better tech, faster access to credit managers, and a massive lender panel while keeping our service personal and local. It’s the best of both worlds.
Open Banking with Frollo
Nobody likes spending their Sunday night downloading six months of bank statements. We use Frollo, which is high-level Open Banking tech. It’s safe, secure, and lets you share your data with us in about thirty seconds. It makes our applications cleaner and gets you an answer from the bank much faster.
We check in on you
A lot of brokers “set and forget.” They settle your loan, take the commission, and you never hear from them again. We hate that. We conduct proactive reviews every 6 to 12 months. If the RBA changes rates or your bank starts getting greedy, we’ll be the ones calling you to negotiate a better deal. We’re in this for the long haul.
Straight Talk
We don’t sugarcoat things. If a deal isn’t going to work right now, we’ll tell you exactly why. Then, we’ll give you a plan to fix it so it does work in six months. We’d rather give you the truth and a plan than a “maybe” and a headache.
Stop guessing what the bank will say.
Your finances are too important to leave to chance or a basic online calculator. You need a broker who knows the loopholes, understands the policy shifts, and actually cares about your future.
If you’re ready to buy tomorrow or just want to know where you stand, let’s have a real conversation.