Pankaj comes from banking back ground with more than 10 years of experience in lending. Having worked in CBA and Westpac as Lending Manager he has acquired a sound understanding of lending and loan products.

From getting pre-approval to settling in to your new house Pankaj makes sure that there is a smooth transition. Keeping his professional approach, he shares his experience and gives the right guidance.

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About Pankaj Dheer

Most first home buyers need guidance and support to secure their first property which they call it ‘HOME’. It can be an over whelming feeling when you are looking to buy establish home or thinking of house and land package. I can guide you in  understanding the process and be with you in this exciting journey.

My service will be to help you to choose the right product by providing you with all the available options. If required I can also assist you in applying for First Home Owners Grant.

During this exciting time when you have desire and capacity to move a step ahead in buying your investment property. I make sure that you can leverage of the available equity in your existing property and maximise your potentials.

I can provide you with detailed property reports which can help you to make informed decisions. There are other costs factors that you may need to consider before making this move for eg – Stamp duty, Council rates, Investment Home Loan interest rates. I make sure that you understand all this beforehand as this will be a time well spent.

Debt consolidation is when you bring all your existing debts together into one new debt. This will help you to manage your repayments This can be done by applying a personal loan or putting it against your house at the lower interest rate. I will go through the different repayment option to manage your cash flow.

Unaware of the changing interest rates, most of us get caught up with higher interest rates. Banks do not have resource to reach out to you to advise you about your high rates   I can assist you in negotiating your interest rates with the current lender. Having access to over 30 lenders I can find best loan to suit your needs. I can compare interest rates , mortgage repayments , fees and much more

It can be hard getting a loan if you are self-employed. My job as broker is to find a lender that can consider you in your current situation. I work closely with your accountant to structure the loan and extract the maximum income from your tax returns to maximise your borrowing capacity.

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Call me for a free home loan health check.

I will compare your current loan to hundreds of other finance options to see if a different mortgages maybe more suitable potentially saving you thousands of dollars and lowering your monthly repayments.

Been located in the Mulgrave and predominantly service clients in Clayton, Malvern and Mount Waverley.

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