FinanceMax Get a quote
Who you'll deal with

Two brokers. No call centre.

You get one of us from the first call to settlement — not a case number and a new voice every week.

Ratish Anand
Mortgage Broker
CRN 564345

Handles the residential side — first home buyers, upgraders, investors, and the refinances that quietly save people thousands a year.

0425 452 069 Email Ratish
Jag Paruchuri
Mortgage Broker
CRN 564346

Handles asset and commercial finance — cars, trucks, plant and equipment, and business lending, including low-doc for the self-employed.

0430 088 133 Email Jag
Get started

Name and phone. That's all we need to call you back.

No long form, no document upload, no obligation. We'll work out the rest on the phone.

  • We're paid by the lender, not by you
  • A quote doesn't touch your credit file
  • You'll hear back inside one business day

Request a call back

Mon–Fri, 9am–7pm.

We'll only use this to contact you about your enquiry.

What we finance

Four things, done properly.

Between us we cover the residential side and the commercial side. You'll deal with whichever of us knows your situation.

Home loans

First home, next home, investment. We'll tell you what you can borrow before you fall in love with a listing.

Check my borrowing power →

Refinancing

If you haven't reviewed your rate in two years, you're probably paying the loyalty tax. Takes us an hour to find out.

Compare my rate →

Car & equipment finance

Cars, trucks, plant, fit-out. Fast approvals, and low-doc options if you're self-employed.

Finance an asset →

Commercial & SMSF

Commercial property, construction, and lending inside your self-managed super fund.

Talk it through →
How it works

Here are the steps.

No mystery, no waiting by the phone wondering what's happening. This is the whole thing, start to finish — and who does each part.

Enquiry and first call

You

Fifteen minutes on the phone. What you earn, what you owe, what you're trying to buy. No forms yet.

Privacy consent and Fact Find

You

You sign the privacy form and we collect payslips, statements and ID. This is the one part that takes real effort from you — the rest is on us.

We shop the lender panel

We do

Forty-plus lenders. We take your file to the ones most likely to say yes at the sharpest rate, and we know which ones don't suit your situation before we waste your time on them.

Your options, side by side

We do

A written comparison of the shortlist — rate, fees, features, total cost over the life of the loan. We recommend one, and we tell you why.

You pick the loan

You

Your call, not ours. If none of them feel right, we go back to the panel.

Conditional approval

We do

Also called pre-approval. The lender agrees in principle, subject to a property and a valuation. Now you can make an offer knowing where you stand.

Valuation and unconditional approval

We do

You find the property, the lender values it, and the approval becomes formal. We chase every condition until every one of them clears.

Loan documents

We do

Documents are issued, we walk you through them so you know exactly what you're signing, and you send them back.

Settlement

We do

Funds move and the property is yours. We stay on the line with the lender and the conveyancer until it lands.

Enquiry and first call

You

Tell us the vehicle or the equipment, and roughly what you earn. Ten minutes is usually enough.

Privacy consent and Fact Find

You

Privacy form, ID, and income. Low-doc options exist if you're self-employed and the paperwork isn't straightforward.

We shop the lender panel

We do

Asset finance moves fast. We take it to the lenders that price your profile and your asset type best — they're not the same for a new ute as they are for a used prime mover.

Your options, side by side

We do

Rate, term, balloon, fees, total cost. We recommend one and we tell you why.

You approve the option

You

You give the go-ahead before we lodge anything. Nothing touches your credit file until you say so.

Application lodged and approved

We do

We lodge with your chosen lender and manage every condition they come back with.

Invoice, payout, keys

We do

The lender pays the dealer or the seller directly. You drive it away.

Start at step one.

A fifteen-minute call, and you'll know where you stand. No cost, no obligation.

Request a call back
Calculators

Run your own numbers.

Four calculators, built by us, for Australian loans. No sign-up, nothing stored. When you want the real figures, one of us will take the call.

Loan repayments

What a loan costs you each month, fortnight or week — and what it costs over its whole life.

$50k$2.5m
3.00%12.00%
1 yr30 yrs

Fortnightly and weekly repayments chip away at the balance faster, so you pay less interest overall.

Borrowing power

Roughly what a lender might let you borrow, based on what you earn, what you spend, and what you already owe.

Gross, per year.

06

Per month, excluding rent and loan repayments. If you enter less than the benchmark for your household, the lender uses the benchmark — so we do too.

Car, personal, HECS — monthly.

Total limit, not balance.

We assess you at this rate plus a 3% buffer, which is what APRA requires lenders to do.

What this calculator assumes

Every lender scores you differently. This is a reasonable middle-of-the-road model, not any one lender's policy.

  • Income taxed at 2025–26 resident rates plus the 2% Medicare levy
  • Serviceability assessed at your rate + 3.00%, per APRA guidance
  • Living expenses floored at a household benchmark, so an unrealistically low figure won't inflate the result
  • Credit card limits assessed at 3.8% of the limit per month
  • 30-year principal & interest term
  • No rental income, no negative gearing, no lender-specific policy

The real number depends on which lender we take you to. That's the whole job.

Extra repayments

Paying a bit more each month is the cheapest thing you can do to a mortgage. Here's exactly what it buys you.

$0$3,000

Every dollar comes straight off the principal, so it stops earning the bank interest for the rest of the loan.

Refinance savings

Switching costs money. This works out whether the new rate beats the cost of getting there — and how long that takes.

Keep the same remaining term to see the true saving. Stretching back out to 30 years lowers the repayment but costs you more overall.

Discharge fee, new application and settlement fees, registration. Many lenders offer cashback that offsets this — we'll tell you who's paying what.

Vehicle & equipment loan

Cars, utes, trucks, plant. Includes a balloon — the lump sum you defer to the end to bring the monthly payment down.

$5k$400k

Cash down, or what the dealer allows you for the old one.

Asset finance sits above home loan rates. Your rate turns on the asset, its age, and whether you're PAYG or self-employed.

1 yr7 yrs
0% — no balloon50%

A percentage of the amount financed, deferred to the end of the term. It cuts the monthly payment — but you still owe it, and you pay interest on it the whole way.

What a balloon actually costs you

A balloon isn't free money. It's a slice of the loan you've chosen not to pay down, so it keeps earning the lender interest for the full term — and it's still sitting there on the last day.

  • Lower monthly payment — the real and only benefit. Handy for cash flow, and common on business vehicles.
  • More total interest — you're carrying a bigger balance for longer.
  • A lump sum at the end — pay it out, refinance it, or sell the vehicle to cover it.
  • Residual risk — if the vehicle is worth less than the balloon when you get there, you're upside down. Longer terms and bigger balloons make that likelier.

Lenders cap balloons by term and asset age. We'll tell you what's actually available on your deal.

About us

A two-broker shop in Clyde North.

No call centre, no case numbers, no being handed to whoever's free. You get one of us, start to finish.

Why we exist

Your bank sells you the one loan it has.

FinanceMax is Ratish Anand and Jag Paruchuri. Between us we've spent years on both sides of a loan file — residential and commercial — and we started this because most people get handed to whoever answers the phone, and never speak to that person again.

That isn't how this works. You get one of us from the first call to settlement. We're credit representatives of Outsource Financial, which puts a panel of more than forty lenders in front of us — so we're not selling you one bank's product, we're finding the one that actually fits your situation. The lender pays us, so there's no cost to you either way.

We're based in Clyde North and work across Victoria — first home buyers in Casey, families refinancing out of a rate they stopped noticing years ago, and self-employed operators financing trucks, plant and equipment.

We're not trying to be the biggest brokerage in Melbourne. We'd rather be the two people you'd recommend to your brother-in-law.

The brokers

Two people. Both of them named.

Ratish Anand
Mortgage Broker
CRN 564345

Handles the residential side — first home buyers, upgraders, investors, construction, SMSF lending, and the refinances that quietly save people thousands a year without them having to think about it again.

0425 452 069 Email Ratish
Jag Paruchuri
Mortgage Broker
CRN 564346

Handles asset and commercial finance — cars, trucks, plant and equipment, and business lending. Knows which lenders will look at a self-employed file properly instead of sending it to the too-hard basket.

0430 088 133 Email Jag
Licensing Credit Representatives of Outsource Financial Pty Ltd
ACL 384324
Lender panel 40+ lenders — majors, second tier, non-bank and specialist
Where we work Based in Clyde North, Victoria. We work across the state.

Talk to one of us.

Fifteen minutes, no cost, no obligation. You'll know where you stand by the end of the call.

Request a call back