Vairo Finance · Value in motion
Home loans without the guesswork.
We work out what you can actually borrow, explain what each lender wants and why, and tell you the part the banks would rather leave out. And if you are serving or ex serving, we know how defence pay and the schemes actually get assessed.
- Rating
- 5.0Verified reviews on BrokerPages
- Lenders
- 40+
Now lending
First home, investment, construction & refinance.
New to all this
Most people have no idea what happens between the first phone call and the keys.
That is normal. Nobody gets taught it. Here is the whole thing in four steps, with nothing skipped and no jargon.
We talk
Thirty minutes, phone or video. What you are trying to do, and what your situation actually looks like.
We find your real number
Not a calculator guess. What lenders will actually lend you, worked out against how they assess your income, and where that figure came from.
We apply
We handle the lender, the paperwork and the questions that come back. You hear from us at every stage, not just when something goes wrong.
Settlement
You get the keys, or the new loan starts. We check in afterwards, because a loan that suited you this year may not in three.
Common questions
The questions we get asked most.
Serving or ex serving? Defence pay is assessed differently by every lender, and the schemes have their own rules. We have a page on that.
Borrowing power
See your number before the call.
Two minutes. APRA-style assumptions, fully editable. A transparent estimate of what you could borrow, and at what monthly repayment.
From the journal
The bits nobody explains.
Deposits, borrowing power, refinancing, contracts and defence pay. In plain English, with nothing left out.
Start the conversation