Cranbourne’s Trusted Mortgage Partner
Helping First-Home Buyers, Non-Residents, and Bad Credit Borrowers across Melbourne Finance Their Future.
Owner Occupied | P&I | <80% LVR
*Rates are indicative only and subject to change. Actual rates offered will depend on lender criteria and individual circumstances. Loan approval is subject to lender criteria and individual circumstances. Terms and conditions apply.
Bad Credit Home Loans
Your past doesn’t define your future. We specialise in helping clients with credit challenges explore fair and transparent loan solutions.
LEARN MORE >
First-Home Buyer Assistance
Buying your first home? We’ll guide you through every step — from government grants to low-deposit options — so you feel confident about your future.
LEARN MORE >
Non-Resident Home Loans
Navigating Australia’s lending system as a non-resident can be overwhelming. We’ll help you understand requirements and find tailored solutions.
LEARN MORE >
The Besta Loans Difference
We help Australians navigate the mortgage process with personalised support and a commitment to making homeownership accessible to all.
Transparent Guidance
Clear, jargon-free advice so you always know where you stand.
Personalised Support
Tailored solutions for your unique goals and circumstances.
Local Expertise
Proudly serving Cranbourne West and Melbourne’s South East suburbs.
Empowerment First
Helping you take control of your finances with clarity and confidence.
HOW CAN Besta Loans HELP?
Let me take some of your stress and worry away. I’m here to support you whenever you need—whether it’s after hours, on weekends, or around tight schedules. At Besta Loans, we prioritize client satisfaction above all, and we’re committed to finding the best financial solution based on your unique needs.
Meet Vikki: Your Local Mortgage Broker
With years of mortgage broking experience, Vikki has helped families, couples, and individuals across Cranbourne West and Melbourne’s South East secure their dream homes. Her approach is built on transparency, personalisation, and a commitment to finding solutions — no matter how complex the circumstances.
Our Services
What We Offer
Speak to us today to see how we can help you to Finance Your Way.
Purchase’s & Refinance’s
Comprehensive mortgage options for purchasing a new home or refinancing your current mortgage.
LEARN MORE >
Speciality Services
Choose a consultation that works for you.
We pride ourselves on being well versed in First-Home Buyer Assistance, Bad Credit Loans & Non-Resident Home Loans. Speak to us to find out more
LEARN MORE >
Personal Loan’s & Debt Consolidation
Tailored solutions just for you.
Flexible personal loan options to meet your individual financial needs. Simplify your finances by consolidating multiple debts into a single manageable payment.
LEARN MORE >
Car Loan’s & Asset Finance
In need of car financing or asset loans? Let Besta Loans guide you through the process. Contact us today for personalised assistance.
LEARN MORE >
Loan Reviews & Health Checks
Is your current loan still working for you? Get a free, no-obligation review to ensure you’re on a competitive rate and not paying more than you should be.
LEARN MORE >
At Besta Loans we believe
Your PAST does not define your FUTURE!
Whether you are looking to buy now, or simply wanting some advice to see what you need to do to be in the position to be able to buy one soon – Besta Loans is here to help you!
Next Steps
READY TO GET STARTED?
We’re Here to Guide You Every Step of the Way
Step 1: Take Our 2-Minute Quiz
A quick and easy way to get started!
Only two minutes of your time is needed to complete a few simple questions. This gives us the details we need to take the next step with you.
Step 2: Schedule Your Initial Consultation
Choose a consultation that works for you.
Select your preference: Face-to-face, Phone, or Video. During this session, your finance broker will discuss your journey, goals, and the ways we can best support you.
Step 3: Broker’s Analysis and Program Setup
Tailored solutions just for you.
Your broker will assess your details and design a program that aligns with your unique financial goals, setting you on the right path to success.
Step 4: Begin Your Journey to Homeownership
Your path, your goals, our support.
With a clear roadmap in place, Besta Loans will support you throughout the process, ensuring that each step aligns with your homeownership dreams.
Client Testimonials
Ruchika Arora
★★★★★
“Vikki is knowledgeable, calm, proactive, precise, and clear with her communication of different loan options. Highly responsive to enquiries. I would highly recommend her for any mortgage related needs.”
Juergen Dewitz
★★★★★
“If you are looking for a mortgage broker give Vikki a go from Besta Loans. Vikki is very dedicated in her work and she goes that extra mile for you. Highly recommended.”
Zed Bolton
★★★★★
“Looks easy enough. I say give it a shot.”
Karlea Romanov
★★★★★
“I would 100% recommend Vikki to anyone needing a broker….We are in a better position than I thought possible for this time, which is all thanks to Besta Loans.”
Juanita Rose Ward-Morgan
★★★★★
“It’s my first time but I hear it’s good so I’m gonna give it a go.”
Nancy Haci
★★★★★
“Cannot thank Vikki enough. She has helped get our finances back on track and was super helpful throughout the whole process and kept up communications. Cannot recommend her more. Will definitely be using her in the future again!”
Manny Deora
★★★★★
“Best and prompt service.”
Frequently Asked Questions
What types of loans do you specialise in?
At Besta Loans, we specialize in loans for first-time home buyers, borrowers with bad credit, and non-residents looking to purchase Australian property. We also offer refinancing, personal loans, and car loans tailored to meet your unique needs.
Can you help me get a home loan if I have bad credit?
Yes! We understand that credit history doesn’t define your future. Our team can guide you through specialized bad credit loan options designed to help you secure financing even with past challenges.
Can non-residents apply for a home loan?
Absolutely. We offer non-resident home loans for individuals on visas in Australia or overseas investors looking to buy property in Australia. Our team will help you understand the eligibility requirements and find the best options.”
What does refinancing involve, and how can it help me?
Refinancing allows you to replace your current loan with a new one, often with better rates or terms. This can help you save money, reduce monthly payments, or access equity in your home. We’ll guide you through the process to weigh up whether it’s the right choice for you.”
What documents are needed for a loan application?
Typically, you’ll need identification, proof of income, bank statements, and details of any existing loans. Our team will provide a full checklist to make the process easier.
What are the benefits of working with a mortgage broker instead of going directly to a bank?
As mortgage brokers, we have access to a wide range of lenders and loan products, which means more options tailored specifically to your needs. Unlike banks, which only offer their own products, we work for you, not the lender, to find the best terms and rates for your unique financial situation. Additionally, mortgage brokers are legally bound by what’s known as the Best Interest Duty. This means that any recommendation we make must truly be in your best interest, not influenced by lender incentives or commissions.
What is debt consolidation, and how can it help me?
Debt consolidation combines multiple debts into one manageable loan, often with lower interest rates. This approach can simplify your finances and potentially lower your monthly payments. Our team will help you determine if debt consolidation is a good fit for your goals.
Mortgage Matters Blog & Resources
We believe in empowering our clients with knowledge. Explore our blog, guides, calculators, and budget planner to make informed decisions every step of the way.
Understanding Lenders Mortgage Insurance (LMI) for First Home Buyers
Introduction Welcome to the Besta Loans blog! As a trusted mortgage brokerage in Cranbourne West, we specialise in helping first home buyers achieve their dream of homeownership. In this article, we will delve into the important topic of Lenders Mortgage Insurance…
The Top Mistakes to Avoid When Searching for a Mortgage
Finding the right mortgage can be a daunting task, especially if you’re a first-time homebuyer. With so many options available, it’s easy to make mistakes that could cost you thousands of dollars in the long run. To help you avoid these pitfalls, we’ve put together a…
Navigating Today’s Real Estate Market: Pros and Cons of Working with a Local Mortgage Broker
The decision to buy or sell in today’s market can be a difficult one, especially with the uncertainty caused by the COVID-19 pandemic. While there are advantages and disadvantages to both options, it ultimately comes down to your individual circumstances and goals. In…
Navigating the Home Loan Process as a Non-Resident
If you’re a non-resident looking to buy a home, you may face some obstacles when it comes to securing a home loan. However, with the right knowledge and guidance, it is possible to navigate the process and obtain a mortgage. In this guide, we’ll explore the steps you…
Non-Resident Home Loans in South East Melbourne: Your Complete Guide to Australian Property Investment
Securing a home loan as a non-resident in Australia can feel overwhelming, especially when navigating visa requirements, foreign income verification, and complex lending criteria. If you’re a skilled professional working in South East Melbourne areas like…
A Guide to Home Loans: Why Your Broker Asks So Many Questions?
Ever wondered how can a mortgage broker help me and why mortgage brokers have to ask you so many questions ? Read this guide to home loans to find out more It’s to ensure that fraudulent applications don’t slip through the cracks and that your loan! When you apply for…
Why Paying Off Credit Cards Isn’t Enough : Learn more
Applying for a Home Loan and think all you need to do is pay off your credit card? …there’s more to it than that When most people are thinking of getting a home loan one of the first things they try to do is reduce their current debt, and this is a good thing….
When was your last home loan health check?
Circumstances can change, leaving your home loan less suitable than it was originally. A home loan health check can reveal if you’re paying too much. What’s involved? If you’re a homeowner, it’s important to regularly assess whether your current mortgage is still the…
What is Lenders Mortgage Insurance?
To put it bluntly Lenders Mortgage Insurance (LMI) is an insurance put in place to protect the BANK !!! Many people mistakingly believe that because they paid LMI that they are the ones who get protection if they aren’t able to make their mortgage repayments (similar…
What comes first: the property or the loan?
It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan. Looking for a property to purchase is an…