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.
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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.
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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.
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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.
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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
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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.
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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.
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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.
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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.
The Truth About Bad Credit Loans: Myths and Facts
If you have bad credit, you may feel like getting a loan is impossible. However, there are options available for those with less-than-perfect credit. Before you jump into a bad credit loan, it’s important to understand the risks and benefits, as well as the…
10 Tips to Master Your Home Deposit Savings
Dreaming of Your First Home? 🏡 Here’s How to Conquer the Deposit! Buying your first home is an incredibly exciting milestone. It’s a chance to build a future, create new memories, and finally stop paying off someone else’s mortgage. But we get it—the journey can also…
Rebuild Your Credit and Secure Your Home Loan in South East Melbourne: A Complete Guide For Bad Credit Borrowers
Rebuild Your Credit and Secure Your Home Loan in South East Melbourne: A Complete Guide for Bad Credit Borrowers If you’re dealing with bad credit in South East Melbourne, you’re not alone. Many residents in areas like Cranbourne, Berwick, and Dandenong…
Maximising Your Mortgage Benefits: Festive Season Strategies for Australian Homeowners
This seasons guide to maximising your Mortgage Benefits by Besta Loans The festive season in Australia is not just about barbies, beach days, and Boxing Day sales; it’s also a fantastic opportunity for homeowners to get savvy with their mortgages. As we deck the halls…