Guiding Sydney Borrowers to Better Loans
Smarter Lending Solutions Designed for Your Financial Future.
Our Process
We help with a wide range of home loan situations across Sydney.
Why Choose Lendwise
I’m Rajeev Vij, the broker behind Lendwise. Here’s what you get when you work with me.
Frequently Asked Questions
What services does Lendwise offer?
Lendwise arranges six types of finance: Home Loans, Commercial Loans, Business Loans, Personal Loans, Equipment Finance and Car Loans. Lendwise services clients across greater Sydney. As your broker, Lendwise has a Best Interests Duty. This means your needs come first when comparing options. You deal directly with Raj from your first call through to settlement.
Why use a mortgage and finance broker instead of going directly to a bank?
A bank can only offer its own loan products. A broker compares options across a panel of lenders. This helps match you with one that suits your situation. Lendwise also has a Best Interests Duty. Any advice has to work in your interest, not the lender's.
What makes Lendwise different from other mortgage brokers?
Lendwise is built around one-on-one service. You work with the same broker for every step, not different staff each time. Lendwise also follows a Best Interests Duty. This means advice is based on what suits you, not on what pays the highest commission.
Which suburbs does Lendwise service?
Lendwise is based in Melonba, NSW, and services greater Sydney as a whole. This includes Parramatta, Penrith, Marsden Park and the suburbs around them, not just one pocket of the city. Lendwise works with clients across this wider area. If you're unsure whether your suburb is covered, get in touch and we'll confirm it for you.
How does the loan application process work with Lendwise?
It starts with a free consultation to talk through your goals, income and finances. From there, Lendwise compares suitable loan options across a panel of lenders and explains the differences between them. Lendwise then helps prepare your application and stays in touch with you at every stage, right through to settlement.
Is there a cost to using Lendwise?
For most home loans, Lendwise is paid a commission by the lender once the loan settles, at no direct cost to you. Fees can differ for other loan types, such as commercial or business finance. Lendwise explains any costs upfront, before you commit to anything.
Can Lendwise compare loan options from different lenders?
Yes. Lendwise is a mortgage and finance broker. This means access to a panel of lenders, not just one bank's products. Lendwise compares loan options across that panel based on your income, goals and circumstances. Lendwise then explains the differences in rates, fees and features, so you can make an informed choice.
Can I still get finance if a lender has said no?
Potentially, yes. One lender saying no doesn't mean you can't get finance elsewhere. Every lender has its own rules and assessment criteria. Lendwise can look at your situation and work out why the application was declined. Lendwise can then check whether other lenders on the panel might be a better fit.
How can I improve my chances of loan approval?
Lenders generally look at your credit history, income, debts and deposit size. A clean credit report and lower debts can help. Having your documents ready helps too. Lendwise can review your situation early and flag anything that might affect your application before you apply.
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