mortgage broker in Melbourne

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About Kandid

Who are we?

kandid is a premium mortgage broking service designed to help Australians find suitable home loans for their scenario. Find Out More here. Contact your local Mortgage Broker in Baulkham Hills (Hills district). Our mobile Home Loan Specialists service Kellyville, Bella Vista, Castle Hill, and the rest of the Hills District Sydney.

we offer expert services

home loan interest rates australia

rate comparison

Buying your first home can be exciting, nerve-racking, stressful, and almost always overwhelming. kandid ensures that each of our customers feels comfortable asking questions and has complete transparency through the loan application process. We will not put you into a loan until you are 100% comfortable. We also assist our customers in getting the correct information for first homeowners, including grants and stamp duty waivers.

Investment Property​

kandid are committed to find suitable loans for your scenario. Investing in property is all about YOUR financial goals and objectives. We specialise in helping investors determine their goals and find suitable loan products, structures and rates to meet those needs. Whether you have a property in mind and you want to jump on it or you are ready to start shopping around, kandid will help organise the finance so that you can seamlessly progress toward your financial dreams.

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Access Your Equity

Are you already a home owner? Have you been paying down your loan for some time or have the property prices moved up in your area? These could be a sign that your existing property has equity. This means that you have an amount of untapped value in your property which could be used to secure your next without the need to save up 20% cash for a deposit. kandid can assist in determining your equity situation and assist providing you with options to purchase your next property with ease.

Owner Occupied

It is one of kandid’s main goals to get everyday Australians into their dream homes! Take advantage of historically low rates on owner occupied properties and start looking for your new ‘castle’. Your personal comfort is our business and we want to ensure all our customer are living in their dream homes without the stress of high, unmanageable loans.

home loan refinance calculator
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Approval In Principle

kandid provide our customers with the ability to shop around for a property with confidence. An approval in principle is like a conditional approval, meaning that the finance provider is willing to provide an applicant with finance on the condition that certain criteria are met. We make sure that our customers have the best chance of approval with the lender and ensure that their loan is then carried seamlessly to settlement once an appropriate property is found.


Frequently Asked Questions

A Mortgage Broker is an intermediary between the borrower and the lender who uses their knowledge and software to source competitive rates and facilitate a smooth process to settlement. The Mortgage Broker acts in the borrower’s best interests at all times and is their mortgage project manager, handling all the steps in the process and reporting back to the borrower at the various stages.

There are a wide range of mortgage products out there and it can be confusing to try and compare them all. A Mortgage Broker will help navigate through the options by explaining the differences between products and help the borrower choose a loan that suits their specific needs. Once a product is chosen, a Mortgage Broker will make sure things happen on time and the borrower is fully informed every step of the way.

We do not charge a fee for our service. We are paid a commission by the lender you choose which is fully disclosed to you at the outset (government and Lender fees and charges apply). Initially, your Mortgage Broker provides you with our Credit Guide, which outlines how we are remunerated generally. When you choose us to arrange your finance, we will provide our Credit Proposal Disclosure document which details the specific sum your lender will pay us after settlement of the loan. Our advice is based on what is best for the borrower and has nothing to do with what we are paid. It is our absolute priority that our clients are happy because we rely purely on their reviews and referrals to sustain our business. That is why we are still going after 20 years and will still be going in another 20!

Mortgage Broker Melbourne starts by asking you to take 10 or 15 mins to complete our responsible lending questionnaire. Our questionnaire will provide your broker with all the information they need to start working on a plan that is aligned with your needs and objectives.

Your broker will then tee up a time to meet to go through the basics with you and show you some reports which will outline the interest rates and monthly repayments for your proposed mortgage.

In that meeting your broker will outline the differences between various types of home loan products like fixed vs variable rates or basic loans vs fully featured package deals. They will also discuss the pros and cons of smaller lenders vs bigger banks.

Your Melbourne broker will also talk to you about lender rules around different types of properties, such as small inner city units or converted warehouses, large acreage, etc. They will also offer free RP Data property reports on any place you are considering, to give you a valuable insight into that property, including recent comparable sales and an estimate of the value today.

They will also explain in full, the process involved, not just in applying for a mortgage but every single step you will take on your journey. Your Melbourne broker will explain how to make offers, what conditions to place on the contract, how long to set a finance clause or a settlement date.

Your broker will give you our Mortgage Broker Melbourne Handbook which details all the processes, step by step.

Our guide includes an explanation of all the different types of loan products, how to save interest, what is involved in lenders’ mortgage insurance, tips at auctions, and buying and selling. It really is a very informative booklet but your broker remains on hand to manage all these processes for you, of course!

After your first appointment with Mortgage Broker Melbourne you’ll feel glad you chose to engage a mortgage broker! We look forward to helping you buy a property or get a better rate!

Mortgage Broker Melbourne doesn’t forget you after your loan has settled. We are paid an ongoing trailing commission by the lender you chose to continue to be there for you to answer any questions and perform modifications to your loan such as fixing or switching products.

Each year your broker will also review your loan to make sure it still suits your needs. We will also compare it with those on offer from other institutions and negotiate with your current lender for you, to see if we can secure a better rate from them for you.

Customers Reviews on GMB

Customers love on Google ⭐⭐⭐⭐⭐

Based on 24 reviews
Ayeisha Singh
Our experience with Kandid was excellent service, very knowledgeable proprietor who delivered in a short time and was through throughout the process. Highly recommended thanks guys!
Pankaj Saini
Narender and his team were fantastic to deal with and walked me and my wife through the whole process of refinancing. The whole process was very smooth, with no dramas and that is all thanks to the team’s diligent work before applying. We did get a good rate and honestly were surprised how easy and straightforward they made it for us. These guys are in a different league compared to our previous mortgage brokers. I knew I was dealing with someone very experienced from day one, their knowledge was second to none, attention to detail was on point and we are so happy with everything they had done for us. Thank you, guys, it’s been a great experience and I highly recommend Kandid loans as a mortgage broker.
renu kang
I have an excellent experience with Narender from Kandid financial services, he has made whole process smooth which could have been stressful . His responsiveness , knowledge and experience kept me stress free during this time . I received best service from him , Thank you Narender . I am looking forward for my investment loan with them
antidote.mani mani
Highly Recommended. Excellent communication throughout the process.
One of the best in the market. Someone who just wants YOU to benefit. Based on my personal experience recently while I was looking to buy our first property, I got in touch with Narender. He spent his valuable time to ensure I understand how I can profit in today’s market. His valuable advice has made me understand what I need and finally I got what I wanted. A google review is the least I could do for him. I strongly recommend him.
Sunita chhabra
Working with Narinder for our loan was a breeze! He is very knowledgeable, easily accessible and willing to go above and beyond. In addition to his professionalism, he is also an incredibly kind and fun person to work with. Can not recommend him highly enough!
Shilpa Dhar
Absolutely amazed by the prompt service provided by the Team Kandid. Knowledgeable and on time advise helped us secure our dream project.Well done guys keep up the good work!!!
ron Sharma
Very helpful and determined, did not let me stress one bit and took it upon himself to get the job done. Also very easy to contact and speak to
Bikramjeet Attly
Very happy dealing with the Kandid team, always helpful and thinking your benefit first and not trying to somehow sell some loan product. We have dealt twice with them and always got quality and quick response with extensive guidance and value in the loan deals. Happily recommend them !
Sumit Adlakha
Narender has been fantastic to deal with, he is highly professional, extremely knowledgeable and he ensured we understood the process and we were comfortable with every steps of the process.He kept us updated throughout the process and found us absolute best deal available on the market at that time. He made the whole experience very easy. Thank you so much Narender! I will highly recommend him to our family and friends. All the best mate:) cheers Sumit

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