Let's find the right loan for you.
Access 40+ lenders with personalised mortgage solutions tailored for you.
From the home you've always wanted to the car you need tomorrow — we cover the full range of personal and property finance, and we manage every step from application to settlement.
Buying your first place is a big deal. We'll walk you through it step-by-step and help you make the most of every grant and scheme available.
If you haven't reviewed your loan in two years, you're probably paying too much. We'll do a free health-check and show you what the market's offering.
Building a property portfolio is a long game. We'll help you structure your borrowing so you can keep buying without hitting servicing walls.
Using your super to invest in property is a specialist game. We know the few lenders who still do it well — and we'll set you up properly from day one.
New car, used car, dealer or private sale — we'll find finance that beats the dealer's offer and gets the keys in your hand faster.
Renovating, consolidating debt, planning a wedding, covering an unexpected bill — we'll find a personal loan with terms that actually work for you.
No jargon, no surprises. Just four straightforward steps — and we'll guide you through every one.
A free, no-pressure conversation. We listen to your goals, your situation, and what matters to you.
We compare 40+ lenders against your circumstances and bring back a shortlist with our honest recommendation.
We handle every form, every signature, every follow-up with the lender. You'll know exactly where things stand at every stage. Most clients are pre-approved within 48 hours.
We're there at settlement, and we don't disappear after. We follow up the paperwork, check rates against the market each year, and stay in your corner long-term.
At National Finance, you're never just a file. Arut and Uma personally guide every client through their home loan — comparing 40+ lenders to find the right fit, handling all the paperwork, and staying with you long after settlement.
Melbourne-based, looking after families across Australia. Wherever you are, we're a phone call away.
Move the sliders to see what your repayments could look like. When you're ready for a real plan tailored to your situation, we'll dig into the details together.
Every review below is a verified, public Google review left by an actual client. We're grateful for every single one.
5.0 on Google · 15 reviewsSome people come into your life just to do their job. But every now and then, you meet someone who genuinely stands by you like family, and that was Arut for us. He was supportive, honest, patient, and always there whenever we needed guidance. Buying a home can be emotional and stressful at times, but Arut made the entire process feel smooth and reassuring. More than a finance advisor, he felt like a brother to us during this journey. We're truly grateful for his dedication, care, and hard work in helping us secure our dream home.
Uma and Arut are absolutely incredible. They have been our brokers for years and continue to go above and beyond every single time. What felt stressful and impossible for us became smooth and manageable because they took charge of everything so quickly and efficiently. What truly stands out is their personal touch. They genuinely care, always make time for you and support you through every step of the process. Their professionalism, knowledge and dedication are unmatched.
I had a great experience working with Arut Jothi throughout the entire home buying process. He was professional, knowledgeable, and always willing to help with any questions I had. He guided me in finding the right house and made the whole process smooth and stress-free. His communication and support were excellent from start to finish.
I had a very positive experience working with Arutjothi for my home loan. He handled everything with great professionalism and took the time to personally guide me through each stage, making sure I understood all the details. His genuine care, patience, and regular follow ups made the entire process feel easy and well managed. I always felt supported and in good hands.
Focused, easy to deal with Arut and got my first property home loan at ease. Also helped me above and beyond in all subject matter related to my residential property from loan to settlement.
I wanted to give a huge shout-out to Arut from the National Finance team for the incredible support lately. He honestly made a stressful process feel like a breeze, and his quick turnarounds saved me a ton of time. It's rare to work with someone so efficient who also takes the time to be genuinely helpful.
I had a fantastic experience working with Arut and his team. They were knowledgeable, responsive, and genuinely committed to finding the best option for my needs. The entire process was smooth and stress-free, with clear communication at every step. I really appreciated their attention to detail and willingness to go the extra mile.
Arut made the entire process smooth and stress-free. Very reliable and genuinely cared about getting the best outcome. Highly recommended!!
Arut provided excellent service from start to finish. He made a big difference in our home buying journey. He helped us get a better interest rate than we expected. I would highly recommend them to anyone looking for reliable home loan advice.
We had an excellent experience working with our mortgage broker Arut throughout both our PPOR and investment property journey. From the very beginning, he was incredibly supportive, knowledgeable, and always available to answer even the smallest mortgage-related queries. What really stood out was his calm and patient approach — no matter how stressful things got, he always guided us with confidence and clarity. A genuinely nice person to deal with and someone we continue to rely on for all our mortgage and finance questions.
Arut has a wealth of knowledge in the Finance and Mortgage field. He is approachable, friendly and professional in his work!
Arut is an exceptional mortgage advisor. Clear guidance, quick responses and a client first approach. He made a complex process feel simple. Highly recommend his services.
Arut was incredibly helpful in guiding us to the right mortgage for our home loan. The entire process was smooth, seamless, and completed in a timely manner. He handled all the formalities professionally and made everything stress free. We truly appreciated his knowledge, support, and clear communication throughout the journey. We will definitely come back to him for all our future mortgage needs.
If you don't see your question here, send us a message — we love a curly one.
No. We're paid a commission by the lender once your loan settles. You pay nothing for our service — and we're required by law to act in your best interests, not the lender's.
Most clients get pre-approval within 48–72 hours of our first chat, assuming we have your documents ready. From there, unconditional approval typically takes 1–3 weeks, and settlement another 30–60 days depending on whether you're buying or refinancing.
Generally: two recent payslips, three months of bank statements, a copy of your ID, and details of any existing debts or assets. If you're self-employed, we'll need two years of tax returns. Don't stress — we'll send you a clear checklist.
The standard is 20%, but there are plenty of options below that. First home buyers can often get in with just 5% (sometimes less) thanks to the First Home Guarantee scheme, which waives Lenders Mortgage Insurance. We'll walk you through what's realistic for you.
Absolutely — this is where a broker earns their keep. Different lenders treat self-employed, contractor, and bonus income very differently. We know which ones will look at your full picture, not just last year's tax return.
Our initial review is a soft check that doesn't impact your credit. We only do a formal application — and the associated credit check — once you've agreed on a lender and you're ready to proceed.
Our service is completely free — we're paid by the lender, not by you. Tell us where you're at, and we'll show you what's possible.
Tell us a bit about you. When you submit, WhatsApp will open with your message ready to send to our office — just hit send and we'll be in touch within one business day.