National Finance Pty Ltd Australia-Wide
CLEAR ADVICE. BETTER LOANS.

Helping you achieve your property goals.

Let's find the right loan for you.

Access 40+ lenders with personalised mortgage solutions tailored for you.

5.0 from 15+ reviews
National Finance — the right loan for every chapter
Licensed & Trusted CR #514757 · ACL #517192
Access to
40+ lenders
Fast
approvals
Cashback
offers
Trusted
advice
Working with Australia's leading lenders
What we do

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.

Home Loans & First Home Buyers

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.

  • First Home Guarantee & Family Home Guarantee
  • Stamp duty concessions & First Home Owner Grant
  • Low-deposit options from 5%
  • Pre-approval in 48 hours
Talk to us about a home loan

Refinancing

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.

  • Lower your rate or repayments
  • Consolidate debt into your home loan
  • Unlock equity for renovations or investments
  • Cashback offers up to $4,000
Get a free home loan health-check

Investment Property Loans

Building a property portfolio is a long game. We'll help you structure your borrowing so you can keep buying without hitting servicing walls.

  • Interest-only & offset strategies
  • Cross-collateralisation analysis
  • Portfolio servicing across lenders
  • Rentvesting & equity release
Plan your next investment

SMSF Property Loans

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.

  • SMSF limited recourse borrowing arrangements
  • Residential & commercial SMSF lending
  • Trust & bare-trust structuring guidance
  • Coordination with your accountant & advisor
Explore SMSF lending

Car Loans

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.

  • New & used vehicle finance
  • Novated leases & chattel mortgages
  • Same-day approvals for qualifying applicants
  • Better rates than most dealer finance
Get a car loan quote

Personal Loans

Renovating, consolidating debt, planning a wedding, covering an unexpected bill — we'll find a personal loan with terms that actually work for you.

  • Debt consolidation to a single repayment
  • Renovation & home improvement loans
  • Secured & unsecured options
  • Fast turnaround on approvals
Talk about a personal loan
How it works

A clear path from hello to handover.

No jargon, no surprises. Just four straightforward steps — and we'll guide you through every one.

01

The chat

A free, no-pressure conversation. We listen to your goals, your situation, and what matters to you.

02

The strategy

We compare 40+ lenders against your circumstances and bring back a shortlist with our honest recommendation.

03

The application

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.

04

The keys (& beyond)

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.

Ready to compare rates from 40+ lenders?

Have a free consultation with Arut or Uma. Find out what you can borrow, get pre-approval timing, and see real options.

A

Arut Jothi

Senior Mortgage Consultant
0422 293 246
U

Uma Jothi

Senior Mortgage Consultant
0426 583 420
Meet the consultants

Senior expertise. Trusted advice. Tailored solutions.

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.

FBAA MembersFinance Brokers Association of Australia
Licensed & AuthorisedCR #514757 · ACL #517192
Australia-WideServicing clients in every state
Repayment calculator

Get a feel for the numbers.

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.

Heads up: This is an estimate only, based on principal & interest repayments. Actual rates and repayments depend on your lender, loan type, and circumstances. Always read the fine print — or better yet, let us read it for you.
Monthly repayment
$3,894
Total interest
$751,768
Total repaid
$1,401,768
Get a real quote from us
Testimonials

What our clients say.

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 reviews
Google
"
Some 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.
JR
Jey Ramamoorthy
Home loan client
Google
"
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.
MR
Madhav Raj
Home loan client
Google
"
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.
EP
Elanchelian Ponnurangam
Home loan client
Google
"
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.
JD
Jayavijayan Dharmaraj
First home buyer
Google
"
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.
V
Vin
Client
Google
"
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.
KG
Kumar Govindarajan
Home loan client
Google
"
Arut made the entire process smooth and stress-free. Very reliable and genuinely cared about getting the best outcome. Highly recommended!!
SV
Srini Vijay
Client
Google
"
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.
AP
Anbuselvan Pungiah
Home loan client
Google
"
Arut has a wealth of knowledge in the Finance and Mortgage field. He is approachable, friendly and professional in his work!
SS
Somnath Sakthisekaran
Client
Google
"
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.
BG
Bhupathi G
Client
Google
"
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.
MY
Mohammed Yunoos
Home loan client
Common questions

Things people always ask.

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.

Get in touch

Let's have a chat.

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.

Call Arut · Broker
0422 293 246
Call Uma · Broker
0426 583 420
Office · Admin
0451 761 856
Office
42 Victorking Dr
Point Cook VIC 3030
Servicing clients Australia-wide
Hours
Mon–Fri · 9am – 5pm
Saturday by appointment

Book a free consultation

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.

Your message will be sent to our office on WhatsApp (0451 761 856). We respond within one business day.