Your circumstances come first
We consider your income, commitments, priorities and future plans before discussing lending options.
English · Hindi · Nepali · Bengali
0413 364 684About Genuine Financial Services
Melbourne mortgage brokers.
Personal support, Australia wide.
Behind every loan is a person, a family or a business with plans for the future. We take the time to understand yours, explain your options and help you move forward with confidence.
14+
Years of finance industry experience brought to your lending journey.
English · Hindi · Nepali · BengaliOur story and purpose
Finance feels different
when someone understands you.
Genuine Financial Services, also known as GFS Home Loans, is built around a personal approach to mortgage broking. Based in Melbourne and supporting clients across Australia, we help people navigate home and business lending with clearer information and practical guidance.
Our role starts with listening. We want to understand what you are working towards, what matters to you and how a loan would fit into your financial circumstances. From there, we help you explore suitable options and understand the commitments involved.
Whether you are buying your first home, refinancing, investing or planning a business purchase, our focus is on helping you make an informed decision.
Clear explanations, without the jargon
We explain repayments, fees, features and lender requirements so you can ask questions and understand your choices.
A relationship beyond the application
We remain available for questions and future loan reviews as your needs and circumstances change.
Meet your principal mortgage broker
Gopal Pokharel.
Experience with a personal approach.
Gopal Pokharel is the Founder and Principal Mortgage Broker at Genuine Financial Services. With 14+ years of experience in the finance industry, he brings practical industry knowledge and a commitment to helping clients understand their borrowing options.
Gopal works with individuals, families, property investors and business owners. His approach combines a detailed understanding of each client’s circumstances with clear explanations of loan structures, costs and lender requirements.
As a multilingual mortgage broker in Melbourne, Gopal supports conversations in English, Hindi, Nepali and Bengali. He welcomes clients from all backgrounds and aims to make the lending process more approachable, particularly when Australian finance terminology feels unfamiliar.
- English
- Hindi
- Nepali
- Bengali
How we help
Lending support for
your next stage in life.
We help you compare lending options from our panel and understand how rates, fees and features may affect your repayments and longer-term plans.
First Home Buyer Loans
Understand your borrowing position, deposit requirements and the steps involved in financing your first home.
First home buyer supportRefinancing
Review whether your existing loan still meets your needs, including the costs and potential benefits of switching.
Explore refinancingInvestment Property Loans
Explore investment lending options, equity requirements and loan structures suited to your borrowing circumstances.
Investment loan optionsNext Home Buyer Loans
Plan an upgrade, downsize or relocation with guidance on your existing mortgage, available equity and next purchase.
Plan your next home loanConstruction Loans
Understand construction finance, progress payments and the information lenders may need for your building project.
Construction finance supportBusiness Loans
Discuss finance for business needs with consideration of your cash flow, funding purpose and capacity to repay.
Explore business lendingOur community contribution
Building understanding.
Supporting financial confidence.
Our contribution starts with everyday conversations: helping people ask questions, understand their commitments and take a more informed approach to borrowing. We believe accessible communication and respectful service have an important place in a diverse community.
Making language less of a barrier
Support in English, Hindi, Nepali and Bengali gives clients the opportunity to discuss important decisions in a language they feel comfortable using.
Making lending easier to understand
We explain loan features, costs and application steps in practical terms, helping clients participate confidently in conversations about their finances.
Supporting goals at different life stages
From first home enquiries to changing family needs and business plans, our focus is on personal guidance and relationships that can grow over time.
Where we operate
Based in Melbourne.
Supporting clients across Australia.
Genuine Financial Services supports home buyers, borrowers and business owners across all six Australian states and both mainland territories. Wherever you are in your journey, start by speaking with our Melbourne team.
- VIC Victoria
- NSW New South Wales
- QLD Queensland
- WA Western Australia
- SA South Australia
- TAS Tasmania
- ACT Australian Capital Territory
- NT Northern Territory
Let’s talk about your next step.
Tell us what you are working towards. We’ll help you understand your options and the information needed to get started.