English · Hindi · Nepali · Bengali
0413 364 684Melbourne based. Australia wide.
Buying your first home, making your next move or reviewing your mortgage? Genuine Financial Services helps you understand your borrowing options with personal support in English, Hindi, Nepali and Bengali.
Your home loan options
Your loan should reflect your circumstances and plans. We help you compare options from our lender panel, explaining the rates, fees, features and commitments involved.
Start with a clearer picture of what you may be able to borrow and what you need to prepare before buying.
Check whether your mortgage still meets your needs and weigh the potential benefits of switching against the costs involved.
Explore finance for an investment purchase with guidance on borrowing requirements and the effect of repayments on your budget.
Upgrading, downsizing or relocating? Understand how your current property and mortgage fit into financing your next home.
Understand how construction lending differs from a standard home loan, including staged funding and building documentation.
Running a business can make income documentation more involved. We help you understand how lenders may assess your application.
Look beyond the headline rate
A home loan involves more than an interest rate. Your repayment structure, fees, loan term and access to useful features can all affect how a loan works for you.
We explain these differences in plain language and discuss the trade-offs, helping you compare options against your budget and priorities.
Review the interest rate alongside establishment fees, ongoing charges and other costs relevant to the loan.
Understand how repayment type and loan length affect your regular budget and total interest over time.
Consider whether features such as an offset account, redraw or extra repayments suit your needs and justify any associated costs.
Understand the income, expense, credit and property information a lender may need to assess your application.
How we work
We discuss your plans, income, expenses, deposit and existing commitments to understand your starting point.
We compare loans from our panel and explain the features, costs and requirements relevant to your needs.
Once you choose a loan, we help with the application and liaise with the lender during its assessment.
After approval, we help with the lending steps towards settlement and remain available for future questions.
Experience. Understanding. Personal support.
With 14+ years of finance industry experience, Gopal Pokharel brings a personal approach to helping borrowers understand their options.
Discuss your plans in English, Hindi, Nepali or Bengali. Whether Australian lending terminology is familiar or new to you, we take the time to explain the process and welcome your questions.
Learn more about Gopal and our team →Australia-wide support
Genuine Financial Services supports borrowers across all six Australian states and both mainland territories. Contact our Melbourne team to discuss your location, circumstances and home loan needs.
Your questions answered
Start with these common questions, then speak with our team about your individual circumstances.
We help you understand your borrowing position, compare options from our lender panel and prepare your application. We explain the loan’s costs and features and liaise with the lender during assessment. The lender makes the approval decision.
Bring an overview of your income, regular expenses, savings, existing debts and property plans. Depending on your circumstances, we may request identification, income evidence, bank statements and information about your deposit or existing property.
Yes. We can help you understand your borrowing position, deposit requirements and application steps. We can also discuss whether first home buyer support may be relevant and help you check the applicable eligibility requirements.
Yes. We can review your existing loan and compare alternatives from our panel. A review considers your current rate, fees, remaining term and features alongside switching costs and your financial circumstances.
Yes. We can discuss your business income and help you understand the documents different lenders may require. Available options depend on your circumstances and the lender’s assessment criteria.
Yes. Gopal Pokharel offers support in English, Hindi, Nepali and Bengali, helping you discuss your goals and ask questions in your preferred language.
No. Our team is based in Melbourne and supports clients across Australia, including all six states, the Australian Capital Territory and the Northern Territory.
Tell us what you’re planning. We’ll help you understand your home loan options and the steps needed to get started.