BV Finance

We provide mortgage and finance broking from Box Hill in Melbourne. We support first-home buyers, existing homeowners, investors and business owners. We begin by understanding the client's borrowing purpose, income and existing commitments, then compare suitable lenders and loan structures. We explain repayment obligations, contract features and costs so clients can consider how an option fits their circumstances.

BV Finance was founded by Ben and Vivi, who bring experience in accounting and management. We offer conversations in English and Chinese to help clients understand lending terms and application documents. We assist with information about earnings, household expenses, current debts and the property being purchased. We also explain what a lender may need at different stages of the assessment.

For first-home buyers, we discuss deposits, borrowing capacity, pre-approval, purchase expenses and common loan features. Existing homeowners may be reviewing their mortgage or preparing to buy another property. We help compare repayment arrangements, fixed and variable products and possible switching costs. A refinance may involve a fresh credit assessment, so we examine alternatives in the context of the current loan.

Investment lending can involve equity, rental assumptions, ongoing property costs and other facilities. We also assist with construction loans, where building contracts and progress payments require special attention.