Home Loans


Whether you’re buying a residential property for your home or an investment, we can help you tailor your loan to suit your needs including organising fixed interest rates, variable rates or split home loans.


Refinancing allows you to re-evaluate your finances whether it’s time to look for a more competitive interest rate to save on your home loan, consolidate your debts or revamp your existing property.


Construction loans are different from your regular home loans in that the lender will pay your builder at each completed stage of construction. We’ll take care of the progress payments so that you can focus on building your dream home.

First Home Buyer

Buying a property for the first time is an exciting milestone in your life but the paperwork and application process can be daunting. That’s why we’ll help you through every stage of the application including Guarantor loans, working with your conveyancer and applying for the First Home Owner’s Grant.

Low Doc

A low doc home loan is an alternative product offered to help self employed borrowers who don’t have all the financial documentation typically required by lenders such as a recent tax notice of assessment.

Bad Credit

Sometimes we have a less than ideal financial past that may get in the way of obtaining a loan. That’s why our brokers are accredited with banks that offer responsible lending to customers who fall outside typical lending criteria of major banks and lenders.

Commercial Loans

We specialise in providing commercial loans including business loans to purchase or refinance of commercial property, funding for residential or commercial property developments, land subdivision and land banking. We have access to funding from all major banks including private funds for Lo-Doc, purely asset based, land subdivision and SMSF loans.

Motor Vehicle and Equipment Finance

Enabling you to expand your business by assisting you to find the right lenders for the access of equipment, vehicles and technology in a situation where you need a specialised funding for your business.

A Few Words About Us

With a combined experience of 15 years, Suraj and Karna each bring their expertise in the residential and commercial mortgage industry to lead a team of brokers to assist our clients through the property buying process. We understand that each customer and their situation is unique. We can provide customised loan comparisons and tailored lending solutions across our extensive panel of residential and commercial lenders. Our consultations are obligation free and our services are at no cost to you.

Personalised, Efficient & Reliable Mortgage Solution

Our Team

Suraj Singh Ayer

Managing Director - Home Loans

Karna Rana

Director - Commercial

Deepak Sapkota

Mortgage Specialist

Bishan Gurung

Home Loan Analyst

Joanne Lay

Home Loan Analyst

Why People Trust Us

At VDA Finance and Capital we pride ourselves on a company culture built on diversity, trust and exceptional customer service. Our team of home loan experts strive to provide our clients with transparent, uncomplicated and expert guidance.


Enjoy your home loan journey with Our Industry Experts

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