GET A HOME LOAN THE SMARTER WAY WITH AN AWARD WINNING GOLD COAST MORTGAGE BROKER.

98.2% of Home Loans approved with low interest rates.

GET A HOME LOAN THE SMARTER WAY.

98.2% of home loans approved with an award winning Gold Coast Mortgage Broker.

November Gold Coast Home Loan offers.

Get in touch for more interest rates…

3 YEAR FIXED
OWNER OCCUPIER

2.19%

Comparison Rate 2.56%

3 YEAR
INVESTMENT FIXED

2.49%

Comparison Rate 3.82%

BASIC
VARIABLE

2.55%

Comparison Rate 2.58%

How can we help you?

I’m looking to…

Have an expert Mortgage Broker on the Gold Coast on your side.

Victor Kalinowski Founder & Mortgage Broker Brisbane & Gold Coast

Welcome to Blackk Finance.

Hi I am Victor, Mortgage Broker Brisbane at Blackk Finance.

We take the hassle and overwhelm out of the loan application process and make sure you get the best solution for your needs.

We specialise in Home Loans, Investment Property Loans and Refinances.

By having us help with your home loan, take advantage of:

  • Latest interest rates and fees
  • Expert advice from me to help you get ahead financially
  • Highest chance of getting your Home Loan approved with 98.2% success rate
  • Regular updates so you always know where your Home Loan is at
  • 100% free service.

With my Home Loan experience and long term relationships with plenty of lenders, you’ll feel confident that your finances are in good hands.

Have a read of my Mortgage Broker Gold Coast reviews to get a feel for how well we look after our clients.

See me at my South Brisbane or Burleigh Heads office.

Have a question about Home Loans on the Gold Coast?

Have a question about Home Loans on the Gold Coast?

Why choose us?

Mortgage Broker Brisbane

Over 13 years experience

Since 2007, thousands of individuals and families continue to trust us in securing their home loans.

Get better access to lenders

Get better access to lenders

Save the legwork in finding a lender that offers the best value for your needs. With access to more lenders, we’ll do the work for you.

98.2% of home loans approved*

98.2% of home loans approved

Give yourself the best chance of getting your loan approved. With a thorough understanding of your finances and knowledge of banking rules we’ll get the job done.

Multi-award Winning

Multi-award winning

Blackk Finance has been recognised in Queensland for outstanding outcomes for our clients as a Mortgage Broker Gold Coast.

We get your Home Loan Approved.

The way we approach home loan applications is without question, industry leading. It is why we have one of the highest success rates, at 98.2%, in getting Home Loans approved.

Why is this important?  Knowing your loan will be approved, means you can buy the property you want with certainty, removing the stress many people feel when buying a home.

We are able to do this for our clients because I personally take the time to understand your situation in detail and what you would like to achieve.

I have a real relationship with each and every client of ours. You are not just a number to me.

If you walk into a bank you only get access to the two or three home loans they offer and chances are they may not be the best loan for you.

Instead I use my knowledge and expertise combined with the latest technology to find you the right home loan for your situation.

Complete Home Loan Guides for 2020.

mortgage broker gold coast

Self Employed Home Loans
[2020 COMPLETE GUIDE]

Advice on how to get finance ready to buy property or refinance a home loan. I share advice and give insight into the steps we follow to get a home loan approved …

mortgage broker gold coast

First Home Buyers Grant
[BONUS QUIZ & GUIDE]

Do the Quiz to see which of the four QLD Government benefits you are eligible for. This guides gives you the the simple breakdown of what the $15,000 First Home …

Steps to buy a home

Steps to Buy a Home
[DOWNLOAD BONUS MAP]

I breakdown in detail the steps you need to take to buy a house in Queensland so you always know where you stand and what you need to do next when …

Mortgage Broker Gold Coast Reviews.

Blackk is a best-rated Mortgage Broker Gold Coast. See what our clients have to say.

Based on 35 reviews with a 5 Star rating.

My partner and I were looking into purchasing our first home and did some research and came across Blackk Finance. We found that they had ample resources available for free on their website that allowed us to understand the process much more than anything else we had seen.After seeing how much effort they put in to their website resources we decided to give Victor a call. He spoke to me for nearly 2 hours (even though I only booked for a 1 hour free consultation) all about the process of buying a home and related all that information back to me and my partner's personal situation. He was incredibly thorough and from the beginning dedicated to helping us through this process.We had a couple of hiccups along the way but Victor was there to contact people on our behalf and make sure everything worked out in our favour. He made it easy for us to understand what was going on and always kept us in the loop.A little over 2 months later and my partner and I are sitting in our very own home with the knowledge of how to make our financial situation work best for us.Thank you Victor and the team at Blackk Finance, we appreciate your hard work!
Rhiannon H.
Rhiannon H.
10:38 22 Nov 20
Very helpful and professional. Will work hard to get you what you need
angela R.
angela R.
01:28 24 Oct 20
Victor and Christal were really helpful and did a great job, recommend without hesitation
John S.
John S.
06:10 20 Oct 20
Absolutely brilliant experience with Victor and Christal. I found Blackk Finance on Google after looking through various websites and even talking with friends for recommendations. From initial conversation, Victor was clear about the process and gave amazing advice. I didn't have experience with buying a house in QLD and Victor made it so easy to work through. Their document collection program was also super simple and efficient. Thanks for all your work and I couldn't recommend them more.
Jada T.
Jada T.
00:25 13 Oct 20
I can comfortably recommend Blackk Finance. We found Victor professional friendly and very efficient. Even 5 years later after he setup the first mortgage for us, I was able to telephone Victor for advice and receive the same service. Always helpful.
Roger G.
Roger G.
00:03 24 Sep 20
I can't recommend Victor highly enough. He is extremely knowledgeable, patient, and helpful. He exceeded our expectations after chatting with several other mortgage brokers, he was the one that made us feel the most comfortable in understanding what we were looking for and clearly taking the time to try find the best solution for us. I will be sending friends and family to Victor for years to come. Thanks so much!
Matt Dylan M.
Matt Dylan M.
06:37 14 Sep 20
I was recommended Victor and his team through a friend, and I couldn’t be happier. Victor took the time to explain everything to me in an easy to understand way, was extremely accommodating and efficient. I had a great experience with Victor and Christal, thank you so much.
Ellie C.
Ellie C.
08:15 25 Aug 20
I would absolutely recommend Blackk Finance to anyone and everyone. Victor was professional and friendly. He had our best interests at heart, and was so much more helpful than anyone else I have dealt with.
Rochelle D.
Rochelle D.
03:48 21 Jul 20
Victor was absolutely fantastic and we could not have asked for a better mortgage broker. He was very professional and so helpful every step of the way from first meeting up until everything was settled. Victor made sure everything was as easy for us as possible. Victor definitely had our best interests and goals at the forefront. Absolutely deserves 5 stars!
Bryce J
Bryce J
10:15 25 Jun 20
Victor was recommended to us through a colleague nearly 10 years ago when we purchased our first home. Victor was so helpful back then and helped us through the process very professional and off coarse very friendly. He put a lot of effort explaining the process to us and successfully get our finance approved in a timely manner back then. After 10 years we asked Victor again to help us with our new home purchase. We didn’t even though about involving any other person as we were extremely happy with our previous experience. Victor went above and beyond to support us getting our loan approved so quickly (1 week quicker than what we expected!) for us (twice) and helped us with all our questions we had along the way. With the systems he has in place, he made things much easier for us and pretty much hassle free. He has a very good reliable team and professional’s around him that supported us in multiple occasions. We would definitely use Victor again and recommend him to our family and friends. Thanks again for all your help Victor. Nikta and Iman
ImanoGraphy
ImanoGraphy
04:37 15 Jun 20
Victor and his team were outstanding. Nothing was ever too hard, very accommodating, understanding and patient. Above all, super helpful. I highly recommend these guys To help the process of you owning your dream home run smooth and effortlessly. Welcome guys! Thanks again. Nath and Jazz
Jasmin B.
Jasmin B.
23:05 28 May 20
I've been working with Blackk Finance for 7 Years. They have almost had my best interest at heart before their own.Their advice is always top notch and they come highly recommended!
Brendon S.
Brendon S.
03:42 11 May 20
Was extremely helpful in helping navigate all the many options. Can't thank Victor enought
Katy G.
Katy G.
23:37 10 May 20
We were recommended to go to Victor through a friend who had used Victor's services to help them purchase there first home. We met with Victor and we cannot express how much Victor went above and beyond to support us with constant emails ,phone calls, meetings one on one at the office to reach our goal. This period of time was more than a year of Victor giving us HIS TIME with such kindness and patience and really genuinely wanting the absolute best for us and our young family. Victor stuck by us till the very end when we built and bought our very first home. And Victor makes it easy. Easy to understand. All the paper work Victor did it all. Such a breeze. And so stress-free. Was so clear and honest and so down to earth from the beginning. I've already referred my family and friends to Victor. Which my brother bought his first home too through Victor's amazing service. So grateful. Go to Victor, no regrets😊
Apirana I.
Apirana I.
07:43 22 Apr 20
Victor was a pleasure to deal with whilst purchasing our first home. The patience, guidance and knowledge that Victor holds is incredible and really made the whole process stress free. Victor was available outside usual business hours to answer any questions we had and he would call us on a regular basis to check in to see how we are going. The way Victor explained things to me made the process simple and easy to understand. I felt included along the way and I appreciate that Victor took the time to assist us through this journey. I highly recommend Victor to anyone looking for a stress free, professional (and not salesly at all) Mortgage Broker! Thank you for your hard work!
Emily K.
Emily K.
05:43 15 Apr 20
Victor put in a lot of effort and went above and beyond to get our home loan approved and our property settled, and has a lot of knowledge about which particular loans/banks are best to apply with depending on each person's personal/property circumstances. His good record with the banks also helped them view our application more favourably. We would definitely use him again and recommend him to our friends. He also supports the charity Kiva.
Naomi Ann B.
Naomi Ann B.
02:21 31 Mar 20
Victor was easy to get along with and answered all our questions quickly. He made the process as easy as possible and kept up in the loop the entire way.
Kyra A.
Kyra A.
10:32 16 Mar 20
Victor was so helpful and patient with us when buying our first home. No question was stupid, he responded to emails/texts promptly, after hours appointments weren’t a problem. Would definitely recommend him
Penny H
Penny H
04:34 22 Feb 20
I have had the most positive experience with Victor. He is extremely professional, knowledgeable, efficient and honest. He quickly figured out my overall situation and laid out the best options before me. The whole process went quickly and smoothly. He is always available to answer queries and guide me through unclear situations. On top of everything Victor is very friendly and has a positive attitude. It is a sheer pleasure dealing with him. I highly recommend Victor and his team.Anna K
567hug81 K.
567hug81 K.
05:10 14 Feb 20
Went to Blackk Finance for advice and came out with much more than I expected. Viktor helped out so much with explaining terms and ideas! Would definitely recommend his services.
Joshua S.
Joshua S.
07:09 31 Jan 20
Viktor was extremely professional and knew what he was talking about. He offers great service for everyone and tells you the honest truth. He tells you what you need to hear and will keep you in track to reaching your goals.Honest, professional and knows-it-all
Massimiliano S.
Massimiliano S.
20:55 30 Jan 20
With us both being self-employed the likelihood of being approved for a home loan in this post-bank royal commission era was tenuous at best. That is until we met with Victor. Victor was the consummate professional as an advisory, in the gathering of relevant details and his liaising with the banks. Without Victor our dreams could not of been realised.
Peter C.
Peter C.
11:00 11 Nov 19
Victor recently helped one of my clients who were having issues with their finance. Our clients were impressed with Victor’s level of service and attention to detail. They were very happy that he took the time to consider their personal circumstances before providing a number of finance options for them to choose from. Our clients now have unconditional approval and we look forward to a smooth settlement process! Thanks, Victor!
Raisa B.
Raisa B.
16:46 21 Oct 19
Couldn’t recommend Victor highly enough! Heard of Blackk finance through word of mouth and couldn’t be happier with the service. Victor and his team helped my partner and I with the never ending process of buying our first home. Victor was patient and explained every step of the way, without ever pressuring us into anything. Victor always responded to calls and emails with haste and no question seemed silly enough for him! Put us both at ease. Thanks for everything.
Siobhan M.
Siobhan M.
16:46 21 Oct 19
I can't recommend them enough!We were referred to Victor by a friend to sort his help and expertise with everything to do with purchasing our first home. We are first timers and had no idea where to start.Victor went above and beyond for us, staying in contact, following up on everything and stuck it out with us for a few years before we had enough to finally start the process.Victor & Blackk finance are great guys and we won't hesitate in contacting them again in the future.We appreciate everything you's have done for us! Thank you
Kay T.
Kay T.
16:46 21 Oct 19
This was our first experience using a mortgage broker. It was absolutely pleasure to dealing with Victor Kalinowski from Blackk Finance.He assisted us with buying our first home. Victor guided us through the process every step of the way and worked hard to find the best proposal for our needs. Victor explained everything really simple and was more than happy to answer our questions throughout the process, even when they were just basic questions.Special thanks for helping us to getting First Home Grant. We would highly recommend him for mortgage service!Many thanks Victor and Debbie for their job, it was awesome!
mr K.
mr K.
16:45 21 Oct 19
Blackk Finance made buying my first home so easy. I had a bit of a deposit saved - wasn't sure if it was enough and a friend of my suggested I give them a call. They were friendly and patient to deal with - ended up talking to them for about 25 minutes and then booked an appointment to meet with Victor. He explained what my options where and then exactly what I'd need to do.I didn't feel rushed in any way and he listened to what I wanted to do in the future an made it really easy. Stoked with how much they helped and what a difference it made. Saving up for my 1st investment property now! 😉
Alex S.
Alex S.
16:45 21 Oct 19
I’ve been waiting to write a review about Black Finance. First of all I would like to thank Victor and Glenn immensely for supporting us through our land and home building project.Victor Kalinowski was our main contact and we know him since Sep 2014 when he took the initiative to travel to Shepparton, Victoria to do all the paper works for our home loan. We would highly appreciate his effort and getting the work done.Our whole project was very complex as it had the pool work, landscaping, home automation and million other things apart from the high-set building. Victor helped us out consistently for the last 2 years and maintained contact by phone, text and emails continuously. Whenever there was any problem, confusion or queries, he was there for us. Victor is very professional, prompt and friendly in nature.We’re still dealing with him regarding our home valuation and few other things. I would highly recommend him to anyone wanting a finance broker.Thank you once again Victor for your continuous support.Kind regardsShreya and family
S R.
S R.
16:45 21 Oct 19
My partner and I had been recommended by friends to contact Victor at Blackk Finance for the purchase of our first home. From the initial meet and greet late one evening to the actual purchase / finance of our property the positive experience continued.Victor was more than happy to talk us through all aspects and options available to us, this included understanding our personal circumstances and always maintaining options that would have our best interests first.The process was simple, convenient and we could not meet someone more willing to help and answer questions, giving confidence at every step along the way.We could not recommend Victor and the team enough and without questions would use them again for any future finance requirements.Thank you again for all your assistance and support!Brent & Shoko
Brent M.
Brent M.
16:45 21 Oct 19
I have been working with Victor and his team on and off over the last 8 ½ years now, buying three properties and also helping me with a car loan.Over the years I have found Victor to be very professional and knowledgeable with the services he provides.I am still looking at purchasing more property in the future and Victor will be a part of this journey if he likes it or not.Thank you very much Blackk Finance, Keep up the good work.
les D.
les D.
16:45 21 Oct 19
Assisted me immensely from start to finish. Made the process very easy and stress-free. Would recommend.
Jo V.
Jo V.
16:45 21 Oct 19
I would give Blackk Finance 10 stars if I could. Victor & Debbie were simply amazing!!I personally found purchasing our first home a bit scary but Victor coached us through the whole process and always managed to reassure me. He never seemed annoyed at my endless questions & was very well prepared for everything we threw at him.Thank you for not giving up on us. I know it took us a while but now thanks to you we will be enjoying Christmas poolside in our new home!! We will definitely recommend your services to all our friends and will be back the next time we’re in the market for a new home. 🙂
Christina H.
Christina H.
16:45 21 Oct 19
Can't recommend Victor enough! He made the transition into our first house a great experience. Will most definitely go back to Victor for any future finance needs.
Jamie M
Jamie M
16:45 21 Oct 19
Excellent and very personable service. Took both our long and short term goals into account. I would definately recommend them to friends and family.
Thomas S.
Thomas S.
16:45 21 Oct 19
Victor from Blackk Finance will be my broker for as long as he wants to find me loans! I felt timid about buying my first investment property but talking to Victor about loans options and his own personal experience with property has given me the confidence to move forward. There are no questions too silly or irrelevant for Victor. He answered all my queries (over phone, email, Facebook and in person) very quickly and even though I took up countless hours of his time he has been incredibly patient with me. The loan process so far has been very stress free, as well as pressure free. I couldn't recommend Blackk Finance more strongly. Go see them, it will be the best choice you make.
Vicky T.
Vicky T.
16:45 21 Oct 19
Victor takes the time to talk through all your options and answer all your questions. No hesitation in recommending him.
Amy & C.
Amy & C.
16:45 21 Oct 19
We have known Victor Kalinowski for some years. We were introduced to him by an Australia-wide Real Estate Investment training company. Almost immediately we felt very comfortable in his presence. We soon learnt that Victor is very honest person. He has helped us with two major investments which were executed very profesionally and promptly. Nothing is ever too much trouble for Victor. He has a wonderful personality and we have come to know him on a more personal level. At no time have we ever felt pressured or stressed during the process. We would have absolutely no hesitation in recommending Victor to anybody who wants a truly professional and very switched on Mortgage Broker. K & D
Kev H.
Kev H.
16:45 21 Oct 19
I absolutely recommend this company for everyone. After everything got approved with bank, my house wasn't ready for such a long time but Victor was extremely helpful and supportive the whole time. Every time I had a small issue or a question, he was right on and tried to sort it out straight away eventually he did.I was really impressed with the way the company dealt with my case. They were trying to make sure that everything was in the right place(required documentations, progression of bank status ect) also updating every single information and the progression too quick for me.I have heard of a few bad experiences from friends with their mortgage broker so I wasn't 100% sure if I really wanted to deal with Blackk finance at the bigining but after all, I have been recommending this company to people who is looking for some help for their mortgage.I'm so glad that I have chosen Blackk Finance and here I am, I have got what I wanted with the best help and support:)Thank you so much Victor!
Dina P.
Dina P.
16:45 21 Oct 19
Please take a moment to read this. You may think that engaging a mortgage broker is all about them just assisting you in getting the best deal amongst the banks for your lending. You would be wrong. We have dealt with Victor and his team at Blackk Finance on two occasions and most recently to re-finance our mortgage with one of the big banks. Blackk Finance epitomises the difference between a good broker and a GREAT broker. What happened to us, we just wouldn’t have foreseen and without the integrity, thoroughness and partnership with Victor, we would have been fighting a losing battle with this lender. You see, this ‘responsible lender’ made a massive error with our loan and wouldn’t admit fault, investigate independently with a neutral view and basically covered up their errors with a web of lies. We were passed around to different ‘customer care’ consultants in an attempt to remedy the situation. Ultimately we ended up at the Financial Ombudsman. Without the thoroughness and detail that Victor and his team had ensured along the journey of the loan application – dotting i’s and crossing t’s, we wouldn’t have had a leg to stand on. Victor was always on our team, calling the bank, offering documentation of proof – his customer service, follow through and reliability went above and beyond what I would have expected. We got there in the end, we won the battle with this bank, but we just couldn’t have done it without Victor. They are a small team, with a massive heart. So, the moral of our experience is – don’t choose good, choose great. You just never know when you will need that extra support beyond the loan. Blackk Finance have been the GREAT. I can’t recommend them enough and I just can’t thank them enough either.
Nicole M.
Nicole M.
16:45 21 Oct 19
Victor was very helpful from the day we contacted him just to get general information about buying a house. He is very knowledgeable and was always very patient answering all our questions. Victor and his amazing team provided support along the way and after we purchased our house. I would definitely recommend Blackk Finance to all my friends and family!!
Helena S.
Helena S.
16:45 21 Oct 19
My wife and I cannot recommend Victor and his team highly enough. He was extremely organised with our home loan and had everything sorted for us in a very short period of time. He is a stand up guy with only the right advice. Thanks for the Lamb Shawarma recipe – turned out perfect, the family loved it. The new home is great also. Thanks Victor.
NuMatthu
NuMatthu
16:45 21 Oct 19
Upon recommendation of a couple of friends, we had spoken to Victor Kalinowski at Blackk Finance a couple of times over the past two years whilst we looked for our first home. In the beginning, when we were just starting to look seriously, Victor provided us with invaluable advice on demonstrated savings required, deposit amounts, the impact of LMI, and what documentation we’d need to provide for a loan application. We had been looking for a house for about two years and decided to give it a break for a bit - we had encountered some disappointment in the market, and our circumstances had unexpectedly changed. Of course, when we weren’t looking, we accidentally found ‘the house’. We were in a complicated situation (being a small business owner has an impact on loan options, and we had just been through a period of significant health expenses). Instead of shying away from us as a challenging client, Victor dedicated himself to understanding our circumstances and tailored loan options that would be suited to us now, and in the future. He did a lot of research and made a lot of phone calls for us, checking requirements and information, and assisting us with preparing the right documentation, to ensure we would be in a position to get the loan we needed before applying; it was kind of like a pseudo-pre-approval process. Timeframes were very tight (we had 21 days but ended up needing a 2 day extension because the lender had a backlog) and there was a lot of back and forth and gathering of documentation, but in the end, it has all been worth it. Yesterday, we picked up the keys to our very first home. Victor’s advice and support has been invaluable - he knows the lenders, he knows their products and he knows their requirements. Most importantly, he makes the effort to get to know you, and your circumstances, and appropriately match you to the best loan options. He can talk you through the pros and cons of it all, and has a great attention to detail. And for us, he went above and beyond to follow things up with solicitors and banks, even when the process had technically ended for him (thanks Victor!). We would highly recommend working with Victor for property finance, to anyone (he does residential and commercial). He’s really easy to get a hold of and has a transparent approach to his work. Thank you, Victor, for all of your hard work and perseverance with us, and helping make our dream become a reality! Rhiannon and David
Rhiannon W.
Rhiannon W.
16:45 21 Oct 19
Victor and the team at Blackk Finance were exceptional. My boyfriend and I needed to organise finance after putting an offer on a house at the Gold Coast. They were thorough, taking the time to walk us through the process, ensuring we understood everything. We felt supported and like they had our back, knowing instantly that we'd made the right decision. We'd highly recommend Blackk Finance and will continue to have them on our side as we go forward.
Lesli T.
Lesli T.
16:45 21 Oct 19
We could not have been happier with the service that Victor and his team provided. Blackk Finance is knowledgeable, professional but also very down to earth. Obviously the task of buying our first home was a daunting prospect, but Victor and his team made it a comfortable and rewarding experience. Best of all, all of their knowledge and expertise was free! Couldn't recommend this more as a means of interfacing with the banks to find a home for you. We even got our rate taken down quite a bit. Thanks for everything!
Michael A.
Michael A.
16:45 21 Oct 19
My wife and I were looking for a broker after seeing the house we thought it was perfect for us. The right size, price and even street! So we found Blackk Finance when researching online and went to meet Victor. See, we were not just first home buyers but we also had no idea about how mortgages work. To top that, I’ve just started working as self-employed photographer and financial institutions don’t exactly love that.After reviewing our situation, Victor said we could try it but it would be complicated so we went ahead and made an offer for the property. A few days later our solicitor (who’s amazing and was Victor’s recommendation) had contracts signed and everything was ready and perfect for us to apply for the loan. Victor has lots of contacts and sadly when it was time for us to apply, a little situation started in Australia and the banks got spooked. So there we were, contract signed, first deposit paid, building inspections done and so on, and the banks saying no before we could even apply for a loan - and Victor trying every single magic spell mankind has ever heard of (and some probably only he knows).Day in, day out, Victor tried EVERYTHING. In the end, there was a chance and we decided to go for it, only to see it declined by the banks. While my wife and I were frustrated and sad, Victor has never for a second given up. And for that we are forever thankful. Mind you, this was all happening in the lead up to Christmas and New Years.And this was the 5 star review we were writing even though we didn’t succeed - which was entirely our fault - to Victor Kalinowski, first of his name, wizard of Oz finance and brave restless knight.Anyone could have given up on us and it would be completely understandable. We were a very difficult case and it was a lot of work to even try getting us a loan. Most brokers would probably say “sorry, can’t help, come back in a year when you do this, this and that”, but not him. Instead he was honest and open about our chances and the work it could take, to get everything ready and still receive a no for an answer. And that’s exactly what happened: after trying everything, we accepted the fact we were not buying this house, this time.But then something changed in our situation, a little thing, and I called Victor to tell him. With the same excitement he said that would change everything and we should try. At this stage, time was really against us. For a whole week Victor worked hard to get things done in time.And here we are now, packing our stuff to get ready to move in to our new home.Victor, we cannot thank you enough, I couldn’t just write a review saying “yes he’s the best broker in town” because without explaining what we all went through together, it would be hard to make people understand how much you care and work hard. We know you could have spent your time working with easier clients and yet you haven’t stopped for a second.Thank you thank you thank you,(and Debbie)Bruno and Roberta (and Helga)
Bruno Spotorno D.
Bruno Spotorno D.
16:45 21 Oct 19
We just refinanced our home loan to get a bit of extra money to build a carport, but most importantly, to get a better interest rate. We're probably not the easiest clients Victor has ever had to deal with, but Victor found the perfect set-up for us and we are extremely happy with the outcome. Mid process we went on holidays, but not once did we have to worry about anything - despite us dropping the ball in a big way, Victor kept us informed every step of the way and I didn't have to call him even once to see where things were at. The paperwork was sent to us, clearly marked where we had to sign and it was all just so easy. Thank you Victor! Would recommend Blackk Finance to anyone looking for a better deal and a stress free transaction!
Lotte H.
Lotte H.
16:45 21 Oct 19
Victor is extremely approachable, friendly and professional. He instills a confidence in you that he is genuinely making suggestions based solely on your best interests.We felt very looked after by Victor and truly wondered why anyone would even bother looking for finance on their own.Even when freak complications arose, Victor worked very hard to both rectify the situation and continually communicate with us about it.I would wholeheartedly recommend that anybody looking for a home loan speak with Victor immediately.
Gavin H.
Gavin H.
16:45 21 Oct 19
Victor was the first & last mortgage broker we visited while looking for a broker. We explained our financial situation and Victor advised on various approaches in a simple easy to understand manner. Our visits & phone calls were helpful & professional throughout. At times my partner and I thought we were his only client due to his response rate! Highly recommended.
skb17
skb17
16:45 21 Oct 19
Victor and his team have been helping my wife and I for around 7 years. He impressed us from the start by flying up to Rockhampton to meet us and help to structure our loans and lending so that we could buy our dream block of land. The service continued throughout the years with Victor always approachable, friendly and willing to go the extra mile for his clients. An example of this is Victor meeting us at the airport at around 9pm at night so we could get all the documents signed to allow us to settle a property ASAP. The great thing about Victor and his team is that you don't just become a number and fade into the background after a few years. Victor always returns phone calls and has your information to hand when talking to his clients. We are now in our dream home and Victor is still helping us get the best deal possible in regards to lending, combined with great advice on how to structure the loans to get the most out of every dollar. So if you want great service and honest advice then Victor and the team at Blackk are the people for you.
Shane A.
Shane A.
16:45 21 Oct 19
Our situation was a little more difficult than most, we had a combination of it being our first property purchase, self employed and that we were buying the property we were currently renting so there was no sales agent involved to help with certain details.Victor and his team were absolutely brilliant. From the first conversation to the conclusion they made the process extremely easy to understand, follow and be informed.I had previously spoken to a number of brokers before Blackk Finance, at that time we only had a small deposit, other brokers were keen to do the deal and encouraged us to take big risks to make it happen at that time without being clear of the consequences. My first chat with Victor was simple . "Save more " So we did, got back in touch with him down the track and he exceeded our expectations with a higher deposit loan and thus lower interest.If other brokers are soldiers, Victor is a Navy SEAL . His communication is always clear, precise and professional. He knows his profession extremely well and he will make sure that you get a good deal and that you are making solid financial decision.Special thanks to Debbie as well for her efforts, extremely helpfull.
Niall P.
Niall P.
16:45 21 Oct 19
My wife and I cannot recommend Victor and his team highly enough. He was extremely organised with our home loan and had everything sorted for us in a very short period of time. He is a stand up guy with only the right advice. Thanks for the Lamb Shawarma recipe – turned out perfect, the family loved it. The new home is great also. Thanks Victor.
NuMatthu
NuMatthu
03:50 27 Aug 19
Upon recommendation of a couple of friends, we had spoken to Victor Kalinowski at Blackk Finance a couple of times over the past two years whilst we looked for our first home. In the beginning, when we were just starting to look seriously, Victor provided us with invaluable advice on demonstrated savings required, deposit amounts, the impact of LMI, and what documentation we’d need to provide for a loan application. We had been looking for a house for about two years and decided to give it a break for a bit - we had encountered some disappointment in the market, and our circumstances had unexpectedly changed. Of course, when we weren’t looking, we accidentally found ‘the house’. We were in a complicated situation (being a small business owner has an impact on loan options, and we had just been through a period of significant health expenses). Instead of shying away from us as a challenging client, Victor dedicated himself to understanding our circumstances and tailored loan options that would be suited to us now, and in the future. He did a lot of research and made a lot of phone calls for us, checking requirements and information, and assisting us with preparing the right documentation, to ensure we would be in a position to get the loan we needed before applying; it was kind of like a pseudo-pre-approval process. Timeframes were very tight (we had 21 days but ended up needing a 2 day extension because the lender had a backlog) and there was a lot of back and forth and gathering of documentation, but in the end, it has all been worth it. Yesterday, we picked up the keys to our very first home. Victor’s advice and support has been invaluable - he knows the lenders, he knows their products and he knows their requirements. Most importantly, he makes the effort to get to know you, and your circumstances, and appropriately match you to the best loan options. He can talk you through the pros and cons of it all, and has a great attention to detail. And for us, he went above and beyond to follow things up with solicitors and banks, even when the process had technically ended for him (thanks Victor!). We would highly recommend working with Victor for property finance, to anyone (he does residential and commercial). He’s really easy to get a hold of and has a transparent approach to his work. Thank you, Victor, for all of your hard work and perseverance with us, and helping make our dream become a reality! Rhiannon and David
Rhiannon W.
Rhiannon W.
06:44 01 Aug 19
I have been working with Victor and his team on and off over the last 8 ½ years now, buying three properties and also helping me with a car loan.Over the years I have found Victor to be very professional and knowledgeable with the services he provides.I am still looking at purchasing more property in the future and Victor will be a part of this journey if he likes it or not.Thank you very much Blackk Finance, Keep up the good work.
les D.
les D.
09:02 24 Jun 19
Victor and his team have been helping my wife and I for around 7 years. He impressed us from the start by flying up to Rockhampton to meet us and help to structure our loans and lending so that we could buy our dream block of land. The service continued throughout the years with Victor always approachable, friendly and willing to go the extra mile for his clients. An example of this is Victor meeting us at the airport at around 9pm at night so we could get all the documents signed to allow us to settle a property ASAP. The great thing about Victor and his team is that you don't just become a number and fade into the background after a few years. Victor always returns phone calls and has your information to hand when talking to his clients. We are now in our dream home and Victor is still helping us get the best deal possible in regards to lending, combined with great advice on how to structure the loans to get the most out of every dollar. So if you want great service and honest advice then Victor and the team at Blackk are the people for you.
Shane A.
Shane A.
21:16 19 Mar 19
Victor was very helpful from the day we contacted him just to get general information about buying a house. He is very knowledgeable and was always very patient answering all our questions. Victor and his amazing team provided support along the way and after we purchased our house. I would definitely recommend Blackk Finance to all my friends and family!!
Helena S.
Helena S.
09:35 14 Feb 19
My wife and I were looking for a broker after seeing the house we thought it was perfect for us. The right size, price and even street! So we found Blackk Finance when researching online and went to meet Victor. See, we were not just first home buyers but we also had no idea about how mortgages work. To top that, I’ve just started working as self-employed photographer and financial institutions don’t exactly love that.After reviewing our situation, Victor said we could try it but it would be complicated so we went ahead and made an offer for the property. A few days later our solicitor (who’s amazing and was Victor’s recommendation) had contracts signed and everything was ready and perfect for us to apply for the loan. Victor has lots of contacts and sadly when it was time for us to apply, a little situation started in Australia and the banks got spooked. So there we were, contract signed, first deposit paid, building inspections done and so on, and the banks saying no before we could even apply for a loan - and Victor trying every single magic spell mankind has ever heard of (and some probably only he knows).Day in, day out, Victor tried EVERYTHING. In the end, there was a chance and we decided to go for it, only to see it declined by the banks. While my wife and I were frustrated and sad, Victor has never for a second given up. And for that we are forever thankful. Mind you, this was all happening in the lead up to Christmas and New Years.And this was the 5 star review we were writing even though we didn’t succeed - which was entirely our fault - to Victor Kalinowski, first of his name, wizard of Oz finance and brave restless knight.Anyone could have given up on us and it would be completely understandable. We were a very difficult case and it was a lot of work to even try getting us a loan. Most brokers would probably say “sorry, can’t help, come back in a year when you do this, this and that”, but not him. Instead he was honest and open about our chances and the work it could take, to get everything ready and still receive a no for an answer. And that’s exactly what happened: after trying everything, we accepted the fact we were not buying this house, this time.But then something changed in our situation, a little thing, and I called Victor to tell him. With the same excitement he said that would change everything and we should try. At this stage, time was really against us. For a whole week Victor worked hard to get things done in time.And here we are now, packing our stuff to get ready to move in to our new home.Victor, we cannot thank you enough, I couldn’t just write a review saying “yes he’s the best broker in town” because without explaining what we all went through together, it would be hard to make people understand how much you care and work hard. We know you could have spent your time working with easier clients and yet you haven’t stopped for a second.Thank you thank you thank you,(and Debbie)Bruno and Roberta (and Helga)
Bruno Spotorno D.
Bruno Spotorno D.
07:46 15 Jan 19
My partner and I had been recommended by friends to contact Victor at Blackk Finance for the purchase of our first home. From the initial meet and greet late one evening to the actual purchase / finance of our property the positive experience continued.Victor was more than happy to talk us through all aspects and options available to us, this included understanding our personal circumstances and always maintaining options that would have our best interests first.The process was simple, convenient and we could not meet someone more willing to help and answer questions, giving confidence at every step along the way.We could not recommend Victor and the team enough and without questions would use them again for any future finance requirements.Thank you again for all your assistance and support!Brent & Shoko
Brent M.
Brent M.
12:50 06 Jan 19
I would give Blackk Finance 10 stars if I could. Victor & Debbie were simply amazing!! I personally found purchasing our first home a bit scary but Victor coached us through the whole process and always managed to reassure me. He never seemed annoyed at my endless questions & was very well prepared for everything we threw at him.Thank you for not giving up on us. I know it took us a while but now thanks to you we will be enjoying Christmas poolside in our new home!! We will definitely recommend your services to all our friends and will be back the next time we’re in the market for a new home. 🙂
Christina H.
Christina H.
22:32 20 Dec 18
Victor is extremely approachable, friendly and professional. He instills a confidence in you that he is genuinely making suggestions based solely on your best interests.We felt very looked after by Victor and truly wondered why anyone would even bother looking for finance on their own.Even when freak complications arose, Victor worked very hard to both rectify the situation and continually communicate with us about it.I would wholeheartedly recommend that anybody looking for a home loan speak with Victor immediately.
Gavin H.
Gavin H.
01:53 03 Dec 18

7 best Q&A’s to help you choose the top Mortgage Broker on the Gold Coast.

Mortgage Brokers work for you making it easier for you to get a Home Loan and importantly, give you Home Loan advice you will not get going direct to your bank.

We are not restricted to just one bank – we offer choice from many, many banks.

Going straight to a bank means they can only give you the two or three loans that they sell.

As Mortgage Broker’s, we have access to over 40 banks in Australia, so we can find you the right home loan for your needs.

We make it easier for you as we organise a lot of the Home Loan application and liaison with the bank on your behalf.

One of the biggest benefits I believe, we as Mortgage Broker’s offer, is the advice and hand holding you get.

All the time we keep you informed. The whole process is managed by us.

Mortgage Broker Gold Coast.

There are over 11,000 registered Mortgage Brokers in Australia, so you won’t have any troubles finding one.

You may though, have some challenges finding a genuinely good Mortgage Broker.

Like hairdressers, cafes and plumbers, there are good ones and not so good ones.

A few things to check out when choosing your Mortgage Broker:

  • The website – look at the “About” page / personal profile on exactly who the Mortgage Broker is (many websites you come across when googling for a Mortgage Broker Gold Coast just collect your details and pass you onto ‘faceless’ brokers)
  • Online reviews for the Mortgage Broker – check the details in people’s comments
  • Ask “how many other people have you helped in the last few months in this exact situation”. For example, we specialise in helping first home buyers, refinances, people building or renovating a home, bridging loans and self employed home loans.
  • Ask “what process do you follow” (as a good Mortgage Broker will always have one)
  • Ask “who do I contact if I have questions”?

Following these steps will be a great start to finding a good Mortgage Broker on the Gold Coast.

There are three main reasons why I believe using  a Mortgage Broker is beneficial over going to a bank.

The single biggest reason most people use a Mortgage Broker, is you get access to Home Loans from over 40 different banks and lenders.

Rather than contacting multiple banks yourself to find the latest deals, we use our leading edge software platform to do the work.

Going to the local bank yourself means you are only seeing the handful of Home Loans on offer from a single bank.

Secondly, the whole process is managed by us, including the application form and all the follow up with the bank and your solicitor as required.

And finally, we give you generous amounts of advice to help you get ahead financially.  Home Loans are more complicated these days so making sure yours is set up correctly and you are managing correctly is vital.

I also advise my clients on the steps to make an offer on a property, how to negotiate with a real estate agent and have my circle of trusted solicitors and building and pest inspectors who you can use.

Compare this high level of customer service and advice to what you receive from the bank, and I think you would agree that using a Mortgage Broker is more beneficial for you.

Mortgage Broker Gold Coast.

It costs you nothing to use a Mortgage Broker.

Mortgage Brokers get paid by your lender at the settlement of a Home Loan.

Lenders pay Mortgage Brokers in the background in the same way that they would pay their local Brisbane branch staff in the background.

The client isn’t expected to pay the branch clerk when they go and see them, just like we don’t expect them to pay us directly.

So what that means is that we as your Mortgage Brokers don’t get paid unless we get you a home loan that’s approved.

Mortgage Broker Gold Coast.

The length of time it takes to get a home loan approved varies considerably depending on the lender you use and how complex your situation is.

We find it takes around 1 to 7 days for most people to provide us with their paperwork (depending on how organised you are)!

From here we can usually get your home loan application prepared, signed and submitted to the lender for approval within 1 to 2 weeks.

Once the the bank has your application, the time it takes comes down to the queue’s they have and this can vary from 1 day to several weeks or more.

We are in touch with the lenders regularly following up on your behalf to ensure your home loan is approved as quickly as possible.

As soon as your loan is approved you will hear from us directly.

One of the biggest benefits you will get from using a good Mortgage Broker, is the quality advice.

One of the backbone’s of Blackk Finance is financial education. My mother was a school teacher and I grew up hearing a lot about learning which is probably why I love it.

You can expect advice on how to get finance ready to buy property, how to make an offer to buy a home and importantly how to structure and manage your home loan.

I believe in paying off your home loan sooner, so every client receives a plan to pay down their debts sooner.

Having a look through our website, and watching some of my video’s is a great way to see what we are about at Blackk Finance.

If you would like to get a better feel for how I can help, I recommend booking a free 15 minute call with me here.

We cover the initial questions you may want to know, like how much you can borrow, what deposit you need saved and what the next steps are in the process to buy a home.

Once you have made an offer on a property, please get in touch with me directly and we can get the ball rolling, by giving you a secure online portal to upload your paperwork too, and a link to an online questionnaire where you provide your personal and financial information.

Mortgage Broker Gold Coast.