Contact Us

Edit Template

Three steps.

Zero runaround.

You don’t need to understand finance to work with us.

Tell us what you need; we handle everything from lender selection to settlement.

Most clients tell us it’s the easiest finance experience they’ve had.

Tell us what you need

Quick call or 60-second form

We find your deal

50+ lenders compared for you Same day

Approved & settled

Keys, funds, or equipment

01

Tell us what

you need.

A five-minute phone call or a 60-second online form. We ask the basics; loan type, amount, your situation, and your timeline. No credit check at this stage. No commitment required. Just a conversation.

 

Free assessment form

No credit check · No obligation

Use the calculator below for a rough estimate, then call Vishal for the exact figure based on your situation.

Free assessment form

No credit check · No obligation

Use the calculator below for a rough estimate, then call Vishal for the exact figure based on your situation.

02

We find your

best deal.

Vishal searches our panel of 50+ lenders, compares rates and structures, and identifies the strongest options for your exact situation. He then presents you with a clear recommendation; rate, term, repayment, and the reasoning behind it. No pressure, no jargon.

03

Approved and

settled.

Once you choose to proceed, we handle everything. Application preparation, lender submission, document collection, condition responses, and settlement coordination. You sign what’s needed; we do the rest. Most clients are conditionally approved within 24–48 hours.

 

Free assessment form

No credit check · No obligation

Use the calculator below for a rough estimate, then call Vishal for the exact figure based on your situation.

We tell you exactly what

to prepare. No surprises.

The list varies by product and lender.

Vishal confirms exactly what’s needed before you start .

no wasted effort gathering documents that aren’t required.

 

Every application

Home loans

Vehicle & equipment

Business loans

Low-doc applications

Private sale finance

The numbers that explain

why 76% choose brokers.

Brokers now arrange the majority of home loans, a growing share of vehicle finance, and an increasing proportion of SME lending in Australia. The reason is simple, brokers have access to more lenders, better outcomes, and no obligation to recommend any specific product.

of Australian home loans originated by brokers
0 %
lenders compared for every application
0 +
cost to you; lenders pay our fee after settlement
$ 500
approval rate on bank declined cases
0 %

Personal — you deal with Vishal

Not a junior, not an offshore call centre. Vishal handles your file personally from the first call to settlement.

Best Interests Duty — it's the law

Brokers are legally required to recommend what's right for you; not what earns the highest commission. This is enforced by ASIC.

50+ lenders — not just your bank

Major banks, specialist non-banks, fintechs, and private credit. We access the full market and find the right match for your situation.

Free — the lender pays us

Lenders pay our fee after your loan settles. You receive the same loan terms as going direct; with someone expert working in your favour.

Free — the lender pays us

Lenders pay our fee after your loan settles. You receive the same loan terms as going direct; with someone expert working in your favour.

Everything you've been

too polite to ask.

All the questions Australians have before applying for a loan, answered honestly.

Still have a question?

Call Vishal directly or send a message, most replies within the hour.

Ask a question →

Does getting a quote affect my credit score?
No. A formal credit enquiry only occurs when we submit a formal application, which only happens after you’ve reviewed the options and decided to proceed. Our initial assessment is a soft enquiry only and does not affect your credit score.
 
It depends on the loan type and lender. Vehicle and equipment finance: typically 24–72 hours from enquiry to approval. Home loans: pre-approval in 24–72 hours, full approval and settlement typically 3–6 weeks. Business loans: fintech unsecured 24–72 hours, secured 2–4 weeks. We tell you specific timelines before you commit.
Tell us; we’ll either match it or explain why our recommendation is genuinely better on a total-cost or flexibility basis. We have no interest in you taking a worse deal. If you genuinely find something better and we can’t match it, we’ll tell you honestly and wish you well.
 
If a lender declines, we know why and we know which lender to approach next. A decline from one lender is not the end; it’s information that helps us find a better match. We stay with you through the process and give you honest advice about realistic pathways at every stage.
 
No. Most clients never visit an office; everything is handled by phone, email, and digital document signing. We have offices in Werribee and Scoresby if you prefer a face-to-face meeting, but it’s entirely optional. The entire process can be completed remotely.
 
Yes. When you contact Uniko Capital, you deal with Vishal; not a junior broker, not an admin assistant, not an offshore team. He manages your file personally from the first conversation to settlement. That’s a deliberate choice, not a coincidence.
 

Ready to get

started?

Call or fill in the form, we’ll have a response within the hour.

The whole thing takes five minutes to kick off.

Out believe has request not how comfort evident. Up delight cousins we feeling minutes genius.

Company

Business Hours

Return Policy

Terms and Conditions

Privacy Policy

About Us

About Us

Copyright Notice

Payment Methods

Information

Work Hours

Terms and Conditions

Business Hours

Copyright Notice

About Us

Contact Info

© 2026 Uniko Capital Pty Ltd. All rights reserved.