Vish Enterprises was established in 2014 as broking and finance consulting company by Rakesh Raizada having over 20 years’ experience in banking and finance industry in senior positions in Australia besides overseas experience in the same field. With his rich experience and equally diversified qualifications, Rakesh through Vish Enterprises is committed to providing outstanding service to make “all your finance related dreams come true” whether it is personal or business-related.
Accredited with over 25 financial institutions big and small he can offer a wide range of products and services to PAYG, Self Employed and Corporate including SMSF clients equally. Vish Enterprises is committed to providing the most cost-effective, competitive and hassle-free lending services for home loans, investment loans, asset finance, business and commercial loans with no costs to the clients. Has arrangements with other related financial services like risk protection, insurance etc. to be “one-stop-shop for all your finance related needs”.
Rakesh can assist not only those who have an excellent credit history but to those as well whose credit ratings have been adversely effected for some reasons. Rakesh has established himself as one of the most trusted and experienced person in the industry and is able to provide a wide range of services and choices taking in to account the personal preferences and circumstances of the clients
Is it better to use a broker or a bank?
Broker - as he has the ability to compare from a range of financial institutions to find the best and most cost effective solution where as banks can only sell their own products.
How can I avoid paying LMI?
Normally LMI is charged when you borrow more than 80% LVR. Some banks can waive LMI up to 85% LVR. Eligible first home borrowers who are citizens can also avail the benefit of Home Deposit Scheme of the government.
How much money do I need to buy a house?
A. Most of the banks can lend up to 95% of the property value. But if you borrow more than 80% you are required to pay LMI also. So simple answer is that if you borrow up to 80% then your contribution will be 20% plus stamp duty plus conveyancing and title registering charges and bank fees if any. In case you borrow more than 80% then though your contribution will reduce but LMI will kick in which some banks can add to the loan but some may ask you to pay for it.
Do I have to pay you any fees for your services?
A. Some brokers do charge but I don’t charge any fees from my clients as I get commission directly from the bank/financial institution. However if you come to me and get all the hard work done but don’t proceed or if the loan you got through me is repaid/refinanced within 2 years then I will have to return back the commission to the financial institution/bank so in that case you may have to compensate/reimburse me.
How can I know that there are no hidden charges when bank/financial institutions offer very competitive rates?
A. Always ask for comparison rate. If the difference between rate offered and comparison rate if is low the hidden charges are also low or negligible and wider the difference then there are some hidden costs.
Rate us and Write a Review
June, 2025
Friday
-
2:30 pm - 3:00 pm
-
3:00 pm - 3:30 pm
-
3:30 pm - 4:00 pm
-
4:00 pm - 4:30 pm
-
4:30 pm - 5:00 pm
-
5:00 pm - 5:30 pm
-
5:30 pm - 6:00 pm
-
6:00 pm - 6:30 pm
-
6:30 pm - 7:00 pm
-
7:00 pm - 7:30 pm
-
7:30 pm - 8:00 pm
-
8:00 pm - 8:30 pm
-
8:30 pm - 9:00 pm
-
9:00 pm - 9:30 pm
-
9:30 pm - 10:00 pm
-
10:00 pm - 10:30 pm
-
10:30 pm - 11:00 pm
-
11:00 pm - 11:30 pm
-
11:30 pm - 12:00 am
August 26,2019
- Tuesday
- 9:00am - 10:00am
Awesome Job!
We have received your appointment and will send you a confirmation to your provided email upon approval.
- Monday24 hours open
- Tuesday24 hours open
- Wednesday24 hours open
- Thursday24 hours open
- Friday24 hours open
- Saturday24 hours open
- Sunday24 hours open
