About Finance & Mortgage Solutions:
Our Foundation

Learn about our Kaizen-based philosophy and commitment to enhancing your financial freedom through
personalized lending solutions backed by 20+ years of trusted expertise.

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Our Foundation

The ethos of Finance & Mortgage Solutions (FMS) is based on the concept of Kaizen Daily Measurable Improvements. In business management Kaizen is a Japanese tradition which is now used internationally, modified by each culture to best suit their own business environments. A literal translation of the term is "to become good through change". At its most basic the concept of Kaizen is one of restructuring and organising every aspect of a system to ensure it remains at peak efficiency.

Kaizen is founded upon five primary elements:

  • Quality Circles - Groups which meet to discuss quality levels concerning all aspects of a company's running
  • Teamwork - A strong company that pulls together every step of the way
  • Suggestions for Improvement - Feedback from each team member ensures problems are addressed before they become significant
  • Improved Morale - Strong workforce morale is crucial for long-term efficiency and productivity
  • Personal Discipline - Each team member's commitment to personal discipline ensures team strength

20+

Years of Experience

98%

Client Satisfaction Rate

1000+

Successful Loans Processed

Our Mission

The mission of Finance & Mortgage Solutions has always been to work with our clients to build a relation to enhance their financial freedom. We understand you to make it easier so that we can be there for all the changes in your circumstances!

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Transparency & Integrity

We work with the utmost integrity to deliver value and assist you in reaching your goals with complete transparency.

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Holistic Solutions

Our financial solutions are for all types of clients, offering holistic and objective advice with complete focus on client needs.

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Client-Focused Approach

We understand our clients to make it easier so we can be there for all the changes in your circumstances.

Meet our Amazing Team

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Madhu Chaudhuri

Director

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Arnab Ghosh Dastidar

Business Consultant and Operational Head

Frequently Asked Loan Questions

We answer these every day—so here are the basics at a glance.

01What documents do I need to begin?
Most clients start with photo ID, two recent payslips (or two years of tax returns if self-employed), and the last three months of bank statements. We’ll confirm anything extra up-front so there are no surprises.
02How long does approval usually take?
Straightforward applications can receive an approval in principle within 48 hours and unconditional approval in as little as ten business days, depending on the lender and the complexity of your situation.
03Do you charge a brokerage fee?
In most cases our service is paid for by the lender, not by you. If a fee ever applies—such as for complex commercial deals—we’ll disclose it in writing before you commit.
04Can you help if I’m self-employed or on a temporary visa?
Yes. We work with specialist lenders comfortable with alternative income verification and non-resident borrowers, including SMSF structures and visa-holder loans.
05How often should I review my mortgage?
We recommend a health check every 12 months or whenever rates change by 0.25 % or more. A quick review can uncover savings or better loan features.
06Which lenders do you work with?
We’re accredited with more than 40 Australian lenders—including all major banks and a wide range of non-bank specialists—so you get genuine choice and competitive rates.

Start Your Finance Journey Today

Book a free 15-minute call and discover your smartest loan strategy.