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Ideal Business Loans
and Home Loans

We help you achieve your home ownership dreams without the stress

Our Services

  • Home & Property Loans

    Owner-occupied

    First-home buyers

    Investment loans

    Residential, commercial & bridging loans

  • Refinancing

    Lower your rate

    Access more suitable loan products

  • Commercial & Business Finance

    Short-term & long-term loans

    Business loans & lines of credit

  • Asset Finance

    Cars

    Equipment & machinery

  • Personal Loans Insurance Referrals

    Building

    Health

    Life, trauma & income protection

About Us

Based in Clayton, Melbourne, I support clients across all Australian states and offerface-to-face appointments in: Clayton, Notting Hill, Monash University, Mt Waverley, Mulgrave, Bentleigh East, Malvern East, Caulfield East, Glen Iris and Burwood.

I am a qualified mobile mortgage broker accredited with the Mortgage & Finance Association of Australia (MFAA) for residential lending and with the Commercial and Asset Finance Brokers Association (CAFBA) for commercial lending.

Obligation Free Service

Diploma in Mortgage
and Finance
Education MBA from Swinburne University of Technology

Why Choose SV Mortgage & Finance.

I act as your single point of contact from start to finish, delivering friendly, consistent and efficient service so your loMy goal: Smooth, timely settlement and an exceptional customer experience.an settles smoothly aMy goal: Smooth, timely settlement and an exceptional customer experience.nd on time.

Personalised, end-to-end loan service:

My goal: Smooth, timely settlement and an exceptional customer experience.

Over 70 Lenders

Our Process

1

Initial Consultation & Needs Analysis

Understand customer goals Review financial situation Identify loan type and borrowing strategy

2

Borrowing Capacity Assessment

Calculate borrowing power Analyse income, expenses, credit and financial documents Provide indicative loan options

3

Lender & Product Comparison

Compare rates, policies and fees across multiple lenders Select suitable loan products Present a tailored recommendation

4

Application Preparation

Collect required documents Prepare application forms Address policy requirements early to reduce delays

5

Submission to Lender

Lodge the application Liaise with the lender’s credit team Respond to requests for additional documents

6

Approval Stage

Conditional approval issued Address outstanding conditions Obtain formal approval

7

Settlement Coordination

Work with solicitors, conveyancers, and banks Finalise loan contracts Ensure smooth and timely settlement

8

Post-Settlement Support

Confirm settlement success with client Provide loan management guidance Set up offset/redraw features Schedule ongoing annual loan reviews.

Why Choose Us

Customer Testimonials

I couldn’t be more impressed with the service I received from Rao Vutukoor. From start to finish, he was professional, knowledgeable, and genuinely committed to guiding me through the process. What stood out most was his dedication—working well beyond standard hours to ensure everything progressed smoothly. As a first home buyer, I had many questions and uncertainties, but Rao took the time to explain every detail and even answered questions I didn’t know I had. He turned what could have been a stressful experience into something easy and straightforward. It’s clear he truly cares about his clients and consistently goes above and beyond. I highly recommend him to anyone looking for a broker who is not only excellent at what they do, but also genuinely invested in helping you succeed.

Jae Morton

Rao is an experienced and highly knowledgeable broker. His systematic approach, combined with years of expertise, makes the entire process smooth, enjoyable, and stress-free. I highly recommend Aussie Home Loans, and Mr. Rao will definitely add value to your journey if you have the opportunity to work with him.

Erwin D. Costa

Rao handled a complex refinance for me, and I was consistently impressed by how quickly he responded to every communication. He worked hard to secure a loan product with an interest rate far better than the one I previously had. He managed everything in the background, and all I had to do was provide the necessary documents for the mortgage application. Even when I only had time on weekends or late at night to action things, he would immediately acknowledge my emails or texts. I was never left unsure about what was happening, and it genuinely felt like he was working just for me. He knows the tricky ins and outs—and the individual quirks—of each bank’s processes. I’m truly glad I chose him to help me out of mortgage stress.

Darren Hintz

Rao Vutukoor demonstrated exceptional professionalism and expertise, consistently going above and beyond to help us achieve our dream of home ownership. His commitment was evident as he kept us informed at every stage, making the process smooth and reassuring. We deeply appreciate his dedication to getting us into our home.

Tifanny Rivette

Rao is great—nothing is ever too much for him. He will come to your home, explain how refinancing works, deliver all the necessary documents, and guide you through the entire process step by step, always with patience. And if you’re not a computer wizard, Rao is definitely your man. He’ll present several options and help you choose the one that’s best for you. Thank you, Rao, for all your help.
— Chris and Kinga

Chris Wasiak

I am so grateful to Rao for all his help in organizing my mortgage. He was completely committed to assisting me, and it was a pleasure dealing with him. It was so much easier than shopping around myself—he handled all the hard work.

Belinda Kreyzig

Let’s Talk

Contact me today to discuss your home loan, refinancing or business finance needs.
SV Mortgage and Finance Your partner in smart lending solutions





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