Our Vision

Our vision is to be a reliable partner in our client's financial journey, building long-lasting relationships based on trust and mutual respect.

Our Vision

Our vision is to be a reliable partner in our client's financial journey, building long-lasting relationships based on trust and mutual respect.

Our Mission

At Loan Concern, we strive to help people achieve their financial goals by offering personalized mortgage advice and the best possible experience.

Our Values


We are committed to conducting our business with the utmost honesty and integrity. We believe in transparency and will always provide our clients with accurate information and good service.

Client-Centered Approach

We prioritize our client's needs and interests above all else. Our team is dedicated to providing personalized service and tailored mortgage solutions that meet our client's unique needs.


We understand that the mortgage process can be complex and time-consuming. We try to make the process as efficient as possible for our clients by streamlining the application and approval process.


We believe in staying ahead of the curve and continuously innovating to improve our services. We leverage technology to provide our clients with a seamless and convenient experience.


We take full responsibility for our actions and decisions. We are committed to providing our clients with a high level of service and will do everything in our power to ensure their satisfaction.


Our team of mortgage brokers has extensive knowledge and expertise in the mortgage industry. We stay up-to-date on industry trends and regulations to provide our clients with the most relevant and accurate information.


Sanjay Niroula

-Director & Principal Mortgage Broker

Sanjay is a passionate mortgage broker who is committed to helping his clients find a loan that meets both their short and long-term financial objectives.

With a wealth of knowledge and experience in finance, accounting and taxation, Sanjay brings in-depth lending expertise on end-to-end mortgage applications, refinance and loan re-structures of all types of home, investment or commercial loans.

Sanjay’s strong cooperative working relationships with all lenders and his experience in client relationship management sets him apart from the usual service delivery in the industry.

He has a unique ability to negotiate a loan considering the best interest duties and related obligations, especially in complex situations, whilst achieving outstanding results for his clients.

Equipped with Bachelor’s degree in Accounting and Cert IV in Finance & Mortgage Broking, Sanjay is a full member of the Finance Brokers Association of Australia (FBAA).

With potential home buyers already facing the additional complexity of increasing interest rates and inflation levels at a 30-year high, having a qualified mortgage adviser can make all the difference.

Sanjay is based in Melbourne but serves borrowers all over Australia.


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Online Calculators

Try our range of calculators to know your borrowing capacity, home loan repayments, stamp duty, savings targets and many more.

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Loan Repayment

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Stamp Duty

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