Vishal Gupta

Unique Finance Services OUR HISTORY

Unique Finance Services was established in 2011. The company was initially a start-up with our Director and Founder, Mr Vishal Gupta, at the forefront, and the team gradually grew to what it is today. From the early days our team has had a clear service proposition in mind, which is to look after our clients exceptionally well and in a way that is unique to each client. The company has successfully been able to grow and withstand challenges throughout the years due to us staying focused on what we do really well.

If you are looking to partner with a lifelong specialist in mortgage advisory, then you have certainly come to the right place. We are a well-awarded establishment throughout the years as industry leaders, and well-known among our associates and peers in the finance industry. Our strengths lies in extensive finance knowledge and expertise, our out of the box approach and solution delivery, our compassion and outlook on how to best assist our clients’ financial needs now and in the future.

We offer a wide range of services and specialist services, which you may not be able to find within the finance and lending space. Services like home and investment loans, business loans, land and construction loans, refinance, vehicle and equipment finance. We also offer specialist services and advice for clients looking for self-managed super fund (SMSF) lending, franchise lending, to mention a few. Take a look at our full list of services to explore our capabilities in looking after your finance needs.

Our clients’ testimonials and reviews set us apart from the crowd and re-assure you that you are in safe hands, when you reach out for our services.

It is not only the extraordinary services we have provided to the community all these years that has earned us a progressively impressive reputation for delivering exceptional results, but our ability to deliver a proven track record of highly satisfied clients year on year with a referral base based on trust.

Mortgage Broker

Our Mission

Our mission is to provide impeccable mortgage advisory services to clients and the community at large in Australia. It is our passion and goal to assist clients to fulfil their financial goals and our task is to deliver to the client immaculately each time. Our vast specialist and comprehensive finance experience provides us with a competitive advantage, which sets us apart from the rest of the crowd. The most crucial building blocks which form our values and philosophy are honesty, genuine effort, professionalism, and inclusion.

Our Vision

Our vision is to be a market leader in the mortgage advisory industry today and in the years to come.


Home Loans


Mr Vishal Gupta is our Director and Founder. Vishal has decades of finance, credit, risk, and mortgage advisory experience. The experience is backed up with a Master’s Degree in Business Administration with major in Finance, a Bachelor’s degree in Banking & Accounting, as well as a Diploma in Mortgage Broking & Finance.

Vishal’s career spans over 20 years in finance and banking in Australia, in particular mortgages, credit assessment, risk management, business banking, mortgage securitisation, and business advisory, commercial and development funding, and highly specialised in franchise, medical and agro funding.

Awarded by the industry throughout the years for excellence and as an elite professional, regarded as an industry leader and elite business operator, as featured frequently in the industry reporting media like the Mortgage Professional Australia (MPA), The Adviser, The Finance Brokers Association of Australia (FBAA) etc.

Investment Loans


Ms Tien Gupta is our Business Operations Lead for all business operations, compliance, human resources & talent engagement, contract management, marketing and advertising, relationship management.

Tien’s career and background for over a decade within supply chain operations, has been invaluable to our team, as the transferrable skillset is unique to our team on how to efficiently manage the operations of our organisation. The value Tien adds to ensuring the team and the business is running effectively and streamlined is crucial with continuous business process improvement in mind.

The experience is backed up with a Master’s degree in Marketing, Bachelor’s degree in Business.

Business Loans

Nirja Bhatt

Ms Nirja Bhatt is our Receptionist and looks after our busy office, keeping it running smoothly, and ensures all visitors are looked after with a warm huge and friendly smile.

Nirja’s career in office administration spans over a decade of delivering excellence in client service and with her compassionate personality, everyone feels at ease making her a crucial team member.

Nirja proudly holds a Bachelor’s Degree of Science, and Diploma in system Management.

Land Loans

Riwaz Manandhar
Finance & Accounting Support

Mr Riwaz Manandhar is an essential team member, looking after the support of all finance and accounting administration in our office.

Riwaz is a young aspiring professional with a “can do attitude”, as his goal is to service our clients with the highest level of client satisfaction.

His experience is backed up with a Master’s Degree of Accounting, a Bachelor’s Degree of Administration, and a membership with CPA Australia.

Construction Loans

Dhara Gor
Finance Executive

Ms Dhara Gor is our Finance Executive with years of mortgage broking experience. Dhara brings with her a wealth of end to end knowledge on residential, commercial, non-conforming lending, franchise funding, and asset finance lending.

Dhara’s career has seen her in the mortgage broking industry both here in Australia, having worked for other large mortgage franchises like Yellow Brick Road, and overseas in the US. She is an exceptionally good listener with attention to detail, which makes her an invaluable part of the team servicing our clients.

The experience is backed up with a Diploma in Mortgage Broking & Finance, a Bachelor’s Degree in Science, and Dhara is also a Justice of the Peace, NSW.

Franchise Loans

Gurdil Singh
Mortgage Broker Support

Mr Gurdil Singh is an integral part of our mortgage broker support team. Gurdil has an easy-going nature and with good humour, he is able to put everyone at ease. Gurdil is enthusiastic and passionate about client service, and brings working knowledge and experience on the end-to-end mortgage application process of residential home and investments, land and construction, refinance and loan re-structures, First Home Owner’s Grant.

Gurdil’s career has seen him in the mortgage broking industry in the past many years and prior to that he was in the IT industry for a good 4 years. Gurdil’s ability to break the ice with a good laugh, both among our clients and his colleagues, makes him a vital member in our team when servicing our clients.

The experience is backed up with a Certificate IV in Finance & Mortgage Broking, and a Bachelor’s degree of Information Technology.

Bad Credit Rating

Hetal Patel
Mortgage Broker Support

Ms Hetal Patel is a mortgage broker and part of our mortgage broker support team. Hetal’s outstanding customer service skills set her apart from the usual service delivery in the industry, and she brings with her crucial knowledge on the end-to-end mortgage application process of residential home and investments, land and construction, refinance and loan re-structures, and non-conforming lending.

Hetal’s career has seen her in the mortgage broking industry and accounting industry for a combined 20 years both here in Australia and overseas. She is an exceptionally good listener with attention to detail, which makes her an invaluable part of the team servicing our clients. Hetal will always go the extra mile for her clients to achieve the desired outcome and in the best interest of the clients.

The experience is backed up with a Diploma in Mortgage Broking & Finance, a Master’s Degree in Accounting, and a Bachelor’s Degree in Commerce.

Solictor Services

Farazdak Nasrulla
Digital Marketing Specialist

Mr Farazdak Nasrulla is our Digital Marketing Specialist, a high impact internet marketer with over 14 years of experience in the field of Digital Marketing. Farazdak is a specialist in Google AdWords, Facebook, LinkedIn, Twitter, Instagram, and is the powerhouse of our digital engagement with our valuable clients.

The experience is backed up with a Post Graduate Diploma in Business Administration Major in Marketing, a Bachelor’s Degree in Computer Science, highly certified in Google Certifications: Google Ads Search Certification, Google Ads Display Certification, Google Ads Video Certification, Google My Business Basics, Advanced Google Analytics, Certified Google Partner.

Our Featured Stories

Self Managed Super Fund Loans

Vishal Gupta: the pandemic has brought massive growth by Kate McIntyre | 02 Sep 2020 | MPA Magazine

The founder and sole director of Unique Finance Services has seen an impressive increase in volume over the last six months, adding to his already sound reputation as the fourth highest ranking broker in last year’s Top 100.

Read more


FBAA award winners cross age barriers

by FBAA Staff | Dec 5, 2016 | Media

Industry veterans and rising stars of the broking industry were honoured at the Finance Brokers Association of Australia (FBAA) Industry Awards held during a glittering Gala Dinner at Movie World last week.

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Cash Flow Lending

Broker Profile: Vishal Gupta, Unique Finance Services

by Francesca Krakue | 07 Mar 2016 | TheAdviser

Developing your own CRM platform is no easy feat but after attending The Adviser’s Better Business Summit last year, Vishal Gupta got the boost of confidence he needed to go ahead and transform his business.

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