FinKonsel is about solutions arrived at by understanding client needs and working with customers

VIVEK Perti from FinKonsel started his journey in 1991 as an auditor. The analytical skills helped Vivek obtain the P.G. Diploma in Business Management (MBA) and work with senior management in leading organisa­tions like TATA Steel and SITA World Travel. Subsequent to migrating to Australia in 2004, Vivek acquired CPA status. As a student of the franchising program at Griffith Univer­sity he realised that the key to success for small businesses is cash flow and their need for a good finance specialist. The desire to help others and use accounting knowledge motivated him to acquire the Diploma of Fi­nance and Mortgage Broking.

As a mortgage broker with accounting skills, Vivek goes beyond the numbers to provide long term solutions for my clients. Like in­dividuals, every scenario is different and the FinKonsel team strives to provide a cus­tomised solution.

Loans are more than the all important inter­est rate. Advertised interest rates do not re­flect the effective rates. In a July 2017 research conducted on major lenders adver­tising the same rate, Vivek found that over the life of the loan, selection of the right product could shave years off the mortgage. Results were shared on the FinKonsel-Mort­gage Brokers Facebook page. We educate clients with product comparisons that assist them decide better and look beyond adver­tisements.

We encourage clients to record their daily expenses for a few months before applying. This helps understand commitments and identify wasteful expenses that can be elimi­nated. Vivek has learned this discipline delinks the pressure brought by emotions of buying the first home, save more and assist identify the suitable loan at an appropriate LVR.

People believe the strength of businesses lie in its financials. Business owners know they have a story that extends beyond numbers. We use accounting and non financial skills to understand the story and work with clients to select the right product. Recently, Vivek as­sisted a client refinance commercial and business loan to a lender who provided 24 year loan with no annual review. In another scenario, he helped a business obtain a sim­ple unsecured loan for 1 month to meet short term commitments.
At FinKonsel we enhance customer experi­ence through education while providing cus­tomised financial solutions.

Vivek Perti is a Credit Representative 473246 is authorised under Australian Credit Licence 389328.

Disclaimer statement: Your full financial situation will need to be reviewed prior to ac­ceptance of any offer or product.
For more information on FinKonsel please contact Vivek Perti on 0415 675 780 or refer to advert on page 15. Follow on Facebook https://www.facebook.com/FinKonselBrokers/