Our Six Core Values
Courage
We face the hard truths early—capacity, conduct, constraints—and make the call that serves your future, not our comfort.
We’ll tell you what’s possible now, what needs work and how to bridge the gap. No sugar-coating, no false hope—just a plan.
Discipline
Process over impulse; evidence over anecdotes.
We run a lender-style workflow: precise document checklists, evidence income that reconcile to source, and decision notes a credit officer can follow without guessing.
Perseverance
We keep rowing when the wind dies.
If policy blocks Plan A, we engineer B and C: alternative structures, entity strategies, staged approaches, retention pricing—whatever it takes within responsible lending.
Wisdom
Choose the structure you’ll be proud of in five years, not the one that feels easy today.
We weigh trade-offs (OO/INV, IO/PI, trust/company, fixed/variable), model outcomes and explain them in plain English so you can decide with confidence.
Honour
We act like our name is on your loan.
Transparent lender fees, transparent rationale. If a lender or structure isn’t right for you, we say so and document why.
Unity
Family first, team aligned, lenders respected—everyone rows in rhythm.
We coordinate you, your accountant, your conveyancer and the lender with tight comms and clear accountability so settlements land cleanly.
How We Work
A craft, not a conveyor belt. Precise, human, permanent care.
1) A 15-Minute Start, Built Around You
We listen first—goal, timing, constraints. Then we set the plan and confirm your timeframe (same-day, next-day).
2) Evidence Pack (Handled In-House, Securely)
You upload to our secure portal. We label, reconcile, and lender-check every document. We don’t outsource—your information stays with us.
3) Borrowing Capacity Answer
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PAYG & Simple Self-Employed: Same day (docs in by 10am).
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Complex Self-Employed & Portfolio Builders: Next day (complete pack by 10am).
You’ll see the “how much”, the “why”, and the assumptions in plain English.
4) Structure That Fits (and Scales)
We design the loan like a proper build: OO/INV, IO/PI, trusts/companies, offsets, and buffers. Trade-offs are shown side-by-side so you can choose with confidence.
5) Price & Terms (Within 48 Hours of a Complete Pack)
Shortlist, target rates, fees, and conditions—decision-ready, not marketing fluff. If an outcome isn’t right, we push back. We’d rather be briefly slower than quietly worse.
6) Lodge & Track, Without You Chasing
Fast valuations, conditions, and a simple Settlement-Ready update so you know exactly where you stand.
7) Permanent Care (Not “Set and Forget”)
Annual reviews, life-event check-ins, and proactive repricing. If better pricing is available, we ask before you need to.
VIKTOR DESOVSKI
Co-Founder
viktor.desovski@vikingloans.com.au
0400 050 525
I didn’t follow the rules. I rewrote them.
As a first-generation Australian with nothing handed to me, I know what it means to be the underdog—to fight harder, think sharper, and rise when everything says you shouldn't. That’s why I built Viking Home Loans. For the battlers, the builders, the self-starters, and the families carving out a better future.
I specialise in strategic lending—residential, investment, low-doc, SMSF, commercial, construction, private lending. I’ve seen it all and solved what others said was too hard. I speak in plain terms, not technical spin. Every recommendation I make is grounded in your reality—not someone else’s template.
Why clients choose me:
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I give clear, reliable advice you can act on
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I know how to navigate even the trickiest loan scenarios
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I find solutions where others give up
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I listen like family, fight like it’s my own, and never forget why it matters
I’ve helped people from all walks of life step into ownership, build wealth, and rewrite their story. Now it’s your turn.
Let’s chart your course—together.
Our Team
Meet our team members
About us
Who we are
Viking Home Loans is a broker built for the underdog—any-generation Australians, busy parents, professionals and portfolio builders who value clarity, speed and discipline. We combine clean numbers, plain English and automation to win you a better structure and a sharper rate—without the theatre.
We don’t sell mystique. We do the basics perfectly, present lender-ready files and negotiate like it matters—because for families, it does.