I'm Amit. After years as an engineer and more than a decade in finance, I started Modi Finance to do mortgages the way they should be done: in plain English, with the hard yards done for you.
I trained as an engineer, so I think in systems, numbers and second-order effects — exactly what a good loan structure needs. Over 12 years in finance I watched too many good people get a flat "computer says no" from a single bank, with no one in their corner to translate the jargon or shop the market.
Modi Finance is my answer to that. I'm based in Perth, WA, and work with clients right across Australia — one honest conversation, 30+ lenders behind it, and a structure built around your actual life, not a bank's product shelf.
From first-home nerves to seventh-property portfolios and the tricky, non-standard files other brokers pass on — that's the work I love.
Master of Business Administration — the commercial lens on structure, risk and strategy.
The analytical foundation — systems thinking applied to how your loan is built.
Formal broking qualification (Diploma level) in finance and mortgage broking management.
Deposit, grants and a plan from saving to keys — minus the overwhelm.
Upgrading, downsizing or relocating — buying power, bridging and the right loan to live in.
Equity, borrowing power and structure to grow a portfolio sensibly.
A quick rate health check and a switch that actually puts money back.
Self-employed, non-resident, tricky files — plus SMSF lending as a specialty.
No jargon walls. You'll always understand the why behind the recommendation.
30+ lenders through AFG — I work for you, not a single bank's targets.
An engineer's eye on how the loan is built, not just the headline rate.
Perth-based, serving clients across Australia, in person or online.
Modi Finance is based in Booragoon, Perth WA. I regularly help home buyers, investors and refinancers in and around Applecross, Myaree, Alfred Cove, Ardross, Mount Pleasant, Bull Creek, Willetton, Melville, Leeming and Murdoch, and in the southern suburbs of Cockburn, Success, Aubin Grove, Wandi, Harrisdale, Piara Waters, Baldivis, Wellard and Rockingham, plus surrounding suburbs. Most of the process happens by phone, email and online, so I can help wherever you are buying.
New to buying? My first home buyer guide is a good place to start, or read how a Perth mortgage broker can help.
One honest conversation — no cost, no pressure, just a clear next step.
Get in touch