Vishal Gupta reflects on joining MPA's Top 100 Brokers
Experienced broker Vishal Gupta founded Unique Finance Services in 2011 with the purpose of delivering specialist mortgage services.
Since then, the NSW-based company has developed an impressive reputation and a satisfied client base that appreciates Gupta (pictured above) and his team’s professionalism and inclusiveness.
Gupta’s expertise and relationship building over the years have been rewarded with the prestigious recognition that comes from making MPA’s Top 100 Brokers for 2022.
He recently spoke to MPA about differentiating his business from other brokers by striving to do the best for his clients.
Gupta emphasised that during his 20-year career, he has evolved by learning “everything in finance day to day” but has not wavered in his company’s “focus on self-learning to assist the client [and] consistency in our approach to provide the solution to understand clients’ needs”.
He said the team at Unique Finance Services placed much importance on the broker-client relationship and nurturing different market segments. They also paid attention to the clients’ job profile, age or experience to have a deeper understanding of their needs, enabling Unique Finance Services to deliver solutions to specific problems, said Gupta.
One example of a particularly difficult problem was when a client bought at auction a property which they did not know was fire-damaged and uninhabitable although it had land value. This situation made the financing process complicated, but Gupta’s team stepped up to bring a solution.
“We knew that client [had] three months settlement period ... [so we facilitated] the meeting between the vendors, agent, client, their solicitor, and got the permission to repair the property [during] the settlement period,” Gupta said.
The brokerage also fulfilled the insurance requirements and prepared the property for valuation before presenting it to a bank. Due to Unique Finance Services’ assistance, the client received the occupation certificate when the property was completely habitable and even got a higher-than-expected valuation.
Over the past 10 years, Gupta said 50% of his clientele has been self-employed and he has seen growth in lending areas related to aged care, disability care, childcare centres, and import/export businesses. Currently, the growth sectors are SMEs and businesses engaged in artificial intelligence, robotic engineering, and solar panels.
For Gupta and his company, repeat business is the key to sustaining their success, which requires hard work in maintaining client relationships and first-rate services.
“I always have the strong belief that if you have a strong referral network through your existing clients, it will [continue] as long as you’re [providing] consistent service,” he said.
