Kiran Saldanha

About Kiran Saldanha

Borrower First puts you first. That is why we hold our own Australian Credit Licence and NSW Real Estate Licence, giving us the independence to protect your interests and provide advice focused on your outcome — not the bank’s.

Our ideal clients typically pay off their home loan in less than half the term and save around 50% of the interest they may otherwise have paid without a clear Personal Finance Strategy. With over 20 years of experience, including 10 years as a Financial Planner, Kiran understands how powerful the right lending, property and financial decisions can be in helping clients build wealth and secure an earlier, better retirement.

We do not simply compare rates and submit loan applications. Kiran works more like a borrower’s agent, representing the client’s interests rather than the bank’s. At Borrower First, the focus is not just on getting a loan approved. It is about helping clients understand their options, avoid costly mistakes, and make confident decisions that align with their life goals.

Whether buying a first home, refinancing, investing, upgrading, consolidating debt or planning for the future, Kiran takes the time to understand the full picture before recommending a strategy.

Borrower First offers a Personal Finance Strategy for clients who want more than a loan. It is ideal for people who value their time, attention and relationships, and who want to move from financial stress and scarcity toward clarity, confidence and abundance.

Kiran’s approach is direct, practical and deeply client-focused. His mission is to journey with clients as they grow, release the handbrake holding them back, and take greater control of their financial future, without unnecessary stress, confusion or pressure.