Raina Doshi

About Raina Doshi

Raina Doshi is the Founder & Managing Director of VIR Advisory and an experienced Mortgage Broker with over 15 years in the financial services industry. Based in Melbourne and operating nationwide, Raina specialises in home loans, investment lending, construction finance, and refinancing solutions.

Known for her client‑first, ethical approach, Raina believes finance should be personal, clear, and empowering. She works closely with clients to understand their goals and provides tailored lending strategies from a wide panel of Australian banks and lenders. From first‑home buyers to property investors and business owners, Raina is committed to making the finance journey seamless, strategic, and stress‑free.

Why Work With Me:
Choosing the right mortgage broker can make all the difference — not just in securing a loan, but in building long‑term financial confidence. When you work with me, you’re choosing more than a transaction; you’re choosing a trusted partner in your property journey.

✔ Finance That’s Personal, Not Transactional
I take the time to truly understand you — your goals, your circumstances, and your future plans. Every recommendation is tailored, transparent, and designed to support your broader financial picture, not just today’s purchase.

✔ Over 15 Years of Industry Experience
With more than 15 years in the financial services industry, I bring deep technical knowledge, lender insight, and real‑world experience to every client interaction. I know how to navigate lender policies, structure loans strategically, and anticipate challenges before they arise.

✔ Access to a Wide Range of Lenders
I work with a broad panel of major banks, second-tier lenders, and specialist non‑bank lenders across Australia, giving you access to more options, greater flexibility, and competitive loan solutions — without being tied to any one institution.

✔ Clear, Ethical, and Strategic Advice
Finance can be confusing and overwhelming — my role is to simplify it. I provide clear explanations, honest guidance, and ethical advice, so you always understand your options and feel empowered to make informed decisions.

✔ Support at Every Step
From assessing borrowing capacity and securing pre‑approval, through to settlement and beyond, I guide you through the entire process. You’ll never be left wondering what comes next — I’m with you at every stage.

✔ Flexible, Client‑First Service
Life doesn’t fit neatly into business hours — and neither should finance. I offer appointments outside standard hours, including weekends and public holidays by arrangement, making the process convenient and stress‑free.

✔ Australia‑Wide Support, Melbourne‑Based
While I’m proudly based in Melbourne, I work with clients nationwide, helping first‑home buyers, investors, and business owners secure finance solutions wherever they are.

At VIR Advisory, the goal is simple: to make finance accessible, empowering, and aligned with your long‑term success.

If you’re looking for a broker who combines expertise, empathy, and strategic thinking — you’re in the right place.