I've been dealing with vutha since Feb 2023 and visited him at his house numberous time. He's refinanced my SMSF loan, saving me more than 1k of interest per month. He just helped reduced my ANZ loans by close to .15%, even when ANZ branch and call centre cannot reduce the rate. It's his trade secret. He's very knowledgable and experienced. He'll be a top broker in Australia shortly. He has helped reduce interest cost for my properties in Morwell, Longwarry, Melton and Noble Park. I'm very happy with his service and highly recommend it.