Robin Bakshi

About Robin Bakshi

Robin Bakshi is the founder and Principal Mortgage Broker at EZ Mortgage Broker, headquartered in Melbourne. With over a decade of financial services and property lending experience, Robin has settled in excess of $150M in residential mortgages, commercial facilities, and investment loans across Melbourne and Victoria. Specialising in bespoke credit structures—from first home buyer government schemes to self-employed alt-doc finance—Robin provides transparent, multilingual credit guidance fluent in English, Hindi, and Punjabi.

Robin operates as an authorised credit representative (Individual CRN 538521) under Australian Credit Licence 391209 (National Mortgage Brokers Pty Ltd), trading as EZ Mortgage Broker via Mortgage Broker Online Pty Ltd (Corporate CRN 538522). Under the National Consumer Credit Protection Act 2009, he is legally bound by the Best Interests Duty (BID)—a statutory mandate requiring mortgage brokers to act exclusively in the borrower’s best interest at every step of the credit process.

Specialist Lending Disciplines

• First Home Buyer Strategy: Maximising purchasing power and deposit efficiency through the Federal Government’s Home Guarantee Scheme (including the 5% First Home Guarantee [FHBG] and 2% Family Home Guarantee [FHG] with zero Lenders Mortgage Insurance), structured alongside Victorian stamp duty exemptions and concessions across Melbourne growth corridors.
• Mortgage Refinancing & Debt Restructuring: Auditing existing loan portfolios against post-hike market rates to unlock home equity, eliminate uncompetitive bank loyalty taxes, and establish debt-reduction offset accounts.
• Self-Employed & Alt-Doc Lending: Crafting tailored credit submissions for business owners, contractors, and directors utilizing 1-year BAS, accountant declarations, or cash-flow lending policies.
• Property Investment & SMSF Lending: Structuring tax-effective borrowing portfolios, interest-only facilities, and Self-Managed Super Fund (SMSF) residential and commercial property purchases.

Commitment to Consumer Protection & Transparency

At EZ Mortgage Broker, all residential mortgage broking services are provided at zero upfront cost to the borrower. Remuneration is paid via standardized lender commissions upon loan settlement and is disclosed transparently in a formal Credit Proposal document before contract execution.

Borrowers are provided with written preliminary assessments, comprehensive product comparison matrices, and clear disclosures regarding loan features, ongoing fees, and lender turnaround times.