Founded in 2016, Credific Finance is a trusted mortgage brokerage firm committed to helping Australians achieve their financial and property goals. With extensive experience and deep industry knowledge, our team of Mortgage Brokers will help in securing the right loan at the right rate, tailored to each client’s individual needs. We’ve built strong relationships with a wide range of lenders across Australia, allowing us to handle all the research and legwork required to find the most suitable lending solution for you. At Credific Finance, our mission is to simplify the mortgage process — from gathering the necessary information and documentation to negotiating directly with lenders on your behalf. Our licensed finance brokers work tirelessly to ensure you receive expert guidance, competitive options, and a seamless experience from start to finish. In a market filled with diverse and complex loan products, having experienced professionals by your side makes all the difference. At Credific Finance, we’re here to help you make confident, informed decisions — and turn your financial goals into reality.
| Services | Banks | Other mortgage Brokers |
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| Access to over 40 lenders with 100's of home loan products |  |
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| Services are free of charge | |
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| Management of the application process from start to finish | |
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| Liaise with your solicitor or conveyancer | |
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| Request a discount on your interest rate every six months | |
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Udit Kothari is the Co-Founder of Credific Finance, where he leads a team committed to delivering strategic and personalised lending solutions that align with clients’ financial objectives. With extensive experience across real estate and mortgage broking, Udit is dedicated to building enduring client relationships founded on integrity, transparency, and measurable results. His professional approach extends beyond providing sound financial advice — he is recognised for his proactive service, attention to detail, and commitment to delivering exceptional client outcomes. Outside of his professional endeavours, Udit enjoys playing badminton, listening to music, and spending time by the beach.
Niti Kothari is a Director at Credific Finance, bringing over 11 years of professional experience in finance and merketing. Holding a Diploma in Finance & Mortgage Broking and an MBA from Macquarie University, Niti combines strong technical expertise with a genuine passion for helping clients achieve their property goals. She thrives on tackling new challenges and enjoys working with a wide range of clients — especially first-home buyers and families upgrading to their next home. Niti’s blend of knowledge, care, and approachability makes her an invaluable part of the Credific Finance team. Outside of work, she loves baking and spending quality time with her kids.
