Finnciti is a Sydney based premium lending advisory and boutique firm specialising in lending solutions.  

We believe in building customer value by offering bespoke solutions to cater individual needs and building long term relationships. We partner with you to offer simplified solutions and building a seamless customer journey. 

We listen carefully and then prepare a plan to deliver results. We are committed to working with you in close collaboration while using our industry intelligence, and experience. 

We act as your portfolio advisors, guiding you through every step of your lending journey. The relationship doesn’t end at settlement, we regularly review your portfolio to ensure you are not paying more than you need to.

Meet The Team


Vibhu Tandon

Director, Finnciti

Vibhu has over 21 years of experience in Banking and Finance. He brings a wide range of financial learnings to his clients, having worked with diverse individuals and businesses.

Vibhu is an Ex-banker and has a wealth of lending knowledge having worked with major banks like Westpac, Nab and Citibank.

Passionate to help customers by adopting a holistic and proactive approach, Vibhu’s in-depth knowledge has not only ingrained a distinct cutting edge when negotiating on behalf of his clients, but also allows him to gain true perspective for them when developing and executing a strategy to help them achieve their financial aspirations.

Feel free to glean his thoughts about your lending needs by reaching out to him at

With almost 2 decades of finance and banking experience, Chris brings a high level of energy, dedication and integrity to his work.

Having worked with the top tier banks in the country, he  possesses superior levels of skill in dealing with complex problems, customising it and delivering solutions to his clients. 

A great believer that customers make the biggest difference in any business, his customer service ethics is second to none. He is relentlessly focussed and passionate towards helping his customers secure the best financial outcomes, thereby assisting them achieve their financial goals.

Chris has a strong lending background and is very well equipped in dealing with complex residential mortgages, business finance, asset finance and Self-Managed Super lending solutions.

Feel free to discover a world of lending opportunities by reaching out to him at

Chris Mascarenhas

Director, Finnciti

Why Us

Experienced and Qualified: With over 20 years of experience in the finance and banking industry, we strongly believe that our accumulated skills and qualifications would enable us to deliver you the best results and solutions based on your requirements.

Approach:  With our personalised approach to attaining the best solutions for your inquiries, we as solution providers are always on your side, guiding you comprehensively throughout the process while ensuring that we fulfill all your financial demands.

Solutions for Everyone: Working with single institutions, we could only provide limited options, but now with our wide range of networks and partnerships, we can effectively browse through a variety of loan options and offer them at competitive rates suitable to your needs.

Our Model of Working

We keep our customer’s needs in the centre and then execute our values in the overall process to deliver the best customer experience and quicker solution.

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