I recently had the pleasure of working with John Kalla at Encorp Group while securing financing for our new home, and I cannot recommend them highly enough! From the very beginning, John was incredibly knowledgeable, professional, and attentive to our needs. They took the time to understand our financial situation and provided us with a range of financing options that suited our budget and goals. What impressed me the most was their ability to explain complex mortgage terms in a way that was easy to understand, making the entire process much less daunting. Throughout the application process, John and his lovely wife Ruth were always available to answer our questions and provide updates, ensuring we felt supported every step of the way. Their dedication to finding us the best possible rates and terms truly made a difference. Thanks to John & Ruth's expertise and hard work, we were able to secure a fantastic mortgage that allowed us to purchase our dream home. If you're looking for a reliable and knowledgeable mortgage broker, look no further than John. Highly recommended!

John Kalla possesses an in-depth understanding of the local real estate market. They provided valuable insights into neighborhoods, property values, and market trends, which helped me make informed decisions. I felt confident in their guidance every step of the way. What truly sets John apart is his personalized approach. They took the time to understand my needs and preferences, ensuring that the properties we viewed aligned with my vision. I never felt rushed or pressured; instead, John was patient and supportive, making the experience enjoyable.

I was recommended John and Ruth by my partner, who bought her apartment in Melbourne with their help. It was very nice that whenever I called them, they called by back right away, gave prompt feedback, and were generally knowledgeable about the issues that need to be resolved. They also go the extra mile to make things happen, which is great. So therefore I can recommend them!

Very professional and very quick in doing things. They were very helpful in understanding our needs and very easily approachable. Thanks so much for your support.

Since day 1 John and His colleagues Ruth have been really professional and courteous. We have had a very smooth transition throughout the loan process. Highly recommend to use his services.

I think John provides a lot of options and understands what their client wants. He helped me and together with Ruth he kept me in the loop all the time.

I would like to acknowledge the exceptional service and personal attention I received from John Kalla during the entire refinancing process. His knowledge of the local and national market and his commitment in finding me the best rate is impressive. John's exemplary professionalism and knowledge of the industry is truly incredible. He kept me advised every step of the refinancing process, explaining the reason for every obscure document requested by the bank. The best part is John explaining difficult financial terms in easy-to-understand language made me very comfortable. He was always honest and there to reassure me that I was on the right path and things would work out and was able to secure me a lower interest rate than expected. I highly recommend John and his company Encorp Finance to my friends and all my associates. I have made another friend for life! Thanks John Kalla..

John and his team arranged our mortgage refinance. His service is highly professional and proactive in updating our loan process.

Being a new business owner with no 2 years of business Tax return summaries, it was a little disaster for any bank to help me and my wife. Nevertheless, when John got into the picture, he helped us instantly within a short period of time and make the impossible possible. We are now the most happiest and proud owners of our first property in Australia. Thank you once again John for your tremendous help. God bless !

John is a professional and experienced mortgage broker. He helped me in my journey of acquiring my first home, and has always been available when I needed clarifications or had questions during the process. He also helped me in refinancing my mortgage. I highly recommend his service.

Thanks John for a great service with my home loan. You have a wealth of knowledge and expertise in this area. You explained all the pros and cons of all the options that were available to me which made my decision making easier. You were quite efficient with your work. Got my loan passed sooner than I expected. Thanks so much John. Wish you all the best in all your endeavours.

We sought John & Ruth Kalla's assistance to refinance our home loan and they were absolutely amazing. They provided us extensive options and updated us at every step in the process. Overall smooth sailing experience. They are informative, professional, quick in replying and getting things done. I highly recommend them to anyone looking for financing their dreams. Thank you guys.