GB Financiials
In recognition of her work, Niti received a commendation at the 2024 Multicultural Awards for Excellence (MAE) for her contributions to financial literacy and business. Niti’s journey is one of resilience, adaptability, and a deep commitment to her community—qualities that continue to shape her path and drive her work.
Turning challenges into opportunities
Arriving in Australia as a migrant meant starting from scratch in an industry where trust and relationships are everything. Without an established network, Niti faced the challenge of proving herself in a highly competitive market.
"Building credibility in a new country was one of my biggest hurdles. I invested time in understanding the local market, joined community groups, and connected with industry professionals. Over time, I built strong relationships and a reputation for being knowledgeable, approachable, and dependable."
Balancing parenthood and a busy career are central to Niti’s life. By mastering time management and leaning on support, she ensured both her clients and kids got the attention they needed.
"Success in both business and family life comes down to structure, support, and setting boundaries. Prioritising what truly matters and outsourcing non-essential tasks has helped me maintain a healthy balance."
Niti also had to keepup with ever-changing regulations and market trends as part of her profession. Committed to staying informed, she embraced continuous learning, attended industry seminars, and adopted new technologies to better serve her clients.
Niti's experiences have shaped her into a more resilient and resourceful leader, dedicated to making a difference in the lives of others.
A business shaped by culture & community
Niti’s cultural background has been a driving force in shaping GB Financiials. Coming from a culture that deeply values relationships and trust, she has embedded these principles into her business.
Understanding the unique challenges faced by migrants navigating unfamiliar financial systems, she has made it her mission to educate and guide clients through the mortgage process. Her culturally informed approach has set her apart, allowing her to connect deeply with her clients and provide tailored solutions that meet their needs.
"My cultural background has taught me perseverance, adaptability, and empathy—qualities that have been essential in building strong connections with my clients and making a real impact in their lives."
Advice for aspiring entrepreneurs from multicultural backgrounds
For those from multicultural backgrounds looking to achieve success, Niti shares her key lessons:
- Embrace Your Unique Perspective – Your cultural background is a strength that allows you to connect with diverse clients and bring fresh insights to your industry.
- Commit to Continuous Learning – Stay updated on industry trends and invest in personal and professional growth. Knowledge builds confidence and credibility.
- Build a Strong Support Network – Surround yourself with mentors, peers, and supporters who understand your journey and can guide you.
- Stay Resilient and Adaptable – Challenges will arise, but perseverance and openness to change will help you overcome them.
- Prioritise Time Management – Organise your schedule to balance professional and personal responsibilities without compromising quality.
- Give Back to Your Community – Helping others succeed builds a strong network and creates a lasting impact.
Success is a journey, and for Niti, her multicultural background has been an asset that has enriched both her personal and professional life.
Making an impact
GB Financiials is more than just a mortgage broking business—it’s a platform for financial education and empowerment. Through her work, Niti has helped countless migrant families achieve financial stability and homeownership, proving that with hard work and determination, anything is possible.
About GB Financiials
Niti Bhargava, founder and principal broker of GB Financiials, brings over 15 years of financial expertise, helping families achieve financial freedom. Alongside her husband Varun, they’ve built a trusted business that focuses on helping individuals and families navigate the mortgage process with confidence.
Discover how the Multicultural Awards for Excellence celebrate individuals making a real impact in Victoria. Learn more: https://www.multiculturalcommission.vic.gov.au/multicultural-awards-for-excellence