Mortgage Broker, Hank (Hoa) Hong
Hank (Hoa) Hong has been in the residential and commercial lending industry since 2002. His extensive experience and knowledge allows him to assist with loan approvals in all aspects.
Hank is able to assess all situations and come up with the best scenario possible to obtain approval for each individual’s situation.
He is known in the mortgage industry and has been recognised with awards for his efforts.
Hank specialises in the more challenging loan scenarios, in particular anything to do with:
- Assisting with the basic home purchase for first home buyers and taking them through the process step-by-step.
- Hybrid, Unit, Family / Discretionary and Property Investment Trusts.
- Full time property investors.
- Guarantor loans: assisting with no deposit home loans.
- Applicants currently on a 457 Visa looking for a 90% lend.
- International clientele / non-resident investors.
- Australians living and working overseas.
- Construction and development loans.
- Commercial lending: dealing with medical professionals with all aspects of their portfolio.
- Professional packages with potential LMI waivers for accountants, people in the legal industry, mining, energy and resources with incomes over $150,000.
- No LMI medico packages for general practitioners, hospital-employed doctors; (e.g. intern, resident, registrar, staff specialist), medical specialists, dentists, veterinary practitioners, optometrists and pharmacists to help them get 90% lends on home and investment purchases.
His vast experience in these areas comes from working as a credit officer and relationships manager for the broker network with a leading non-bank lender. This has allowed Hank to work directly with Australia’s two mortgage insurers (Genworth Financial and QBE), which gives him an advantage in helping people who need to borrow over 80% of the property value.
Hank is a seasoned property investor with a burgeoning investment portfolio and is the director of Rockwall Constructions, which performs custom housing design and establishes small developments.
His up to date knowledge of property investment and finance enable him to make sound recommendations to his customers.
Newcomer of the Year Award Winner 2012
In July 2012 Hank was named Australia’s best new mortgage broker in the Australian Broking Awards, when he took out the title of Newcomer of the Year.
The Australian Broking Awards are organised by The Adviser (a leading industry publication) and are aimed at acknowledging the cream of the crop in the mortgage and finance broking industry.
The Newcomer of the Year award recognises and celebrates the broker who has been the most successful in their first two years in the job.
Since Hank began broking, he has shown an outstanding level of professionalism and customer care.
Hank’s triumph at the Awards is thanks to his holistic approach to mortgage broking. He was applauded by the judges for his ability to build strong relationships with his customers, ensuring that he always delivers the best outcomes for his clients.
Australia’s Brightest Broker 2013
In July 2013, Hank was a finalist in Australia’s Broker IQ Competition, an initiative of St. George Bank and The Adviser.
The competition pits the country’s leading brokers against one another, testing their expertise on a range of topics including product, finance and general industry knowledge. Narrowly missing out by one question, Hank came runner up in being the most knowledgeable Broker in Australia.
Hank in the news
- news.com.au: “Premiums go through the roof on Lenders Mortgage Insurance”
- The Adviser: “A Master Plan”
- The Adviser: “30 Under 30″
- The Adviser: “New recruits have reasons to smile”
I had a fantastic experience dealing with Hank from Home Loan Experts. He was friendly, helpful and got us the right result.
I was particularly impressed with his communication. Hank sent us prompt email updates on the loan approval, the property valuation and the settlement. In fact, we heard from Hank before anyone else including our own solicitors throughout the whole process.
I would highly recommend Hank’s services to anyone.
Brian Tuner, Blacktown NSW
Hank and his team were awesome. When we say this, we mean it. Their turn around time for information was almost instant and no question was too difficult for them.
My husband and I were honestly blown away by Hank and his team. We just provided the required info and they did the rest! We are not surprised he has the nick name Hank the Bank.
Shane Daffy, Harcourt VIC
If anyone’s going to get you that deal that seems so far away and impossible, Hank and his team will!
I was between changing jobs too and Hank made it happen. He’s down to earth, simple to understand and if you’ve got a problem Hank and his experienced team will listen and adjust to tailor a loan that’ll be beneficial to you.
Kevin Tribe, Oxenford QLD
I would just like to take the time to express our sincerest thanks to Home Loan experts for their brilliant service and in particular Hank and William for all their hard work. I was warned by a few people before choosing your company that using a mortgage broker could be ‘risky’ and that so many people had bad experiences with brokers and I am happy to say that for me it was the exact opposite!
Hank and William made the process so easy and we felt that we were in capable hands throughout the whole process. He was knowledgeable, communicative and efficient, we could not have asked for anything more. You have made our first home become a reality (something we did not think would happen for quite a while) and we can’t thank you enough! We have absolutely no hesitation in recommending your wonderful service to anyone who is looking for a mortgage broker.
Thank you and William again for everything.
Kaiden & Amy Burch, Wingalo NSW
“After being told misleading advice and using another broker, getting our loan approved turned into a nightmare. I was then recommended Home Loan Experts and began speaking to Hank. He was able to boost my confidence again. He guided me through the whole processes and took care of our loan from day one. I would highly recommend Hank and the Home Loan Experts. Well done Hank and keep up the good work!”
Amanda & Wayne, Box Hill VIC
“The team from Home Loan Experts, in particular Hank, has been tremendously patient, helpful and super-efficient with our home loan process. Firstly, Hank assisted us to find the most competitive home loan packages that were available from different lenders. Secondly, every single time we bombarded Hank with email questions (which were numerous!), he would respond promptly. In fact we would often have to tell him to stop working late at night or early morning! Furthermore, when we encountered any issues with the bank, Hank would assist us to resolve the matter efficiently and without much fuss. Hank is professional, courteous and truly made our home loan process an experience that was both relaxed and stress-free. So, a big thank you to Hank and the guys from Home Loan Experts. Highly recommended!”
Cliff & Viv, Kellyville NSW
“From the very first time that I spoke to Hank, right through to when my purchase had settled, I always felt as if Hank was on top of everything. Hank has made the difficult tasks easy and the impossible possible. His level of service and expertise is second to none and I am so glad that I have Hank on my side helping me through the land mine of lenders on the market.”
Jay, Merrylands NSW
“Hank made the process of applying for my home loan stress-free and as easy as possible, always providing reliable and sound advice throughout the entire process ensuring I understood all of my options and the benefits and pitfalls of each product. He provided the best rate in the market and gave me excellent information regarding my investments. He helped me find a neutrally geared property in Sydney. I wouldn’t hesitate in recommending his services as a mortgage broker and will be using his services for my next investment.”
Nate, Sydney NSW
“We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan. We were really unsure if we would ever get approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple. We really didn’t have to do much at all, as Hank walked us through the process step by step, and answered all my questions extremely promptly. We would definitely recommend Home Loan Experts to anyone. So thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.”
Ianthe & Jad, Brisbane QLD
“I have recently used the services of the Home Loan Experts and I have been extremely impressed by their ability to get my loan arranged. I only dealt directly with Hank and I must say that he went above and beyond to get my loan over the line. He worked tirelessly on my loan application with great effort. The lenders made us jump through numerous “hoops” and all the way Hank was calm and confident and made me feel assured all would get arranged prior to my settlement. Prior to contacting the Home Loan Experts we were knocked back by 2 major banks, even though we just discharged a loan with one of them and had never had any credit or repayment issues in 20 years! I can highly recommend Hank and the team at Home Loan Experts.”
Terry, Malabar NSW
“We had been on the ‘Buying a house’ treadmill for over 3 years, constantly being lead on by other brokers and knocked back from the banks. We thought the reality of owning our first home was diminishing, until I made the call to the Home Loan Experts. Finally, we were on to something! That something was nothing but positive and hasty progress. I was astounded at just how quick, effective yet professional the process was. Thanks to the Home Loan Experts, our dream of owning our first home became a reality. Hank put us with a major bank with a great rate. I would highly recommend their 5-star service to everyone and would not hesitate to use him again!”
Lisa & Valance, Hallam VIC
“You have been wonderful throughout the whole process. Even though I was some 4000km away from you and over 3000km away from the property I was buying, everything went like clock work! And even factoring in that I work in such a remote place this process has been stress free!”
Nicole H, Perth WA
“Hoa handled our refinancing needs in 2010 and was able to secure well-priced facilities that matched our particular financial position – no easy task! Hoa and the Home Loan Experts do brokerage the way it should be done, and have restored my faith in the profession. I recommend Hoa without hesitation”.
Ashley G, Ferny Hills QLD
“We just wanted to say thank you for the tremendous job you have been doing for the Home Loan Experts. Your close attention to detail, accuracy and quick turn around times have saved us a great deal of time and money.
As a first home buyer, the home buying experience can be overwhelming. However with Hoa’s guidance, we were helped through the entire process and found exactly what we needed.
It is imperative to have a mortgage broker who can respond at a moments notice, assist in overcoming any obstacles during the home buying process, and always being available to answer any questions we had.
Fortunately we were able to find all those traits in Hoa. We would highly recommend Hoa to anyone and we’re sure that they will find the same service and dedication that we have received from him”.
Edwin & Elena S, Toongabbie NSW
“Having been turned away by pretty much every broker I had come across due to my visa status (457) I happened to come across the Home Loan Experts. From my first contact with them all of their staff provided me with a professional yet personable service. Their knowledge of the mortgage process and the bank processes meant that they were able to find the right loan for me. My broker was available at all times to give advice and guide me through the process. I cannot recommend the Home Loan Experts more highly, they really have done an excellent job and have been an absolute lifesaver! 11 out of 10!”
Paul & Laura B, Flemington VIC
“Hoa is professional, courteous and very sharp. In circumstances where our loan required some lateral thinking Hoa was across all the issues and anticipated what other brokers had ignored in the past. He was able to get our application to a top lender and got it approved as quickly as possible. In fact the only delay came from our old lender because Hoa was able to manage our expectations with the new lender properly. After the mortgage settled we received advice from Hoa in relation to future management of the loan, a service no other broker, in our experience, offers. I would not hesitate in recommending Hoa to my family and friends for their future mortgage needs.”
Najeh M, Smithfield NSW
“Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan. He had a great knowledge of guarantor home loans which set our mind at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner. As a second home buyer I would recommend going through the Home Loan Experts as this process was a lot smoother and less stressful than having to deal with banks as an individual. I would especially recommend Hoa to others.”
Melissa & Rhys, Brisbane QLD
“Hoa did a amazing job from start to end. A truly professional and amazing experience. We had gone through a relative who was a broker and who took us to two banks where we were declined. We contacted Hoa as a last resort and from the start he advised that we could get approved. He was in contact every two days with an update and made the process smooth. Shital cried when he advised we were approved as we had abandoned all hope of getting a house now (we had only been in Australia for 7 months). Hoa has been amazing and we thank him for helping us to buy our home. I will be recommending all our friends to Hoa.”
Elvin & Shital, Mount Druitt NSW
“We would really like to thank Hoa, our mortgage broker for an amazing service provided by him. He was very enthusiastic and optimistic about our loan right from day one. He got on to our loan approval the day we emailed him our documents. Initially I was a bit hesitant about having a mortgage broker based in NSW while we are in VIC. However Atul was more than convinced that Hoa would be the right person to handle our home loan the moment he spoke to Hoa.
Hoa has got our loan approved even while Atul had changed jobs and was on a probation at his new job while I am contracting and at a stage when we had given up hopes of getting our loan approved due to refusal from almost all other banks. Hoa has a vast knowledge of how to deal with the banks and suggest the right bank for our loan and requirements.
As we were approaching the settlement date we then had issues with the property valuation but again, Hoa was very optimistic and got on to resolving the matter straight away. We really appreciate Hoa’s patience as we used to call him up or email him every few minutes as we approached closer to the settlement date where every minute, every hour and each day is crucial. Even after the settlement has taken place Hoa has assured us that he is available for us in case we have any issues for the life of our loan, which is a huge relief as we know that we would be in capable hands should we require any advice.
Lastly, we would definitely recommend Hoa to all our relatives and friends who would be in need of home loans.
Thanks a lot Hoa once again for all your efforts, time and patience”.
Atul & Anagha, Croydon VIC
“After months of trying to get a home loan, I called Hank from the Home Loan Experts in mid-September and explained my situation. Within two weeks Hank managed to organise a pre-conditional approval and within 10 weeks I moved into my own place! Hank really took the time to understand my financial situation and answered all my enquiries in a professional and courteous manner. Although it was my first home loan purchase, Hank and his team made it an easy and relatively pain-free process to follow, and I highly recommended him to anyone who is looking for a place to buy but is unsure of where to start.”
Olivia F., Greenwich NSW
“Hank (Hoa) has been helpful and responsive since the first call I made to Home Loan Experts. They understand the mortgage market and know substantially more than many others in their industry about more complex structures such as unit trusts. I rarely ever asked for an update as Hank kept me informed every step of the way. The loan process end to end was more than 50% faster than anyone I had dealt with before. The fact that home loan experts have a premium agreement with the major lenders is what sets them apart from the average broker! Hank is supported by a knowledgeable network within his organisation which includes the MD. Call Hank and experience the power of excellent customer service backed by industry knowledge and ‘knowing’ how to get you that loan.”
Elias H., West Ryde NSW
“Just wanted to say THANK-YOU!! We moved into our first home last week, the advice and service your company offers is fantastic, I will definitely be recommending you. I didn’t think we would have been able to purchase a home for another year but your free forum and advice showed us this was not the case. We are so happy to be out of the renting cycle. A big thank-you to Hank and the Home Loan expert team for all your assistance. The process was easy and you did all the paperwork for us, greatly appreciated.”
Robyn L., Woolgoolga NSW