We strive to go beyond the finance industry norm and deliver exceptional, personalised service to our clients.

Our company mission is to help people who need it most, and our systems, people & training allows us to be a medium sized business, yet still provide an exceptional service.

What have our customers said about working with us?

Discounts for professionals
Property investors
Bad credit history
Temporary residents
Guarantor loans
95% home loans
Low deposit
Gifted deposit
Company title
Unusual employment
Everything else

Property investors

Dion Woolford


Wow, I am blown away by how good Ayush & Prakash are.

I’ve bought and sold 7 houses and never met mortgage brokers as good as these guys. The most impressive part is they know how banks operate and they got all the information needed to prepare my case so I wouldn't fail and the banks would not decline my application.

Every time I called them they answered the phone and my emails. Nothing was ever a problem for them. As you know there is nothing more frustrating than someone not replying or calling you back when you know they can see you are trying to contact them.

They are also going to help me refinance in 6 months to a lower interest rate. Because of my situation as a contractor, they found a deal for me with Liberty. No other bank would except my situation. But now I've secured the property and I'll renovate it. I'm now in a lot better situation to refinance with the major banks.

Thank you, guys. I'm so much impressed by your knowledge and efficiency. I'll definitely recommend you.

Nina & Jess


We have now used Home Loan Experts for two of our home loans! Our new investment property just settled today thanks to Norman and his assistant! They were both wonderful and helpful, and answered all of our questions. Great job guys.

Bad credit history

Fiona Arnfield


After being in a part IV debt agreement and struggling, I was able to get finance, fix all my debt problems, and redo my mortgage all in one go, no one else had been able to help me and the stress was terrible.

The assistance I received has changed my life. I could not fault these people in any way. I only wish I had contacted them earlier.

Tara K C


Excellent company with great ethics. We were referred to our Broker Romy Dhungana by a friend who was impressed with his service when doing his loan with them. Romy fully understood our requirements and helped us understand the complete process along with obtaining the best loan product.

Rojina, his support staff also ensured the process was seamless and stress-free. I would recommend them to everyone I know.

Temporary residents / 457 visa

Riya Patel


Getting a loan approval especially if you are non-resident is way stressful than you can imagine. But folks at “Home loan experts” made it look really simple & easy.

There are many brokers that claim to find you a lender even if you are on a temporary resident visa but eventually they don’t. BUT HOME LOAN EXPERT DID IT. Thanks for understanding our urgency, deadlines and giving regular updates.

I appreciate & highly recommend your service.

Hu B

Canterbury, NSW

I received a phone call from Daniel Ho not long after I hit my enquiry. I enquired about home loan opportunities for temporary visa holders. I didn’t expect to receive such an excellent service. Daniel not only demonstrated his professional expertise by providing me with full information needed, but also tailored the service to my specific case. I greatly enjoyed the service, not only the comprehensive technical information received, but also the delightful experience talking to Daniel. So, thank you very much. Really appreciate it.

Guarantor loans



We would like to thank Edward, Ayush & Nirayu for their amazing service & dedication, to assist us in obtaining a home loan. Our situation had many variances and without their honesty, hard work and assistance, we would not have today, received our dream come true by way of a formal letter of 'Pre-approval'.

Thank you so much, we can not recommend your Company and Team of experts, high enough!!



It's difficult to put into words just how grateful we are for the time and effort given to us by Robert Mo (our broker) and Ganga Manandhar (broker support) from Home Loan Experts.

We are a typical young family with good jobs and a child and renting a good home for our family. We struggled to save for a deposit and we were fortunate enough to have the opportunity to arrange a parental guarantor home loan. This was the only way we could afford to make the transition from renting to home ownership.

We contacted Robert who from the very beginnning guided us on the requirements and challenges of this type of loan structure. In a period of 6 weeks we went from 'lifetime renters' to 'home owners' and this dream of home ownership would frankly not have been possible without the insight, dedication, problem solving, leadership and guidance from Robert and his support team. They were there throughout the entire process from our loan application to settlement. We believed it was "just not possible' for us. Finally, I made an enquiry to Home Loan Experts via their facebook page. Trust me, even if you believe it's not possible to own your own home, please give Robert a call and he will look at every possible way of making your home ownership dreams come true.

We are grateful beyond words and I give the highest possible recommendation to Robert Mo and Ganga Manandhar. Absolutely first class service 10 out of 10.

95% loans / No genuine savings


Yatala, QLD

I had been previously declined by the big banks due to not enough savings and a personal loan situation. This was despite the help of my previous broker who only had access to certain banks with the majority being big institutions.

Through some google searches, I found Home Loan Experts and was assigned Vivienne as my broker. She's so friendly to deal with and was always on my side to support throughout the loan application processes. She's always there to give me advice and be supportive, which meant a lot to me. Finally, I secured a bank loan for my first home owner occupied property with only a 5% deposit.

A big thank you to Vivienne Than from Home Loan Experts! I would definitely recommend her and Home Loan Experts to any of my friends who are facing the same situation.

Vanessa & Graham

Frankston, VIC

We really appreciate all you've done for us. You have been professional, understanding and very proactive making this process run smoothly. It's been a pleasure dealing with you and we will certainly be recommending your services.

Unusual employment



I am absolutely amazed by the level of service I received from Home Loan Experts.

Jef was fantastic and kept me informed throughout the entire process. The team at Home Loan Experts is incredible - they're a team of highly motivated, efficient and professional individuals that really go the extra mile and strive for the best outcome.

I previously had discussions with 2 other brokers who were not able to help me and Jef and the team managed to get this loan approved for me and my wife.

I highly recommend them to anyone looking for a home loan and they are the best mortgage brokers in Sydney. Can't wait to move into my new home!!

Thanks again for everything!

Jessica Helmi


I am highly satisfied with my broker, Robert Mo and the support Rushmi.

Robert is fantastic! He was helpful, friendly and knowledgeable. He was very supportive and able to calm me down since I have a tendency to overthink and being panic etc lol. It is obvious that he knows what he is doing.

I was able to get my loan within a very short time period at a highly competitive rate. Amazing!! The whole process was drama-free as Robert was amazing and really communicative. Rushmi was also helpful as she was able to communicate things on time.

Overall, I would highly recommend their service! Thanks, Robert, Rushmi and Home Loan Experts!

Discounts for professionals


Sydney, NSW

Thank you so much Preeti from Home Loan Experts for making my dream come true! You have been exceptional this whole process with prompt communication and you got an approval for the amount that everyone including myself thought was not possible.

You and Home Loan Experts come highly recommended and I will refer anyone who wants to purchase a property to use your services. The rate we got was great, the service and communication was great, and I cannot recommend you guys enough. Thanks again!



Thanks so much to Jimmy for helping me with purchasing my property! I am so impressed by Jimmy’s efficiency, professionalism and passion, especially with his step-by-step guidance and follow-up.

The interest rate and waiving off the LMI was excellent which I couldn't find from any other broker.

I will never hesitate recommending him to any of my family, friends and colleagues.

Low deposit

Kirsty Thys


Absolutely wonderful service and quick responses.

They made it happen against overwhelming odds and were always happy to help. Fantastic work both Shaba DC and Sleshma Shakya.

Well done from a happy customer. I would recommend you to anyone.

Thank you.



Just a big thanks to Preeti and Sanij for arranging miracles over the New Year and enabling us to finally get our house after a two year hiatus.

We signed on the 24th of December 2015, struggled for a week with a big lender to get it done. We phoned Preeti (on recommendation of a friend) on the 31st of December.

She worked on a public holiday and, by the 1st of January, gave us her recommendation on the lender. We agreed with her synopsis. By the 5th of January, we had the initial approval done and got final approval by the 7th.

Awesome, awesome job! Thanks guys. We finally got a place we want to live in for the next 20 years :)


Ana Laura Marinesco


Vivienne Than was exceptional. From the moment she took my enquiry, I knew I was in safe hands. She made sure she understood our objectives and she provided clear recommendations and guidance.

She always kept me up to date with the progress of our application and managed to even deliver a better solution than what I thought possible.

Vivienne, I can’t thank you enough. You have reinstated my faith in mortgage brokers! If you are looking for a broker, look no further, Vivienne and the team at Home Loan Experts won’t disappoint.



We have been trying to refinance our current mortgage for the past 5 months with other Mortgage broker and ended up giving up as the current broker was not very attentive to our needs and had negative outcome and could not get loan sorted out.

Our bank wasn't willing to discuss with us regarding loan as we went through a broker, most of the banks communicate via the broker even after settlement. It was such a mess as our settlement date was also missed and we end up paying penalty for late settlement and also we have four different repayment schedules set up with our broker which he did not consolidate our construction and land loan payments.

The day I met Pooja and started working with the process of refinancing was very helpful. She guided me at every stage and received quick help through the whole process. She was able to answer my questions at any time of the day even after work hours.

Excellent, genuine and professional service Pooja and her team. Great to recommend Pooja and her team. I would like to wish the team all the best in their business.


Jennifer Mills

Seoul, Korea

Although an Australian citizen it's difficult to find a loan when you work abroad. I live in Korea and wanted a loan to buy land to construct a house in Sydney.

Shaba was so helpful and although no bank was interested in Shaba's resourcefulness she found a company that provided me finance. This is the third time I have used Home Loan experts to get a loan from outside of Australia and I would highly recommend them.

Thanks to Shaba's help I now have my land in Sydney while living in Seoul. Great work by Shaba and Home Loan Experts.

Daniel Atwell

Hong Kong

Romy from Home Loan Experts has been fantastic in aiding with our refinance for a knock down rebuild in Melbourne whilst we work out of Hong Kong. Romy has kept us involved every step of the way and has provided invaluable advice to help us increase our borrowing power and get a competitive rate. Romy has found himself a customer for life.

Dan and Beth

Gifted deposit

Amanda & Andrew

The Ponds, NSW

Our experience working with Paul was totally positive from start to finish. We sought advice from Home Loan Experts and Paul after our previous broker had been dragging the chain for months and months on arranging a pre-approval, and once obtained had not selected the right mortgage type to suit our needs. After wasting this time with the previous broker, we had little time to finalise a new mortgage as we were required to move out of rental premises.

Paul came to our rescue and sorted everything in a matter of weeks, such that we were in our new home within 6 weeks.

Given we were first home owners and not experienced in obtaining loans, Paul provided clear and objective advice that made us feel confident that things would progress well; and they did. We can't thank Paul enough for his hard work and his years of experience in the industry was clearly invaluable to us in making it possible to purchase our first home.

Company title

Michelle & Alex

Matraville, NSW

After so many complications in getting a loan for our company title property, a friend recommended Paul Da Silva when we decided to refinance.

Paul made the process so easy; because of his extensive knowledge and experience, every hurdle was dealt with promptly and stress-free without having to supply more and more documents.

We highly recommend Paul and are very happy with the deal he got for us and the advice he provided. Many thanks, Paul.


Kozzy Sox


Commercial loans are very risky and complex. Sole traders like me often find it very hard to provide required documents. But these guys really did a great job for me to get a commercial loan.

They replied my emails, and answered all my calls all the time and always on time. I did talk to other brokers about my issues but they weren't really helpful at all.

Home loan experts were fast and clear in loan proceedings. Thank you guys. Cheers!!


Brisbane, QLD

A big thank you to Russell and Shreya J. for everything!

It is really most appreciated. I honestly don't know if I would have been able to secure a home loan for my business and trust without you guys.

Everything else

Leah Escueta


Excellent job done by Vivienne Than for her hard work and perseverance! An absolute 5 Star service. Highly recommended!

Kurt Davies


Edward Zhang is a true professional, always answered phone calls and emails very promptly - made a very difficult process an absolute breeze and had finance approved on-time. Highly recommended!!