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

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.

Marcela & James


I would like to thank Preeti for her wonderful assistance and support throughout the process. It was our first home loan application, and we decided to go with a mortgage broker because we wanted a person with experience and knowledge to assist us with the process. And sure enough, Preeti didn't disappoint.

She had extensive knowledge about the subject despite an SMSF loan being a very specific loan type. She was always very patient and supportive, and calm and optimistic. During a few hiccups with the bank, she never lost her focus and optimism. She got on the phone and sorted it out.

It was a long process for us but Preeti was always on top of things, got in touch with us as soon as something was needed to be done and was always supportive. Thanks again.

Bad credit history

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.


Guildford, NSW

My settlement occurred today. I cannot thank Vivienne Than enough for her expertise and straightforward attitude.

I was kept informed about everything from start to finish. As a discharged bankrupt, I thought it would be difficult for me to get a home loan. Vivienne found me a loan provider with a very reasonable interest rate and all the functions of a standard home loan.

I can now see myself building a property portfolio over time. I will definitely be using Vivienne's services in the future. I will happily recommend Vivienne to others!

Temporary residents / 457 visa

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.


Dee Why, NSW

My husband and I were buying our first property in Australia and came to Vivienne for general advice and help in securing a mortgage for our first purchase.

My husband, being considered self-employed with me working for his company, gave us a few extra hurdles we needed to jump over but with Vivienne’s time, help, advice and, ultimately, her efficiency, we were able to get to the point of a conditional offer within a matter of days.

Vivienne went above and beyond to get things sorted as quickly and easily as possible, always on the end of the phone or email – emails coming back to us way after office hours on a Friday night did not go unnoticed!

We were a little cruel and put her under some fairly strict time restraints as well (given we had already paid our 10% deposit) which she managed with professionalism and courtesy.

Vivienne was an absolute pleasure to work with and I would highly recommend her to anyone I come across in the future needing sound, quick mortgage advice. Thank you for all of your help.

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

Elliot & Emily

Lyndhurst, NSW

A special thank you to our Home Loan Experts broker, Vivienne and our broker support, Roshan. Vivienne was able to source a specialised lender who was best able to facilitate our loan despite unique circumstances. I am a benevolent worker and my wife is a nursing student. I receive a portion of my income through tax breaks as my organisation is a charity. All the banks we spoke said we would be fine but then put us into the "too hard basket". We were about to shelve the idea before we spoke to Vivienne. Vivienne was confident from the outset and was able to secure us a loan of up to twice the amount of other brokers and banks. We have now bought our first home. I would recommend Vivienne and Home Loan Experts to anybody looking to borrow, especially those with tricky circumstances.

Rozana & Djovani

Flynn, ACT

After contacting major banks and different lenders numerous times, amd searching all over the internet trying to find someone who would help us with a home loan, my husband and I almost gave up. We had a particularly difficult situation being self-employed, so it was almost impossible to find someone who was willing to help us.

After thinking we will never get a home loan, I started researching some more and read a few testimonials about Home Loan Experts. I called Vivienne that same day and was instantly amazed at how professional she was. She said that she would do everything to try and help us, but honestly we did not want to get our hopes up as we were let down before. However, not too long after our initial conversation, I received a call from Vivienne saying that she found a lender who could help us. And that's exactly what happened. Our settlement was on Friday and we are now proud homeowners of a house we absolutely love!

I cannot recommend Vivienne highly enough; she is absolutely amazing. She always listened carefully and promptly answered any questions I had, and I had a lot of them! She was easy to reach all the time, was caring and understanding. She was professional from the get go, and through her hard work managed to get us a home loan when we honestly lost all hope.

We want to thank Vivienne for all her help, for making the whole process as easy as it could possibly be, given our circumstances, and we would recommend her to anyone looking for a home loan. In fact, we already have! Thank you Vivienne for making our dream of homeownership come true!

Thank you.

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



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 :)



We had been in the process of applying for a home loan for a few weeks. Recently, we received an offer and acceptance from a bank all due to the hard work Preeti has put into helping us secure our first family home.

Preeti went above and beyond normal working hours and weekends, to help us along the process.

I am writing this to express my gratitude for her time and consideration in supporting our endeavours for a home loan. Preeti's hard work and commitment means a great deal to myself and my family.




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.

Tracey A


Pooja and Sajag were professional, offered fast service and made the whole refinance process simple. And I love simple! Thank you for getting me a great deal with a home loan that really suited my needs.

I will be highly recommending Pooja to my friends and family.


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

Joao F. Lay

Hong Kong

Best service i have had for a long time, and given a 2 weeks timeline with me being a foreign income earner (and based overseas) makes this even more spectacular. My broker was Daniel Ho and support was Binay Pakhrin, they were a dream team.

They were in constant dialogue with me every step of the way, and more importantly everything they promised were delivered. Just awesome!!!

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.



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

David Gamble

Roseville, NSW

Otto and Sharon have delivered exceptional service. They have found loans that exactly meet our needs, negotiated with lenders to get the best loan packages, and kept us informed every step of the way.

They have also followed up to ensure that loans are settled on time and that no steps are missed. 10 out of 10 for everything!

Patricia Moroz


5 stars are not enough! Vivienne Than has gone above and beyond what we would expect from a mortgage broker. Our house hunting process was very long and complicated but Vivienne was fantastic.

She found the best home loan for our situation and her communication skills are excellent, responds to emails promptly and kept us informed every step of the way.

Can highly recommend Vivienne from Home Loan Experts.