Last Updated: 31st May, 2021

Australian Mortgage Awards 2019 Winner Seal

Our award-winning mortgage brokers come from diverse backgrounds and culture.

Still, the one thing that they all have in common is their credit expertise and knowledge of the lending policies of almost 40 Australian banks and lenders.

Although fluent in Aussie English, most of our mortgage brokers are bi-lingual; some are multi-lingual!

Interestingly, one advantage of having a diverse team of mortgage brokers is that ‘we speak your language,’ i.e. the language you’re most comfortable with.

What languages do our mortgage brokers speak?

Australian Broking Awards 2019

Finding a home loan that suits your needs is one of the most significant decisions an Aussie has to make.

So you don’t want to make such a decision without being crystal clear about everything.

To that effect, apart from fluent English, our brokers also speak a wide variety of languages, here is a list of our brokers and the languages they speak.

Arabic and French

The experienced Amine Berrada is our resident Arabic speaking mortgage broker. Besides, he also speaks fluent French, bringing a bit of French culture to Sydney.

Amine’s experience of working for St George Bank for years has given him first hand behind the scenes experience approving or declining home loan applications.

During his time with St George, Amine was transferred to the elite no deposit credit team in Sydney where he often approved as much as $10,000,000 in home loans each month.

As of now, he is one of our most experienced mortgage brokers.

Chinese – Mandarin and Cantonese

Are you looking for a mortgage broker in Chinese? Look no further!

Kenneth Chea and Sheng Ye are our go-to Chinese speaking mortgage brokers par excellence.

Chinese Mandarin

Sheng Ye possesses over 10 years of experience working in the Australian banking and finance industry.

His stint includes working in multiple roles at American Express and Bankwest where he won awards for his excellent customer service.

Apart from his credit expertise and excellence, Sheng also possesses a fluency in Mandarin that is enviable.

Chinese Cantonese

Kenneth Chea holds a deep, unwavering passion for helping his clients stemming from his five plus years experience working in the hospitality industry and his time in the mortgage industry.

Plus, he ensures that all clients of his are kept up-to-date and stress-free on the home loan process and settlement by providing a high level of communication.

More importantly, he specialises in first home buyers, temporary residents and borrowers with bad credit achieve their dreams of homeownership – among others.


Two of our Nepali mortgage brokers in Sydney were recognised by Mortgage Professional Australia‘s ‘Young Guns’ of 2019 as the top 30 brokers under the age of of 35.

Moreover, they’ve also been featured in industry publications, and one of them only recently made an independent third-party’s handpicked list of Top 3 Mortgage Brokers in Sydney, NSW.

They are (alphabetical order):

MPA Young Guns 2019


Preeti Kowshki is one of our most senior mortgage brokers at Home Loan Experts. She is our resident Indian mortgage broker in Sydney who speaks fluent “desi” Hindi, holds an MBA and has worked for HSBC – an international bank.

Over the years, she has built up strong relationships with key decision-makers at some of Australia’s biggest banks and specialist lenders which allows her to get tough home loans approved.

You definitely want her as your mortgage broker.

Investment specialist

MPA Young Guns 2018

Senior mortgage broker, Jonathan Preston is one of the top brokers at Home Loan Experts and is the go-to expert on property investment and investment loans.

He made MPA’s “Young Gun” Top 30 list in 2018, wrote a book on property investment, and founded the Australian Property Podcast and the SMSF podcast with over 300,000 direct downloads and over 1 million downloads across different podcast aggregators.


Vivienne Than is one broker whose clients gladly leave glowing reviews and feedback without even being asked.

She is our resident Vietnamese speaking mortgage broker who goes above and beyond in helping Australians achieve their dreams of homeownership.

The Adviser 30 under thirty seal

Her excellence in customers service saw her featured on The Adviser’s ‘Thirty under 30’ awards, a recognition of the top brokers in Australia.

Moreover, in 2019, she made the finalist for ‘Broker of the Year – Productivity’ at the Australian Mortgage Awards.

What are the advantages of cultural diversity in mortgage broking in Australia?

Did you know 28% of Australians were born overseas?

This means our diverse team of mortgage brokers are very well-equipped to deal with the changing face of the Australian populace and the issues they deal with.

We aren’t just talking about celebrating Harmony week every year; the differing experiences, perspectives, skills and backgrounds of our mortgage brokers allows us to:

  • Have a better interpersonal relationship, better connections with and understanding of the needs of customers. For one, it makes us subtly aware of the different cultural nuances.
  • Enhances diverse thinking, increases innovation and encourages critical thinking as well as productivity.

Besides, what we’ve seen is that usually, it’s the older generation that prefers to talk with someone who speaks their language, even though they may have been in the country for a long time.

It could be a cultural thing or a language barrier. And we understand that!

Regardless, every Australian needs to be 100% clear when making one of the biggest decisions in their life that is purchasing their first home/property.

As such, our brokers are better equipped than most to handle such scenarios.

What makes us different?

For us, it’s not only about the home loan.

Above all, the mortgage is a means to an end, so we ensure that the home loan is suited to your specific needs and goals.

In order to do this, we know and keep ourselves updated on the lending policies of nearly 40 lenders and the policy exceptions that can get an application approved.

Furthermore, this means understanding how to prepare a loan, knowing which lenders to approach and speaking to the key decision-makers to get applications over the line.

Moreover, this aligns perfectly with our target markets which include non-residents, self-employed, unusual employment, impaired credit, low deposit, and other areas where good customers are let down by the banks.

In conclusion, we have systems in place which are rigorously tested and refined not to let anyone down.

Finally, an often forgotten but critical aspect when selecting a mortgage broker is domain expertise, i.e. if you’re an expat living overseas, you want a mortgage broker with experience dealing with expat loans. Specifically, you want a broker with prior experience dealing with situations similar to yours.

Our mortgage brokers pride themselves on being credit experts first and foremost. Not surprisingly, ‘we get tough loans approved’ is one of our mottos.

We can help!

Australian Mortgage Awards 2019 Winner Seal

When making one of the major life decisions, you want credit experts on your side, and that’s exactly who we are as mortgage brokers – credit experts first and foremost.

More importantly, regardless of the language you prefer, we can usually find you a solution.

To speak with one of the best mortgage brokers in Sydney, give us a call on 1300 889 743 or fill in our short online assessment form.