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

Jimmy Kim

Baulkham Hills, NSW

Excellent brokers and great guys! They were able to get loans across for my wife and I which other brokers were not able to assist. Any investors should seriously contact the Home Loan Experts team and ask to talk to Jonathan and his assistant Sonali.

Ric Ward


Well done Nirayu and Sonali! Great job! Excellent service! Thank you!
Our extremely challenging investment loan has been delivered with expertise and efficiency! Big thank you to Nirayu and Sonali for a job well done! Great job! Excellent service! Thank you!

Bad credit history

Joshua Hamade

Hunter Region, NSW, AU

We were told we couldn’t get a loan by others but Home Loan Experts made it happen !!!

Wife is on maternity leave and we had a high amount of credit Enquiries we knew this wasn’t going to be easy. But Azita Bokan at Home Loan Experts made it happen, we got approved.

We enquired through Aussie Home Loans, CORE Brokers and Lendi l. They all said they could not make it happen, but Home Loan Experts did.

Azita and her team deserve a pay rise !!!!

Hanan Amin


Highly satisfied with the customer service level from home loan experts and especially from my broker Nirayu Shakya

From the moment I contacted Nirayu I knew he genuinely cared about getting my loan approved, he was patient with me and explained to me everything I needed to know. Buying a house is no easy process and Nirayu Supported me from start to end.

He even managed to remove a default from a very long time ago that was on my credit file.

If it wasn’t for home loan experts I would not be in my dream home today!

I can’t thank home loan experts enough, I am so glad I got in contact with this company.

And a special thank you to Nirayu, I can’t thank you enough for all your help and support for helping me with buying my dream home!

Highly recommend these guys! You will not be disappointed.

Temporary residents / 457 visa

Hayden K


Romy and his team (Sanju, Sunish & Anil) were excellent from day one to the end of the process.
My loan was not a straight forward one as my partner is on a bridging visa but nothing seemed to be an issue.
Would happily use again and refer people to them.



I was crestfallen when ANZ refused to give me Home Loan on the pretext of my visa status (could be genuine, but left me shattered), even after being with them for over 7 years.

Right, when I was on the verge of selling the property that I was looking forward to settling in, a passive email to Home Loan experts just before Christmas eve in 2017 in a hope to get home loan sorted started my relationship with Home Loan experts, especially Mohit and his team.

Mohit empathised with my situation and not only got my home loan approved from St George, but also negotiated an interest rate that beat the rate that ANZ would have given me, should they have sanctioned my home loan.

He and his team kept me updated at every stage of home loan approval and saved me from all the hassles and nitty-gritty that could have easily torn my head apart. Can't thank him enough for being a thorough professional and at the same time kind and empathetic.

Guarantor loans



Shabba helped me to get my home loan.

I can't recommend her highly enough, she has great communication and excellent knowledge. She helped every step of the way. Would definitely recommend to others.



Jenish and the team at Home Loan Experts were able to guide us through the minefield of first home ownership.

Our previous involvement with another popular broker went very sour (and somewhat scary) due to the incompetent actions of that other broker. Jenish and Home Loan Experts really saved the day by taking over and helping us through a very difficult and stressful (but exciting) time in our lives.

Jenish and Ganga were both extremely patient with our NUMEROUS enquiries and questions, but yet never made us feel once that we were being a pain or annoying.

Jenish and the team were able to secure an amount much higher than our previous broker, and this was due to their attention to detail and persistence in dealing with the lender to ensure the best result for us.

Very happy and highly recommended.

95% loans / No genuine savings



The team at the HLE is very hard working and committed. Communication is also great.

Jenish and Sharon worked very hard for my loan application. Their friendliness made this overwhelming experience easier.

Keep up the good work guys.


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.

Unusual employment

Tom Price


Pramesh was able to find me a lender in a self employed situation where I was sure there was little hope, friendly and professional at all times, thoroughly recommend.

Tarek M.


Above and beyond service
I’m a self employed and in my case it’s very hard to get a loan which so many brokers they didn’t even bother but when we contacted home loan experts and spoke to Mohit he made it so easy and worked on our loan as if it’s for himself , normally in this cases you have to follow up with the paperwork and stay stressed throughout the whole process but with Mohit and his team they were so professional and were following up around the clock and just made it so easy and stress free , thanks Mohit and the team ( Pushpa) and definitely you are my broker for life , thank you so much for your service.

Discounts for professionals



Very helpful and professional. The entire process from beginning to end was very smooth and well communicated. Jenish and Rojina were very helpful and made it very easy on our first property purchase.

I would highly recommend this team and would use their services again!



Absolutely amazed with the level of service I received from Home Loan Experts.

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

The team were able to get me waived LMI as a pharmacist saving me thousands of dollars. Amazing!

Low deposit

F Nisar


Foreign income, minimum deposit, tough negotiations with bank and a successful application

We had fairly complex mortgage application as my family resides in Australia and I work overseas. Not many mortgage brokers were willing to work on foreign income application and were also asking for high % of deposit.
I filled online application form at home loan experts and the very next day Vivienne called me. She was very professional, understood our situation and guided us at every step of the process and the documentation/ paper work we required. She did very good job at negotiating with the bank on our behalf as due to foreign income bank at times bank would ask for unnecessary documents. She successfully secured the loan for us on minimum deposit required.
Along with Vivienne, Rachel (Rojina ) was very helpful. After our pre-approval, Rachel provided us with property reports for the properties we were interested in. She made sure she was on top of everything and continuously chased the bank and our solicitors to ensure the settlement was done smoothly and on time.

We couldnt thank Vivienne and Rachel more and needless to say we will highly recommend them to our family and friends.



Excellent service. Very friendly and knowledgeable staff.

My home loan process was done by Prakash Rai who is very humble, supportive and always willing to help in each and every aspect.

He made this difficult situation very easy. Always available to answer any questions. I am very happy with the service provided by him and will always come back for any future home loans.

I would highly recommend Home loan experts to everyone.


Stuart Smith


The staff at Home Loan Experts, namely Nirayu and Yourusha have been terrific to deal with and I would highly recommend anyone considering a loan to try their service. From the initial inquiry, all the way through to signing new loan agreements, they couldn't have been more helpful. I received a call from Yourusha virtually daily to keep me informed of progress and any details that needed to be provided which has made the entire process very straight forward, which is what anyone wants when looking to borrow. Thanks Nirayu and Yourusha.

Stuart Smith


The staff at Home Loan Experts, namely Nirayu and Yourusha have been terrific to deal with and I would highly recommend anyone considering a loan to try their service. From the initial inquiry, all the way through to signing new loan agreements, they couldn't have been more helpful. I received a call from Yourusha virtually daily to keep me informed of progress and any details that needed to be provided which has made the entire process very straight forward, which is what anyone wants when looking to borrow. Thanks Nirayu and Yourusha.



Greater Melbourne (Metropolitan), VIC

Home Loan Experts proved to be really experts...
I am Australian working overseas and by coincidence read about possibility of getting home loans through Home Loan Experts. My contacts started with Nirayu who did an amazing job by taking me step by step through the process and documentation which actually took me sometime to complete. His patience and dedication enabled me to get the file ready which then submitted through him with the assistance and close follow up of Sija and finally get the loan approved. That was something really important to me (as a dream coming true). I would like to thank again Nirayu and Sija for a job well done.

Jason Underwood

2840-10 Nagakura, Karuizawa, Kitasakugun, Nagano, Japan

Manish and Sid were excellent! Their communication was on point, and they guided me through the loan application process really well. I had some issues with getting documents from my employer in Japan and translations that were acceptable to the bank, but Manish and Sid did a great job advocating on my behalf. Thank you Manish and Sid!

Gifted deposit


Hobart, TAS, AU

First time user of Home Loan Experts...happy to recommend to anyone looking for a loan or having trouble with their current broker/bank, which was my situation. Preeti was super and ran like made finding what I needed and Saujan just finished it off for me and made sure things were on track. Well done guys keep the good work up.



These people are really the home loan experts! Azita was a lifesaver and helped us through a very difficult home loan application.

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.


Mehrdad K.

Doncaster, VIC

They did what at least 5 other brokers could not do for me.

Hi everyone,
I'm an existing and multiple-time-returning client of Home Loan Experts. I'm an investor, intensively investing in properties during last couple of years. Because of this I have ended up with so many queries under my name for credit checks which is not in interest of lenders at all. After getting three investment loans, I started getting rejections from so many lenders and I have been told by all of them (small and big) to stay away from applying for loans for while as there is so many queries under my name in credit check systems and some other reasons none of which made sense to me.

Finally, I contacted Home Loan Expert and MANISH, a hard working broker who spends a lot of time on everyone's file before putting an application through which may potentially brings you just a useless query under your name, checked every thing in details and even talked with the assessors from potential lenders and explained my situation. He had got the green light from them and put my application through and exceeded my expectations. I asked for one loan and he got me a pre approval for another loan as well. To make the long story short, I have already had those two loans settled, and another loan has been also approved, waiting for settlement.

SID the other broker who has cooperated with MANISH through the whole way is an extremly polite, patient and hard working man, offering you a perfect experience during your loan application journey.

you also deal with their customer service departments after your loan settlement regarding any question you may have about your loan. SHOVANA from that department is also a gem in this market.

In summary, I definitely recommend Home Loan Experts as they are so helpful, responsive and hard working.

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!!

First home buyer


Sydney, NSW

Professional, hard working and excellent knowledge of lending.
Mohit and his team delivered as promised on finding me the best possible lender for our specific financial position. With a high level of professionalism and integrity, he achieved the execution of our new home loan in a timely manner allowing us to purchase the property we wanted within our time constraints. Timing was everything in our case! With Mohits tenacious and hard working mindset, he managed to collate all our financials quickly and effectively to enable us a head start in the competitive Sydney propery market. The main benefit, was his instruction on what banks realistically require, articulated in a professional format, so our time was not wasted. From start to finish and with full transparency Mohit directed me on what was expected from our end, allowing us to sail through in an efficient manner. My relationship with Mohit and the Home Loan Experts has resulted in me being able to get on with life, the running of my business and ultimately the purchase of our new home. I am looking forward to continuing using Mohit and his team going forward and have no problems recommending him. Thx again, Oliver and Caroline

Mustafa S.

Sydney, NSW

Professional,excellent communication, most hard working team.

Where to start wow, thank you for all your hard work and effort throughout this special journey of ours, mohit and his team have meet my expectations and even more, I wouldn't recommend anyone else. me and my partner met with many different brokers before we meet mohit and we were constantly disappointed with the feedback we had and started to lose hope on achieving our dream to purchase our first home, but after many research we came across to find home loan experts and just looking at the reviews we just definitely knew who we wanted to get in touch with and that was mohit, and that was the best decision me and my partner made. His work ethic and great professionalism and commitment to his customers just made us feel very safe and not doubt our hopes. He was there when ever we needed to be sure of something always on time I can't even begin to say how shocked we were at his quick response and never failed to give us positive results everything seemed possible with mohit and his team my only regret is that we did not meet him at an earlier stage of ours life's and achieve our long awaited dream, thank you mohit and your amazing team you don't understand how much this all means to me And my partner we really appreciate all your hard work and we absolutely wish you and your team all the best. Thanks

Fixed Rate

Anita and Quade

South East Queensland, QLD, AU

Outstanding service a phone call away.
Mohit and Sujin were nothing short of outstanding. From the time we picked up the phone and started the process to the very last day we have experienced nothing but outstanding service. Mohit you are a leader in your field of expertise and Delivered all our expectations. Sujin thank you for the follow up care and prompt response right through our journey. Very happy clients

Everything else

Reah J


Highly recommended!
Ujj & Sanjay were very helpful from start to settlement.

Kate Bishop


Subhangi, Romy and the team did a great job finding us finance at a competitive rate for our non-standard situation. Their communication through the whole process was excellent, and the service was professional and friendly. I’ve never used a broker before but I would definitely use these guys again, and would recommend.