Love Letters From Our Clients
We strive to go beyond the finance industry norm and deliver exceptional, personalised service to our clients.
What have our customers said about working with us?
Discounts for professionals
Bad credit history
95% home loans
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
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!
I tried to obtain a top up on my home loan with my bank. Due to a negative credit report and my age, my bank was unable to approve my top up.
I approached Dargan Financial and spoke to Preeti Kowshik. We met and I gave her all the documents that were required to refinance my home loan. Preeti approached quite a few lenders and got an approval from La Trobe for the refinance at a reasonable interest rate.
Preeti was extremely helpful, had good knowledge of the banking industry and got me the loan within a few weeks.
I have no hesitation in recommending Preeti to anyone in a similar situation to obtain a home loan or refinancing. I have given her contact details to most of my family members and friends who require home loans.
Temporary residents / 457 visa
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.
Samira and Matthew
We are in our home now! Matthew and I believe that it would have been impossible without you. Throughout the whole process, we have been in contact with lots of people but you were the best and most helpful one. I can remember that whenever I asked you a question or sent you an email I received my response within a few seconds. We are going to recommend you to all our friends and colleagues because we are sure they can trust you.
Once again thanks for everything.
Wellington Point, QLD
We were using a guarantor who wasn't a family member. About 10 other brokers we spoke to including some of the bigger firms left us in a panic by telling us we only had about a 50% chance and they didn't like our chances.
We rang Home Loan Experts and spoke with Russell Munfaredi. He was confident and knew what he was doing. He consolidated our personal loans putting us in a much better financial position with our new mortgage. Our broker support, Romy, was also fantastic! We were kept up to date at all times and all our queries were answered straight away!
Home Loan Experts has changed our lives! We just settled in our new home and we can't speak highly enough of you all!
Julia and Adrian
08 West Birriley Street, NSW
From start to finish, Home Loan Experts were exactly that - experts in their field. My broker Tony Dao was very efficient and always kept me in the loop as to what was happening with our application. They simplified the process for us and even now after our settlement, they're still there offering their support and advice. I can't thank Tony and Lipsa enough, and I highly recommend Home Loan Experts and their services.
95% loans / No genuine savings
Vanessa and Graham
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.
Sans Souci, Sydney
I would like to thank Mike for his efforts in getting my loan approved! After hitting a brick wall with my bank and multiple brokers, I stumbled across Home Loan Experts on Facebook.
I made an enquiry and was contacted by Mike who really took the time to understand my situation. He gave me the confidence in proceeding with an application and before I knew it, the loan was approved!
I can't thank Mike enough and have recommended him to all my family and friends!
Rozana & Djovani
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!
Vivienne gave me the confidence to pursue post-graduate study on a scholarship and work part-time despite settlement being scheduled for after my start date for studying. The process of reaching settlement was completely stress-free and so easy for me with Vivienne doing all the hard work! She surpassed all my expectations for a mortgage broker, being able to get in touch with her so easily made a huge difference. I will be recommending Vivienne to anyone looking for a home loan.
Discounts for professionals
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.
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.
Michael & Joanne
Umina Beach, NSW
Settlement was yesterday, about 3 months after my wife and I began the stressful process of researching the complicated re-financing options for our existing home loan and other debts to secure a better rate and deal with an alternative lender and consolidating into one repayment with one lender instead of making various payments. We had almost given up trying with the major banks and lenders until we called Vivienne from Home Loan Experts.
She had a straightforward attitude, listened carefully to our difficult situation and goals, and then commenced a detailed assessment of our situation, resulting in clear and tailored information about how we could make something happen to improve our cash flow. Vivienne was always professional and willing to answer questions honestly and promptly explaining things along the way from start to finish, getting things eventually across the line through all her hard work. It was a long and challenging journey and through Vivienne’s knowledge, perseverance, persistence and patience, she saw it through to achieve a great result on our behalf, working tirelessly along the way. She was also contactable at any time during the day as we both work long hours and often are not able to communicate during normal business hours, which was not a problem for Vivienne as she was always available or returned our calls or emails promptly.
We want to thank Vivienne for her assistance and would gladly recommend her to other home buyers or investors. Vivienne and her support, Nirayu, manage the whole process very well giving Home Loan Experts' brokers a great reputation/brand in the marketplace. You have helped us out and made the future much brighter. Thank you so much, Vivienne, for everything!
Marcus & Angela
Marcus and I would like to thank you very much for your hard work and patience during our re-mortgage. After injuring my back and having to leave work, our world and our family fell apart. Not only dealing with pain and depression, we were faced with the possibility of losing our home. After talking with you, I felt like I was speaking with a friend. Your patient and tolerant nature kept my anxiety under control, even when dealing with issues of proof of identity. At every opportunity you gave us assurances that it would all work out.
Your constant promise of communication was well fulfilled and we were kept up to date with everything that was happening along the way. Dealing with Australian Financial Securities Authority, our Mortgage Lender/s and other parties you were always professional.
Our only wish through this was to be able to move on with our lives and put the worst behind us. While I am still not working, we have been able to keep our home, be financially viable and just deal with the things I have like my health.
I can only commend Home Loan Experts through your representation. You made it easy, without stress, friendly and trusting. I felt I was in good hands all along; I cannot thank you enough for the change you have brought about in our life. I would recommend your services to friends and family alike.
United Arab Emirates
Thank you for all the help, well done. Money in my account!
I have been trying to get refinanced for the past 2 years and no one had the drive to help as you did. Your organization is very lucky to have a very driven broker, willing to help and not take no for an answer.
For sure, I want to have you as my broker for LIFE! Again, thank you for the hard work and help. We will keep in touch for our second loan.
My name is Jennifer and I have just settled on a property in Coomba Park near Forester on NSW North Coast. This came about as a result of the broker who worked for me to achieve a loan offer from ANZ. I live in China and had put off purchasing a property in Australia as I didn’t think it would be easy to get a loan.
The broker from Home Loan Experts, Preeti Kowshik, dealt with my case in a very professional manner and I couldn’t have been more happy with the process of my purchase.
I would like to pass on my gratitude and thanks to Preeti for her services. I will be purchasing another property shortly through Home Loan Experts and I could not be happier to know that Preeti will once again be assisting me in this matter.
I just wanted to pass on my congratulations to Preeti for her professionalism in this matter.
Hopefully the next purchase will take place in the next few weeks and I can start saving for property number 3! You have been a great help and I know I couldn’t have done it without you and Home Loan Experts!
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.
Michelle & Alex
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.
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.
I always had this as my family’s menu: “Take it” or “Leave it”. But my home purchase experience added another phrase in between: "Work towards it".
Getting a home in this island continent seemed to be a distant dream for me. But it all started with a sceptical phone conversation with my mortgage broker, Vivienne Than, for the first time way back in October on whether I will be able to get a loan within my limits and existing constraints.
I was stunned by the swift response style with options for me to choose. Things moved quickly to conditional approval stage. Each of these phone conversations was sprinkled with humour by the way my name was pronounced. I still admire the way you pronounce my name, Vivienne, which is actually the way it is pronounced in my mother tongue. The best part is I have not seen Vivienne in person till this moment. She is my First Angel with whom I started the “Work towards it” to get a house.
Parallel to this, in the middle of the Victorian Spring of 2016, I buckled my shoes on the weekends for house inspections with a list of houses to inspect. Amidst the wide plastic smiles of the agents at the inspection venues, by chance, I stepped into a house, with an enterprising lady in Royal Blue greeting the visitors into a house (Weebill Way Pakenham). She is Kate Radcliffe from Harcourts. After, I saw the house, on enquiring about the process to reserve or book this house, Kate said that I need to pay a thousand dollars on the same day to kick start the cycle. Since I had other houses listed in the same area for inspection that day, my curious instinct added another query, “What if I choose not to buy the house after paying the booking amount?" Swiftly came the answer, “I’ll take you to Myer”. My funny bone tickled. So this is my Second Angel with whom I continued the “Work towards it” to get a house.
Again my First Angel worked towards getting my Unconditional Approval on time for the requested amount. My Second Angel complimented it by supporting during inspections and Contract of Sale documentation. The rest is history… All processes, procedures and legalities were followed.
Then came my Third Angel, Dora. I was only familiar with “Dora the Explorer” but it was an apt description as Dora Nicholson is also an explorer on the law-side, who delved into the necessary legalities in getting the paperwork in shape. After lots of discussions and talks, all aimed towards settlement, I finally met her on a sunny day at Clayton to express my gratitude with a bouquet. But more than the flowers, she beamed and made my day. I still like the way you say “okay” at the end of each sentence, Dora. She is my Third Angel with whom I did the “Work towards it” part to get a house.
"None of us is as smart as all of us." - Ken Blanchard
So these angels were smart and even better when supported by their teams: Vikki for Kate, Pramesh for Vivienne, and Bianca for Dora.
It has been a great journey to be associated with you all till the keys got handed over to me on 9 Jan 2017. I have finally worked towards it and have now achieved it.
I wish you all the very best and would recommend to anyone who will discuss property purchasing with me.
Shyam & Namitha
Wyndham Vale, VIC
We were very happy with the service from Home Loan Experts - especially Vivenne and her team who were very helpful to all our needs. We were in a tricky situation as we had less than a week remaining in our finance clause. We approached Home Loan Experts as our last option. Vivienne was on our case immediately and was very positive and proactive in letting us know what our options were. She was very quick in all correspondence and was very efficient and professional in passing us all the right information at the right time. She and her team were even able to approve our loan for us in 48 hours!
We are extremely thankful to Home Loan Experts and Vivienne for their wonderful service and would highly recommend them to anyone.