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Love Letters From Our Clients

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


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!



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

Campbelltown, NSW

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.

Guarantor loans


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

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.


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!

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.



Torquay, VIC

Settlement has occurred thanks to the wonderful work and professionalism of Vivienne Than. As a senior citizen, I was mindful of the restraints faced trying to refinance. However, in the capable hands of Vivienne, not only was this possible but a great interest rate was sourced as well. Will definitely be drawing on Vivienne’s expertise in the future and have no hesitation in recommending her services, especially to those in the same circumstance.

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!



United Arab Emirates

Hi Erion,

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!

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


Enmore, NSW

It was a pleasure to have Vivienne’s support from Home Loan Experts throughout my home buying journey. Vivienne was professional yet personable, was responsive and understanding of my needs, listened carefully and conducted a thorough assessment based on my situation and needs. I have just moved in to my beautiful home this weekend after settlement on Wednesday and am very happy. This could not have been possible without Vivienne’s support. I highly recommend working with Vivienne if you are looking at obtaining finances for purchasing a property and I will be referring my friends and family in the future.


Baulkham Hills, NSW

Dear Vivienne,

I would like to thank you very much for your professionalism and attitude towards our mortgage dilemma. I was really discouraged when I was knocked back by another bank. I was told by many mortgage brokers that I would need a 30% down payment, but they were wrong!

Vivienne requested some paperwork which did not prove too hard to obtain and within a few days, recommended a bank. Then surprisingly, within 2 weeks, had a conditional followed by a formal offer for 80% LVR. She also has the power to bargain with the interest rate. I highly recommend Vivienne if you want a mortgage approval. Thank you very much once again, Vivienne.