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



We came to Home Loan Experts to get a loan on an investment property after being turned away by a number of banks and other lenders.

Within a couple of days our broker Prakash managed to find us several potential options despite the difficulties we had encountered on our own earlier. In the end, Home Loan Experts helped us secure an incredible interest rate with a well-known bank and we couldn't be happier.

The entire process went smoothly, we were kept in the loop at all times and our loan manager Sharon kept on top of all the paperwork to ensure a smooth transition.

I know for a fact that we wouldn't have been able to purchase our property without Home Loan Experts, I can't recommend them enough.



Like to mention Mohit who had helped us greatly in securing a loan with great rates.

He is a dedicated, hard worker and a patient broker who helped us greatly throughout the process.

Bad credit history

Fiona Arnfield


After being in a part IV debt agreement and struggling, I was able to get finance, fix all my debt problems, and redo my mortgage all in one go, no one else had been able to help me and the stress was terrible.

The assistance I received has changed my life. I could not fault these people in any way. I only wish I had contacted them earlier.

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.

Temporary residents / 457 visa



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.



The Home Loan Experts team lead by Vivienne and very ably supported by Rojina and Sriya have been very helpful in getting my loan processed and the ensuing follow up.

My case was distinctive as it involved me living overseas with no track record of financial performance in Australia. I wish them the very best going forward.

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



My husband had previously been self-employed for less than 6 months and has just gone back to work full time (full time employed for about two weeks at the time). Even though we had a good history, all the banks turned us away as soon as they heard he hadn't been in his current employment for very long.

Mohit and Sam worked with us and got us approved for the money we needed to buy our farm. We will definitely be working with them next year when we need a construction loan to build on the farm. I have recommended them to everyone.

Even if it is not difficult for you to get a loan through a bank, I would still use the brokers. It takes the stress out of the situation and they just manage the whole process and keep you updated with everything, rather than you having to chase up the bank about everything little thing and talking to a different person every time!



My husband and I have used the Home Loan Experts three times now with a successful outcome every time.

No job has ever been too hard, despite our situation being somewhat challenging with my husband being newly self-employed. Their customer service is fantastic with speedy and helpful replies to all emails and phone calls.

I highly recommend Home Loan Experts and their services! A special thank you to Amine and Sarah for all their help!

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



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.



Thank you Jenish and Ganga for your awesome services.

There was absolutely nothing straightforward about our home loan! Phone calls and emails were always answered very quickly, no matter how silly the questions were.

Your knowledge, expertise and perseverance made us the proud owners of our very first home. We definitely have no hesitation recommending Home Loan Experts.




Sheng Ye and Sanju Kafle from Home Loan Experts were very professional and efficient in my home loan. As refinance is a complex process of finding a new lender and reduce interest rate costs.

Sheng Ye and Sanju Kafle carefully analysed my conditions and help me find a new lender and saved a lot of investment costs! Your effective work has made me have a new life.

I will highly recommend Sheng and Sanju to my friends who need experts home loan!



After an ongoing battle trying to deal with ANZ (customers since 2001, 2 renovations under our belt and impeccable serviceability record) we turned to Home Loan Experts.

Nirayu and Ayush offered excellent service. They introduced us to a lender and had everything approved very quickly. Their communication was efficient and nothing was too much trouble. I highly recommend them.

I would not even contemplate approaching any of the big banks, go directly to Home Loan Experts. Thanks again!




Romy and Rojina were amazingly helpful, and thanks to them we now have our dream house!

Getting the initial pre-approval took longer than we'd been advised - which meant we weren't able to bid on the house we'd initially wanted - although to be fair the hold up was entirely with the bank - Romy and Rojina moved heaven and earth to try and get things done by our deadline.

We've subsequently bought something else which we like better and if we were in the same situation I wouldn't hesitate to use them again, the only thing I'd do differently is trying to allow more time for the initial pre-approval.


Kuala Lumpur

Romy and Binay were very helpful and responsive. they made sure the journey from application to the settlement was as smooth and as stress-free as possible.

I appreciated the quick turnaround on all queries and proactive support throughout. No hesitation in recommending Home Loan Experts - great service and got us a great rate too!

Gifted deposit



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

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.


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!!


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



We simply can not speak highly enough of Mohit and Aarya from Home loan experts.

Mohit, in particular, went above and beyond to secure the best possible mortgage deals specifically suited to our requirements. Everything was clearly explained, their knowledge, communication and service and he were fantastic.

Such a great professional team who was available 24/7 to answer our numerous requests. Mohit, your tireless hard work to get our purchase across the line for us was so appreciated and truly believe that it would not of coming to fruition had we not had you on our side.

Elaine and Matthew


Thanks for all your hard work and efforts in following through with the successful completion of our home loan.

Your persistence and timely resolution of issues paid off despite all the obstacles thrown our way. We will have many happy years ahead for us at the snow thanks to you both!