Mortgage Broker

James loves helping people regain control of their finances, educating them, and helping them to achieve their goals.

He gets the most enjoyment out of working with customers who were knocked back for a home loan and finding them the right mortgage solution for their needs.

James’ specialties

His areas of specialty include:

James’ background

James came to mortgage broking by a planned process of elimination.

He previously worked in sales but found it too pushy. He then tried financial planning which he found too constricting.

He really wanted the immediate and positive impact that comes when getting someone approved for a home loan.

This led him to take on a position as a credit manager at Westpac and St George. It was here he developed his understanding of credit policy.

These experiences allowed him to find his true calling as a mortgage broker, helping real people get to the root of their challenges, overcome them, and take charge of their financial future.

He found Home Loan Experts to be the right fit because it stands for everything he loves about the industry. They give people a chance to reach their goals and offer expertise in a home loan market that is filled with sharks.

In particular, James’ holistic approach to money management has helped his customers pay off their mortgage faster.

This strategy opens up doors for his clients to refinance to a sharper rate or access equity for property investment much sooner.

Besides this, he is skilled at developing mortgage strategies for investment purposes, ensuring that his clients stay within mortgage exposure limits and can continue building their portfolios with home loan solutions that best suit their needs.


  • Certificate IV in Finance and Mortgage Broking
  • Diploma of Financial Planning




My experience with home loan experts team Raul and Nirakar were simply awesome. They made my almost impossible loan to possible with different options and their skills.

During my loan documentation, I never had any issue in correspondence as they were very quick in any replies either emails or phone calls. Also, the way they explain the figures were very easy to understand.

I would highly recommend their team for any kind of home loans. Cheers.



To home loan experts, I can say that dealing with Raul Malate was a pleasure, in every way that I needed something he would act very fast and put all efforts into it. Thank you for the completion of the loan !!

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