Mortgage Broker
When you work with Nirayu, you get someone who knows how to take the stress out of getting a home loan. He’s committed to helping you make confident, informed decisions every step of the way.
With over 10 years of experience in the Australian lending market, he simplifies complex lending rules, explains your options clearly, and negotiates strongly with lenders to get the right outcome for you.
He takes the time to understand your situation, answer your questions, and keep you fully informed throughout the entire process. Whether you’re buying your first home, refinancing, or investing, you’ll have his expertise and genuine support from start to finish.
Nirayu’s Specialties
Nirayu has built an impressive understanding of the credit policies of over 50 lenders to find the most appropriate solution for a customer’s situation so they’re one step closer to reaching their financial goals.
His areas of speciality include:
- SMSF/Trust Loans
- First Home Guarantee Schemes
- Low credit score/Bad credit loans
- Waived LMI (Doctors, Nurses, Lawyers, Accountants, Engineers)
- Low-doc loan/Alt-doc loans
- First-home buyers
- Property investment
- Low deposit and no deposit loans
- Refinance
- Guarantor home loans
- Non-residents
Nirayu’s Background
He quickly grew to the rank of an assistant broker, thus laying a foundation for his vast credit knowledge as one of our leading mortgage brokers.
For Nirayu, customer satisfaction and quality work are the two major pillars when working with his clients.
He asserts mortgage broking is more than finding a home loan solution for his clients.
It’s more about developing a long-term relationship with them through trust, a cornerstone value of his approach to mortgage broking.
Qualifications
- Certificate IV in Finance and Mortgage Broking.
- Master of Business Administration.
- Training in Anti-Money Laundering (AML).
Nirayu’s Client Stories
- Buying A Second SMSF Investment Property
- Home Loan Approval With An Unpaid Default
- Pre-Approval With A Retired Guarantor
Testimonials for Nirayu
I’d like to extend my heartfelt thanks for the outstanding support I received throughout my home loan journey with Home Loan Experts. What could have been a stressful and confusing process felt absolutely seamless thanks to the team's professionalism and care.
From the beginning, Nirayu was exceptional — friendly, highly knowledgeable, and fully committed to helping me understand my loan options. His guidance gave me the confidence I needed to move forward, and his recommendation proved to be exactly right for my situation. I’m incredibly grateful for his insight and support. Glad my brother recommended him and i was not left disappointed. Thank you!!
A big thank you also to Aashish and Sajal, who helped make the process smooth and stress-free. Their prompt responses, attention to detail, and proactive communication ensured that every stage — from paperwork to settlement — was handled with care and efficiency.
Overall, I’m beyond happy with the service I received. The whole team went above and beyond to make what could have been an overwhelming experience feel easy and manageable. I’ll absolutely be recommending Home Loan Experts to friends and family in the future.
Thank you again for your dedication, transparency, and exceptional service.
Rohini S
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We have worked with several bankers and brokers in the past, but our experience with Nirayu and his team including Aashish has been by far the best. From my initial inquiry, they made the entire process of securing both a land and construction loan smooth and stress-free.
What set them apart was their great communication—we were always kept in the loop, every step of the way. They took the time to understand our personal circumstances and listened closely to what we were trying to achieve. Rather than a one-size-fits-all approach, Nirayu tailored a solution that genuinely suited our needs.
Their turnaround was fast, their guidance was clear, and we felt fully supported throughout. Thanks to their listening and care, we’re now able to move forward with building our dream home. The process was just so much smoother than we expected.
We highly recommend Nirayu and team to anyone looking for a knowledgeable, responsive, and client-focused application.
Lisa
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