Mortgage Broker

Nirayu believes his objective as a mortgage broker is to find the best possible solution for his clients even when they have a tough situation.

If not, he guides them on what they need to do so they can qualify in the future.

Nirayu’s specialties

Nirayu has built an impressive understanding of the credit policies of almost 40 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:

Nirayu’s background

Nirayu’s mortgage broking career grew from a broker support role, assisting and gaining invaluable knowledge about the mortgage process.

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.


  • Certificate IV in Finance and Mortgage Broking.
  • Master of Business Administration.
  • Training in Anti-Money Laundering (AML).




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!

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