Last Updated: 1st April, 2024
Home Loan Experts is a top mortgage brokerage in Australia that is here to help you achieve your dream of owning a home. Our team consists of experienced Nepali mortgage brokers who are experts at making mortgages and financial decisions easier to understand. We want to give you the confidence you need to enter the property market and make informed choices. Our brokers speak several languages, including English, Nepali, Newari, and Hindi. We also have a team member who communicates in Nepali sign language as well. This means we can communicate clearly with many different clients and make sure nothing gets lost in translation. We also know the Sydney property market inside out. Our brokers use their knowledge of the latest trends and conditions to give you the best advice possible. At Home Loan Experts, we’re more than just brokers – we’re your partners in buying a home.
Our Nepali Mortgage Brokers’ Unique Offerings
As a Nepali borrower, you may face specific challenges and have unique needs. These could include a limited credit history, language barriers, cultural preferences, and the need for a broker who respects your cultural values. Our brokers understand these challenges and are equipped to address them.- Specialised Expertise: Our brokers have developed a unique skill set to address the individual challenges Nepali borrowers face. Our approach to service delivery respects and accommodates the unique cultural nuances and preferences of our Nepali clients, fostering an atmosphere of mutual respect and understanding.
- Communication In Your Language: We deliver all crucial information, valuable resources, and expert advice in Nepali, Newari, and Hindi, ensuring clarity and understanding. This strategy helps break down language barriers, empowering borrowers to comprehend each aspect of the mortgage process fully.
- Extended Support: Our commitment to our clients extends well beyond the point of loan settlement. We provide ongoing support, assisting with a broad range of future financial decisions and addressing any loan-related queries that might arise over time.
- Accessible Across Australia: Regardless of your geographical location within Australia, our dedicated team is always available to assist you on your journey towards home ownership. We have designed our service model to be accessible and effective nationwide.
- Expansive Loan Options: Through the power of our wide-ranging networks and comprehensive knowledge of the Australian mortgage market, we offer an extensive array of loan options. With over 50 lenders on our panel and access to hundreds of mortgage products, we can confidently guide you towards the most suitable solutions for your circumstances.
HLE’s Nepali Mortgage Brokers In Sydney
| Name | Languages Spoken | Education | Certifications |
|---|---|---|---|
| Anil Joshi | English, Nepali, Hindi | Bachelor’s Degree in Business Administration | Certificate IV in Finance and Mortgage Broking |
| Ajar Rajbhandari | English, Nepali | Bachelor’s Degree in Business Administration | Certificate IV in Finance and Mortgage Broking Trained in Anti-Money Laundering and Counter-Terrorism Financing |
| Aseem Sangachhe | English, Nepali, Newari, Hindi | Bachelor’s Degree in Business Administration, specialising in Banking and Insurance | Certificate IV Finance and Mortgage Broking Management |
| Gunjan Shree Thapa | English, Nepali | Master’s in Business Administration | Certificate in IV in Finance and Mortgage Broking |
| Jenish Manandhar | English, Nepali, Newari, Hindi | Bachelor’s Degree in Business Administration (General Management) | Certificate IV in Finance and Mortgage Broking Management |
| Manish Rana | English, Nepali | Bachelors in Business Studies | Certificate IV in Finance and Mortgage Broking Certificate IV in Training and Assessment |
| Mohit Lal Pradhan | English, Nepali, Newari, Hindi | Diploma of Finance and Mortgage Broking Management Bachelor’s Degree in Business Administration (Finance Major) Master’s In Marketing |
Certificate IV in Finance and Mortgage Broking |
| Nirayu Shakya | English, Nepali, Hindi | Master’s Business Administration | Certificate IV in Finance and Mortgage Broking Training in Anti-Money Laundering (AML) |
| Prakash Rai | English, Nepali, Hindi | Executive Master’s in Business Administration | Certificate IV in Finance and Mortgage Broking Management |
| Pramesh Vaidya | English, Nepali, Newari, Hindi | Bachelor’s Degree in Business Management Specialising in Accounting | Certificate IV in Finance and Mortgage Broking Trained in Anti-Money Laundering and Counter-Terrorism Financing |
| Rojan Paudel | English, Nepali | Master’s in Business Administration | Certificate IV in Finance and Mortgage Broking Training in Anti-Money Laundering (AML) |
| Rojina Shivabhakti | English, Nepali | Master’s in Business Administration | Certificate IV in Finance and Mortgage Broking |
| Romy Dhungana | English, Nepali, Hindi | Bachelor’s Degree in Business Studies | Certificate IV in Finance and Mortgage Broking Management Anti-Money Laundering and Counter-Terrorism Financing – Finance Brokers Association of Australia (FBAA) |
| Sid (Siddhartha) Bajracharya | English, Nepali, Newari, Nepali Sign Language | Bachelor’s Degree in Business Administration (Specialisation in Banking and Insurance) | Certificate IV in Finance and Mortgage Broking |
| Sunish Vaidya | English, Nepali, Newari, Hindi | Master’s in Business Administration in Entrepreneurship | Certificate IV in Finance and Mortgage Broking Management |
| Ujjwal Maharjan | English, Nepali, Newari, Hindi | Bachelor’s Degree in Information and Management | Certificate IV in Finance and Mortgage Broking |
Products We Can Help You Qualify For
Whether you’re looking for a basic home loan with low interest rates, a fixed-rate loan for consistent repayments, or a variable-rate loan for flexibility, we can assist you in finding the right lender that offers those products. If you’re self-employed or a small-business owner without traditional income documentation, we have access to lenders that provide low-doc loans tailored to your situation. For investors or others who prefer to pay only the interest portion of their mortgage balance, we can connect you with lenders offering interest-only home loans. We can also help borrowers who don’t have enough funds for an initial deposit by connecting them to lenders who offer no-deposit home loans, although it’s important to consider additional costs like Lenders Mortgage Insurance. In addition to the mortgage products mentioned above, we can help borrowers access various other options tailored to their specific needs. Contact us today for more information.Case Study
The Success Story Of A Nepali Client
Background: Biraj Shrestha, a client in Nepal, was introduced to our home loan services in 2019 by one of our employees. We initially managed to secure an affordable rate for his owner-occupied property of 3.58%, which we later negotiated down to 2.24%. This was during the pandemic. We also advised Biraj to take a combination loan, split 80-20% between variable and fixed, allowing him to enjoy a low fixed rate of 1.89% for two years and the flexibility of a variable rate at 2.24%.Problem: In 2022, the cash rate began increasing, causing the variable rate to rise. The variable portion of Biraj’s split loan with his existing lender eventually reached 6.6%. Furthermore, his fixed rate was set to expire in June 2023, which presented the risk of him falling off the mortgage cliff if no action was taken.
Solution: To address these issues, our broker, Mohit Lal Pradhan, took the initiative and contacted Biraj two months prior to the expiration of his fixed rate. Mohit acted swiftly, processing a refinance option and securing approval from another lender, which reduced Biraj’s variable rate to 5.59%. He also managed to obtain a refinance rebate for Biraj.