Senior Mortgage Broker
Having been stuck in the rental rat race in the past, Romy understands the power of paying off your own mortgage rather than someone else’s.
Too often he sees good borrowers being let down by the banks and believes that every Australian deserves a fair go at buying a property.
Romy's Specialties
Not many people are aware of how banks think and what it takes to get an application approved.
Whether you want to buy your first home or release equity to invest, he can help.
Romy’s areas of specialty include:
- First home buyers.
- Guarantor loans.
- Property investment.
- Low deposit and no deposit loans.
- Refinance.
- Equity release for all purposes.
- Non-residents including foreigners, temporary residents and Australian expats.
- Bad credit home loans.
- Self-employed, low doc and no doc loans.
- Waived LMI.
Even if you’re not qualified right now, Romy is committed to helping you get prepared to apply for a home loan in the future.
In that way, you’ll be able jump on a property before it get gets snapped up by someone else.
Romy's Background
Romy has several years of mortgage experience and has seen many changes to lending policies over his career.
Before becoming a mortgage broker, he was a loan administrator, supporting mortgage brokers in providing ongoing service to customers and ensuring that their mortgage was still meeting their needs.
He later took on the role of variations specialist and then assistant broker.
During his time at Home Loan Experts, he has helped literally hundreds of people who have been let down by the banks, including people with bad credit and non-residents.
Some of the biggest policy restrictions he has seen have affected Australian expats, temporary residents and foreign investors.
That’s why he’s developed considerable knowledge around specialist lending policies.
In that way, he’s able to provide his clients with a clear understanding of the home loan process and where they stand on getting approved for a loan.
Romy believes in making friends as he helps his clients through their home loan journey.
Delivering an easy and stress-free experience is always guaranteed with Romy.
Best Loan Administrator Finalist At The 2016 Business Awards
The main responsibilities of a loan administrator are to assess submissions, handle loan processing and handle customer needs particularly after settlement.
Before becoming a qualified mortgage broker, Romy was already able to quickly identify his client’s needs and was named one of the top loan administrators in Australia in 2016. No easy feat!
Qualifications
- Certificate IV in Finance and Mortgage Broking Management.
- Bachelor in Business Studies
- Anti-Money Laundering and Counter-Terrorism Financing – Finance Brokers Association of Australia (FBAA)
Romy In The News
- MPA Magazine – What should customers be asking their mortgage brokers?
Romy's Client Stories
Testimonials for Romy
We had an outstanding experience with Home Loan Experts especially with Romy Dhungana, Krijusha Vaidya, and Sejal Rawal. From the very beginning Romy and his team were proactive, transparent, and incredibly efficient. Even though we gave them very limited time to get everything organised, they stepped up to the challenge and made what seemed impossible, possible.
Romy has always been phenomenal his calm approach, deep understanding of the lending process, and ability to think strategically under pressure made all the difference. He took personal ownership of our case, guided us at every stage, and made himself available whenever we needed support or clarification. Krijusha and Sejal were also fantastic responsive, detail-oriented, and consistently ahead of schedule in coordinating the process.
Their commitment, attention to detail, and relentless follow-up helped us settle our loan without a hitch and much faster than expected.
We are truly grateful to Romy and his team for going above and beyond to get this across the line, and we’re looking forward to working with them for the next phase of our project.
Highly recommend Romy and the Home Loan Experts team to anyone seeking a professional, dependable, and highly motivated mortgage broker!
Kaushal T.
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Home Loan Experts understood what I needed help with from the very beginning
After having a number of issues trying to find a lender that would consider my RSUs as part of my Income, I eventually found the Home Loan Experts team. I was put in contact with Romy, Krijusha and Sejal who were extremly confident that they would be able to help.
After going through my detailed position, we found some success with a number of different banks who were take into account my RSUs.
With a little more work with the banks, we were able to secure some refinancing and a new construction loan for our future home. This was an excellent result after being dissapointed by the previous lenders we had been working with.
Thanks to Romy and team team!
Ben R
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