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Last Updated: 22nd November, 2023

We strive to go beyond the finance industry norm and deliver exceptional, personalised service to our clients.

Our company mission is to help people who need it most, and our systems, people & training allows us to be a medium sized business, yet still provide an exceptional service.

What our customers have said about working with us:

Discounts for professionals
Property investors
Bad credit history
Temporary residents
Non-resident
Guarantor loans
95% home loans
Low deposit
Gifted deposit
Refinance
Company title
Unusual employment
Commercial
Everything else

Property investors

Yu L

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When seeking a dependable mortgage broker, our friend suggested Pramesh, and we're grateful for the recommendation. Throughout the mortgage process, Pramesh provided invaluable support, offering professional advice that proved immensely beneficial. He adeptly guided us in finding the most suitable mortgage deal and ensured a seamless home loan application process. Notably, Pramesh was always readily available to address our inquiries and resolve any issues that arose. The exemplary customer service we experienced left us thoroughly impressed. Consequently, when contemplating the purchase of our investment property, there was no hesitation in selecting Pramesh once again as our trusted broker.

Emil & Millie

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Pramesh has been our mortgage broker for a number of years and has managed the lending for our principal place of residence (PPR) and for our investment property. He has also managed a refinance of our PPR. We found him to be incredibly proficient at his job and someone who works hard to achieve a positive outcome for us. We had some unique circumstances which he managed effectively and was also very responsive and knew how to navigate the lending process extremely well. For example, we were facing some difficulties in obtaining finance for our PPR and this was proving stressful for us as we seeking to buy a property quickly in an area we liked. We explained the situation to Pramesh, who quickly came up with a way forward that allowed us to achieve our goal of buying a PPR in Sydney. He then proceeded to execute on the plan with proficiency and focus – this showed to us that he not only would think of a solution but implement the solution effectively under tight timelines. This alleviated a lot of the stress and anxiety with conducting a PPR purchase. That is a big reason why we still using him as our broker and will continue to do so in the future.



Bad credit history

Patt C.

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Where do I even start, when I sent an enquiry to Home loan experts I was literally defeated and at the end of my rope, we had been mucked around by 2 previous brokers at different companies and treated like we didn't matter, the home we were renting was being sold and it looked like we had no chance of being able to purchase it due to damage to my credit from a previous relationship and being naive.

Then within an hour of hitting send Manish called me, he was 100% honest( unlike the previous brokers), and he gave me some advice (although it wasn't what I was hoping for) on how to repair my credit and put us back in the running to own our home. I wanted to be told I could bypass the tricky stuff and get a mortgage and had been told that by others however, Manish was not having any part of my fairy tale.

He gave me step-by-step instructions and put me in touch with a company that he promised would help me, I was a little skeptical but hey, what did I have to lose? So, I did what he instructed and within 4 weeks we were ready to start our home loan journey!

My partner is a contractor, this makes the process a little tricky and I'm in healthcare so my wages are made up of multiple increments, also a little tricky and the bank made us go through business banking( complete nightmare) but Manish and his team were 100% with us through every roadblock and worked tirelessly to navigate through every twist and turn that we faced.

I can't thank Manish enough, and his team(for putting up with my calls) and for never giving up on us, we now have our mortgage, with a top lender and even after settlement we know that we have Manish and his team behind us while we navigate this next chapter in our lives.

It may not have been the quick fix I was originally looking for but Manish's expert knowledge and willingness to seek the help I needed outside of his own business, with no guarantee I would even return to him for my loan, was invaluable and we will be customers for life!

Yugi

Greater Melbourne (Outer), VIC

I had problems during the credit check process and was rejected by a couple of banks. Then, I heard about 'Home loan experts' online and decided to apply. It was the best thing I did in 2021. They made my life easy, helped me find the perfect bank and provided the right suggestions to make my credit check process a smooth one. In a month's time, I got approval for the loan with a good interest rate and I cleared my judgement history too. I have found Home Loan Experts to be very professional people.
I would like to thank Rojan and Aakanchya for their help & guidance. You made our dream come true. I would highly recommend 'Home loan experts' to my friends.

Temporary residents / 457 visa

AJ

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We recently had the pleasure of working with Pramesh, and I must say that my experience was nothing short of outstanding. Pramesh’s expertise and personalised approach truly set him apart in the mortgage industry. Pramesh took the time to listen attentively to our unique visa status and our financial situation. He asked thoughtful questions and genuinely cared about our needs. It was evident that he wasn’t just trying to close a deal; he wanted to find the best solution for us. Pramesh didn’t offer a one-size-fits-all solution. Instead, he meticulously analysed our financial details and presented us with tailored mortgage options. His recommendations were well-researched and aligned perfectly with our goals.



Throughout the process, Pramesh communicated clearly and promptly. He patiently explained complex terms and answered all our questions. We felt informed and confident at every step. Pramesh’s attention to detail ensured a seamless mortgage application process. He guided us through paperwork, deadlines, and requirements, making the entire experience stress-free. Thanks to Pramesh’s expertise, we secured our first home that exceeded our expectations. His dedication to our financial well-being was evident, and we couldn’t be happier with the outcome.



In summary, Pramesh is a trusted advisor who genuinely cares about his clients. Not only did he help us, he also helped with my brother’s request. If you’re looking for personalised service and tailored mortgage options, I wholeheartedly recommend Pramesh.

Leah and Raymond

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First Home Buyer With Poor Credit

My wife is a New Zealand citizen and I am on a visa. We wanted to purchase the property we have been renting for over ten years. We had saved up, but we didn't have a chance to find someone willing to work with us until I found Home Loan Experts on Google. I rang the number on the web page and Rojan answered. Rojan was reassuring the first time talking to him. He told me that he deals with similar situations all the time. He guided us in improving our credit scores and found a lender willing to work with us. I had several phone calls worrying but he did respond and assured me that all was well in due time. We just settled on the property. We would tell anyone listening that Home Loan Experts are the best. My wife and I commend Rojan and Shalu for all their tireless work, even during the holiday season.

Guarantor loans

Kyla

VIC

Shabba helped me to get my home loan.

I can't recommend her highly enough, she has great communication and excellent knowledge. She helped every step of the way. Would definitely recommend to others.

Jason

VIC

Jenish and the team at Home Loan Experts were able to guide us through the minefield of first home ownership.

Our previous involvement with another popular broker went very sour (and somewhat scary) due to the incompetent actions of that other broker. Jenish and Home Loan Experts really saved the day by taking over and helping us through a very difficult and stressful (but exciting) time in our lives.

Jenish and Ganga were both extremely patient with our NUMEROUS enquiries and questions, but yet never made us feel once that we were being a pain or annoying.

Jenish and the team were able to secure an amount much higher than our previous broker, and this was due to their attention to detail and persistence in dealing with the lender to ensure the best result for us.

Very happy and highly recommended.

95% loans / No genuine savings

Jaskeerat

QLD

The team at the HLE is very hard working and committed. Communication is also great.

Jenish and Sharon worked very hard for my loan application. Their friendliness made this overwhelming experience easier.

Keep up the good work guys.

Dexter

Yatala, QLD

I had been previously declined by the big banks due to not enough savings and a personal loan situation. This was despite the help of my previous broker who only had access to certain banks with the majority being big institutions.

Through some google searches, I found Home Loan Experts and was assigned Vivienne as my broker. She's so friendly to deal with and was always on my side to support throughout the loan application processes. She's always there to give me advice and be supportive, which meant a lot to me. Finally, I secured a bank loan for my first home owner occupied property with only a 5% deposit.

A big thank you to Vivienne Than from Home Loan Experts! I would definitely recommend her and Home Loan Experts to any of my friends who are facing the same situation.

Unusual employment

Joy Phillips

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Home loan experts did an exceptional job finding us a suitable home loan. Prakash, Biraj and their team were very easy to communicate to and all emails and questions we had were answered promptly. I felt that I could ask them anything, and it wasn't a bother. I'm not computer savvy so i'm sure it was exasperating for them to have to deal with my emails.

They were able to find us a loan when another loan company that we approached at first wasn't able to help us because my partner had only been employed with his recent job for only six months. They were able to get us pre-approval without a house in mind, and unfortunately, it took a while for us to find one in this current market. And when we finally found a house, it was very stressful because we only had four weeks until settlement. My conveyancer was worried if we wouldn't get final approval on time but Prakash assured me that we will. And true to his promise, he and his team delivered and we had final approval within three days after it was submitted.

We are very grateful and happy that we chose Home Loan Experts and were given Prakash and his team to help us get the loan that we needed. We will recommend Home Loan Experts to family and friends. Thank you so much.

John A

Central Queensland

Unbeatable, Uncomparable... Enthusiam & Persistance!

My Partner and I have a unique situation to say the least with newly established business, International Trade and Previous bankruptcy. Nirayu from the Home Loan experts, never said no. In every instance he was able to work through our circumstance and effectively communicate the situation to our lender. Nirayu gave us confidence throughout the process and clearly defined what steps we had to follow which got us to our dream investment property. Nirayu was always a phone call away and made it feel like we were a team fighting for the same objective. We would recommend Nirayu and the team to anyone, whether the situation is complex, or you simply want a better deal on your current mortgage! Its refreshing to see service like this still exists.

Discounts for professionals

David L

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Great Understanding And Excellent Outcome

If you are a medical professional, ask for Romy Dhungana, who has a good understanding of different banks and their offering to doctors (e.g. 90% or 95% LVR without LMI, contractor requirements, etc.) He was able to deal directly with the health banker to negotiate a very competitive loan, which was also complicated by other factors such as maternity leave. Would highly recommend!

Sylvia

NSW

Very helpful and professional. The entire process from beginning to end was very smooth and well communicated. Jenish and Rojina were very helpful and made it very easy on our first property purchase.

I would highly recommend this team and would use their services again!

Low deposit

JoAnna A.

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My Husband and I met later in life and had no way of saving the 20% deposit for a home of our own. We had called and emailed at least 10 different brokers/lenders to see if we could get into our home with our rental history as proof of genuine savings.

All 10 of them either laughed, said we needed at least 10% of the property value in our account, and 1 broker even hung up on us after I sat on the phone with him for half an hour providing all of our details!

My last ditch attempt was to make an enquiry with Home Loan Experts, and I wasn't really expecting much to be honest because we had been told No so many times. I spoke to Rojan Paudel and he didn't laugh, he didn't make me feel small. He simply said "I think we can help you".

And help he did! Rojan and Shalu Pradhan and their team were absolutely incredible. Within 2 weeks, we had conditional approval to go "shop" for a house. Within 4 weeks we had full approval from the bank and we are now about to move in to our dream home that a month ago we never thought would be possible. Rojan, Shalu and Angela were just amazing and so responsive and professional and I don't mind saying that I cried when we got the approval letter from the bank.

My advice for those who think it is impossible, don't give up. Go straight to Rojan and Home Loan Experts to help you achieve that dream of owning your own home.

We went from no hope to having it all! And we could not have done it without Rojan, Shalu and Angela. Amazing service, I'd give them 10 stars if I could.

Thank you to you Rojan and Shalu, we are so incredibly grateful for what you have done for us. Never underestimate what you are doing for people, it is people like yourselves who help others dream big and achieve those dreams.

Thank you, thank you, thank you!!

Daniel B.

Adelaide, SA

Excellent customer service and able to meet our unique needs

Nirayu and Sayub provided excellent customer service throughout the whole loan approval process and understood our needs from the beginning.
We were purchasing a property off a family member at a price below market value. Our goal was to find a lender that based the LVR on the market value of the property, not the offer price e.g. a favourable purchase.

Nirayu instantly understood our needs and recommended suitable lenders. Additionally, Nirayu and Sayub organised several bank property valuations, giving us the option to select the one with the highest market value (and effectively smallest deposit needed).
An added bonus, the interest rate of the loan was one of the lowest on the market.
Throughout the process, Nirayu and Sayub kept us promptly informed of any updates.
Thank you for your superior service to meet our needs as well as your patience

Refinance

Seth & Van

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When we began the process of re-mortgaging our home, I didn't know where to start. I had called banks and credit unions who all seemed to pass me onto someone who never followed through with what they claimed. It was a blessing to come across Pramesh, who not only followed thru, but followed up and assisted at every step of the way. If I wanted to consider a multiple options, his advice was considered and he had no problem doing extra work to ensure I was 100% happy with the offer.

We have now had three mortgages assisted by Pramesh and consider him part of our decision making process.

On top of his expertise and professionalism, he's also a very nice guy who is a pleasure to deal with in every circumstance.

Charles C

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My brother and I first engaged Pramesh as our broker back in February 2023 to help purchase our initial property together. Our home loan application was a bit more complicated because I had been previously bankrupt and a couple of other brokers I had contacted at the time could not help me. With Pramesh knowledge and guidence this was not a problem and it was solely due to Pramesh expertise that my brother and I were able to purchase our first property together. Pramesh was very patient and answered any questions that my brother and I had. Pramesh even went above and beyond to follow up after settlement had occurred to find out how my brother and I had settled in which was above and beyond.

In February this year my brother and I approached Pramesh again to refinance our home loan and also set up an investment loan. Again this was not a problem for Pramesh who made the process so much easier and again was patient, answered any questions my brother and I had and followed up after settlement. I would have no hesitation in engaging Pramesh services again and also recommending his services when the opportunity arises.

Non-resident

AFB

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Good Job Finding The Hardly Available Niche Loan Product For Our Needs!

I was very happy with the services of Home Loan Experts and our mortgage broker Romy. HLE apparently has a wide network of lenders, and they can service customers with need for niche products. We are a non-resident married couple with the income of the non-Australian citizen member of the couple needed to support the loan, but without the associated costs of extra stamp duties for foreign ownership. Standard bank products would work for this case, but HLE found the narrowly available solution for us.

Andrew C.

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Excellent Communications! Smooth Experience.

Romy and Atul were fantastic with their prompt and frequent communications from initial enquiries right through to post settlement.
When you a making a huge financial decision, you are often unsure and you have many questions. So the experience with Romy and Atul was so positive, as they were prompt and concise in their responses to my email. They were also always available for a call when needed.

I first engaged with Romy three years ago just to enquire about things but at the time, I wasn't fully committed to buying a property. Romy's responses were prompt and personable, which led me to check in with more questions from time to time as I was getting more serious. Finally when I was getting closer to committing to buy, Romy was able to suggest relevant products that I actually would have had options to choose from. These were a set of fixed and variable products from a couple of different banks that would actually lend to overseas investor (like myself). These were followed up with a call to talk through the products in more detail and they were more than happy to answer any questions. Through these communications I sensed that Romy has a deep knowledge of the market and that he has the relevant relationships with the banks.

The experience with Home Loan Experts has been nothing but positive. I would definitely do business with them again. I would highly recommend them to family and friends.
Thank you!

Gifted deposit

Peter

Hobart, TAS, AU

First time user of Home Loan Experts...happy to recommend to anyone looking for a loan or having trouble with their current broker/bank, which was my situation. Preeti was super and ran like made finding what I needed and Saujan just finished it off for me and made sure things were on track. Well done guys keep the good work up.

Mark

QLD

These people are really the home loan experts! Azita was a lifesaver and helped us through a very difficult home loan application.

Company title

Michelle & Alex

Matraville, NSW

After so many complications in getting a loan for our company title property, a friend recommended Paul Da Silva when we decided to refinance.

Paul made the process so easy; because of his extensive knowledge and experience, every hurdle was dealt with promptly and stress-free without having to supply more and more documents.

We highly recommend Paul and are very happy with the deal he got for us and the advice he provided. Many thanks, Paul.

Commercial

Mehrdad K.

Doncaster, VIC

They did what at least 5 other brokers could not do for me.

Hi everyone,
I'm an existing and multiple-time-returning client of Home Loan Experts. I'm an investor, intensively investing in properties during last couple of years. Because of this I have ended up with so many queries under my name for credit checks which is not in interest of lenders at all. After getting three investment loans, I started getting rejections from so many lenders and I have been told by all of them (small and big) to stay away from applying for loans for while as there is so many queries under my name in credit check systems and some other reasons none of which made sense to me.

Finally, I contacted Home Loan Expert and MANISH, a hard working broker who spends a lot of time on everyone's file before putting an application through which may potentially brings you just a useless query under your name, checked every thing in details and even talked with the assessors from potential lenders and explained my situation. He had got the green light from them and put my application through and exceeded my expectations. I asked for one loan and he got me a pre approval for another loan as well. To make the long story short, I have already had those two loans settled, and another loan has been also approved, waiting for settlement.

SID the other broker who has cooperated with MANISH through the whole way is an extremly polite, patient and hard working man, offering you a perfect experience during your loan application journey.

you also deal with their customer service departments after your loan settlement regarding any question you may have about your loan. SHOVANA from that department is also a gem in this market.

In summary, I definitely recommend Home Loan Experts as they are so helpful, responsive and hard working.

Kozzy S

NSW

Commercial loans are very risky and complex. Sole traders like me often find it very hard to provide required documents. But these guys really did a great job for me to get a commercial loan.

They replied my emails, and answered all my calls all the time and always on time. I did talk to other brokers about my issues but they weren't really helpful at all.

Home loan experts were fast and clear in loan proceedings. Thank you guys. Cheers!!

First home buyer

Sally

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When I was beginning the process of purchasing my first home I had the very good fortune of finding Pramesh. The process of buying a home is daunting at the best of times, but I quickly felt safe in Pramesh’s capable hands. He went above and beyond to help me, and my parents who were acting as guarantors, understand the process at every stage and built a solid rapport with all of us. He kept in regular contact with updates and was so patient with my array of silly questions!

I am a proud new home owner (something I thought I would never do alone!) largely because of Prameshs encouragement,
assistance and support.

Pramesh and his team felt more like friends in the end and I’m so happy I chose him as my broker.

Sirish

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We were planning to buy our first ever new home in Sydney. As new residents without much knowledge of the local real estate market, we felt overwhelmed by the entire process. Fortunately, through a referral, we contacted Pramesh.

From the very first meeting, Pramesh's expertise and deep understanding of the Sydney real estate market were evident. He patiently explained the various aspects of purchasing a home, from understanding market trends to navigating the legalities and paperwork involved.

Pramesh took the time to listen to our needs and preferences, helping us narrow down our options to neighborhoods and properties that suited our lifestyle and budget. His guidance was invaluable during property inspections, pointing out details we would have overlooked and providing honest assessments of each home’s pros and cons.

Throughout the negotiation process, Pramesh's experience shone through. He advocated on our behalf, ensuring we got the best possible deal without compromising on our needs. His transparent communication and regular updates kept us informed and reassured every step of the way.

With Pramesh’s help, we finally found our dream home in a lovely suburb of Sydney. His support didn’t end there; he also provided us with contacts for reliable movers and advice on settling into our new community.

We are incredibly grateful for Pramesh's guidance and support during this milestone in our lives. His professionalism, dedication, and personal touch made the entire home-buying experience smooth and enjoyable. We couldn’t have done it without him!

Fixed Rate

Nihar N

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Best home loan agents ever
Rojan and Biraj are the best. From getting the pre-approval till final settlement, they went above and beyond to help us at every step. They were very quick to respond my emails and phone calls. When I needed to expedite the final payment, they really helped me escalate with the lender and got it done in a matter of 3 days. If you want peace of mind, I strongly recommend Home Loan Experts.

Sambo

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Easy, convenient and communicative

Pramesh and team have been great, have used them twice now. Always happy to help, listens to our needs and finds a great offer. I was sceptical about an online only business but they have met and exceeded my expectations each time.

Unusual Property

Edwin

NSW

Job well done

Bibek and Vivienne were excellent! My wife and I wanted to get a serviced apartment through a self-managed super fund[SMSF] which is a lot more complex than just getting a personal loan for a property that is not a serviced apartment. Also banks at this time in Australia no longer loan to SMSF! Many brokers just did not get back to us with our enquiries to broker a loan despite our politeness and we suspect this was due to the complexity of our loan but not Home Loan Experts.

Vivienne was our initial contact and right from the start made us feel that home loan experts could get the job done! Once Vivienne had secured a lender that would lend to our SMSF, Bibek took over with the process until finally settling the property purchase.

There was a lot more paperwork required with serviced apartment SMSF purchase compared to a non serviced investment property purchase we did but Bibek and Vivienne with clear, calm and professional phone and email communication helped us complete this purchase peacefully. After an exhausting process of looking for a loan on our own plus with other brokers we finally came across home loan experts and I am so glad we did. Job well done Bibek, Vivienne and Home loan experts!

Sergey P

Queensland

My experience with the Home Loan Experts team was fantastic! I needed to get an 80% LVR loan on the trust name for the property located in a high-density building in a complex that also includes a hotel. While this would be an absolute no-go for many banks, Manish was able to clearly understand my requirements, help me with the steps to boost my borrowing capacity and screen the financiers who might be able to provide this loan. When the property got rejected by the bank, Manish was able to successfully escalate with the bank's high credit team and get the property accepted. On the execution side, Ujjwal was making sure that the process of getting final approval gets smoothly, checking in with the bank regularly and advising me if I need to take any steps. The communications was great and prompt. We got the final approval on time. Last by not least, Dristi kept her finger on the pulse of the bank for the certification of the loan documents making everything done within a week timeframe from the final approval to the settlement. I was originally very skeptical about working with a mortgage broker, now I know that I will go to the Home Loan Experts if I need another loan. I highly recommend them!

Unusual Property

Sarah W

NSW

My partner and I contacted the home loan experts after failing to get our finance approved from one of the larger banks. Manish, Dristi and Sid were incredible and helped us get formal approval on our dream property on acreage. Despite previous banks refusing to take on the property due to it being off grid and solar powered, Manish and Dristi worked hard to ensure our outcomes were met In finding a bank that suited our needs. Despite all our communications occurring either via phone or email, the service they provided was professional, prompt and friendly. I would highly recommend using Manish, Dristi and Sid to anyone in the future looking to purchase their dream home.

Favorable Purchase

Quade H

WA

Manish helped me out and was quick and easy to work with even with my unconventional situation where other brokers said it was impossible.

PAYG Contractor; Refinance

Ted L

Victoria

Great experience again with Home Loan Experts! Manish and the team have done a great job for my mortgage refinance. Highly recommended!

Common Debt Reducer (CDR); Australian Expat living in Singapore

Paul W

11 Toh Tuck Road, #03-45 Singapore, 596290

Manish and team are very responsive and professional. They help me along the way to get the best mortgage loan in the market quickly and they did it on time for my purchase of property in Australia.
Highly recommended!

Everything Else

Pratheep S

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My home loan experience with HLE was excellent. I had clear directions and my expectations were aligned.
All my queries were answered timely. Thank you for nominating the correct product based on my financial circumstances.
I really doubt If I would have come across this product if not via HLE. I can only wish that I reached out to you/ HLE earlier.

Grateful for your assistance.

Mark & Desireé

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We first approached ‘HomeLoan Experts’ in February 2021 to help us find an appropriate home loan to purchase our first home in Australia. Pramesh responded extremely quickly, was attentive (we are in WA and he still communicates with us after his own AEST business hours) and ensured that he understood our home loan needs and financing ability. As a single income household at that stage, Pramesh was able to procure a number of competitive home loan quotes, relative to what we could find ourselves. We applied for the recommended home loan and Pramesh was there every step of the way to guide us through the piles of documentation and the myriad of property mortgaging processes involved– including taking different State laws into account.

We were successful in buying the family home in the suburb we wanted. We were already at that stage in agreement that this was the single best service we had experienced across the board in Australia.
The home loan we had originally entered had a ratchet up provision in the mortgage, however. Well before the ratchetting increase period, in September 2022, Pramesh contacted us about sourcing a different home loan provider at better rates AND with a material one-off cash payment. As for the original home loan, Pramesh guided us through the onerous process step by step, including giving us a number of competing home loan quotes.

During this process, Pramesh yet again exceeded the already high benchmark we had experienced with him. Our household income at that stage had now increased to include a regular top-up amount that the home loan providers were not comfortable considering. Pramesh personally negotiated with the preferred home loan provider to ensure the top-up was included, resulting in a much better home loan rate.

Since then, given that we are very comfortable with the current home loan provider, Pramesh has been involved in ensuring that we are now receiving the home loan provider’s most competitive residential home loan rate.

On a final note, Pramesh is always available to discuss any aspect of our home loan. And he regularly lets us know about opportunities in the home loan environment. We have been so impressed with Pramesh’s attention and expert guidance that we offer his contact details to our friends wanting to navigate the property market.

Finanacing on Probation

Rob

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Took the stress out of our mortgage

Needed to find a mortgage provider who would provide financing whilst I was still on probation in my new job.

Mohit, Aseem and Ishu were awesome. Great communication throughout and a relatively stress-free process

Home Loan

Matt

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No Bar Is Too High

Miracle workers Rojan and Shalu above and beyond the second time using their service they must have an incredible bond with the lenders it seems nothing is impossible.

Luke A

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Both Rojan and Shalu were a pleasure to deal with. We have used Home loan Experts services a number of times now and have been impressed on each occasion. From our application, all the way through to settlement, they kept in constant contact and ensured the process was as smooth as possible.

Highly recommend Home loan Experts!

Self-employed

Beau

Greater Melbourne (Metropolitan), VIC

They Got Me Across The Line Despite Very Complex Income Circumstances

Aseem and Hrimun were excellent every step of the way. As a self-employed person that is also getting a PhD stipend, I didn't think I'd be able to get approved for a home loan but they got me approved and helped me every step of the way. Thanks so much! 10/10 Highly recommend!

Wendy Tas

Tasmania

Excellent!! On The Ball! What A Team!!

I have had a very positive experience with Home Loan Experts. Manish, Sid, Sanjeena and Abhinas were always on the ball, responding to my emails quickly and keeping me up-to-date with the loan application.

I must say at first, I was hesitant and hoped that I was not giving my details to a scammer. There was no worries. This team was truly professional in every way. I was not eligible for many loans as I have an ABN less than 2 years old, my last tax return was minimal, although my income had increased. This team asked all the right questions for me to prove I could afford the loan. I did not want a loan I could not afford.
Over all the experience with this team from Home Loan Experts was excellent!!!! And to top it off they did manage to get a loan for me, and with a lower rate than many loans.

Thank you to a wonderfully professional team.

Expat

Okada E.

New South Wales

Responsive and Professional Service

I really appreciated the responsive, professional and quality service I received from Home Loan Experts, and it was a pleasure to work with Pramesh and Rojina. My case was a bit particular, given I was going for an expat loan on two properties, and the settlement process fell in the midst of my international relocation. Despite the many challenges on my side, they showed amazing patience and adjusted to my changing requests. I was able to secure finance for both properties in time, thanks to them. I would highly recommend Home Loan Experts, especially for those needing an expat loan, as this is an area in which they specialise.

Mark T Smith

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Another Great Deal Done!

We recently used Sheng and his team at Home Loan Experts for a second time, given their exceptional service on our last purchase. We had some challenges with Australian banks given our residency in Taiwan, and HLE delivered again. Clear, prompt, quality service with great communication every step of the way. Sheng, Sujeena and team, Well done and thanks again!

Hobby Farm

Payam Z.

The Mallee, VIC

Hobby Farm Loan

In one sentence - can not speak highly enough!!

After 3 years of searching, we found a 78-acre property that we loved at first sight and ticked all our boxes.

We have done lots of research and understand that getting a residential loan for a hobby farm is a challenge, and your mortgage broker needs to be an expert and know their stuff well. So if you looking to buy a hobby farm, Robert and his team are absolutely a legend and go above and beyond. They are the real EXPERT!

Robert explained everything in detail (even some of our silly questions) and made everything very simple to understand. In the end, they even negotiated on our behalf and reduced the interest rate lower than initially promised!

Construction

Renovator

Sydney, NSW

More Than I Expect From A Mortgage Broker

Home Loan Experts first helped me get approval for a construction loan that was higher than any other mortgage broker was able to get me at the time. They communicate clearly with you throughout the process and are very professional, as you would expect.

What I am blown away by, however, is the post-settlement process. Home Loan Experts keep in touch and want to continue to assist with enquiries even after the settlement has been completed. They help me with communicating with the bank around any construction-related queries or milestone payments, organising interest rate reviews for my loans, and so on. No request is ever too hard for this team and the fact that they have their own relationship manager with the banks ensures that all my loan-related queries/needs are addressed. From my perspective, it is all easy as I have a single point contact via the broker.

It doesn't matter who I have dealt with at Home Loan Experts - Pramesh, Sagar, Silvia, Rajat, etc - they all have the same customer-centric service and can-do attitude.

Randika W

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Exceptional Service! Truly Are Experts In Their Field

Ujjwal, Sadikshya, Rajat and their team were exceptional at finding me a lender within a 2-week turnaround time frame with an excellent loan package. They were willing to go above and beyond for their clients and have made this journey incredibly smooth, reliable and efficient process and the team never failed to keep me updated every step of the way. The Home Loan Experts team were knowledgeable and kept me updated with current trends in the market. Very professional service for those looking for a mortgage broker who is truly an expert in their field. I highly recommend their services.

Construction

Simon B

Metropolitan Adelaide, SA

Thanks HLE!

Professional service and excellent communication over many months for variety of loan types.

Rachael

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Couldn't Ask For Better Service

Home Loan Experts should very much value Prakash and his team for all their efforts. Prakash navigated my personal circumstances and provided me with the best options to achieve my home goal of building. Providing the information was so easy and uncomplicated. I had always thought applying for a mortgage was scary and daunting, but this experience wasn't. Amara, who dealt with me on a day-to-day basis and kept me up to speed on where my application was within the process, was absolutely fantastic! I cannot speak more highly of her, to be honest. This is my first mortgage, and I am a single woman. And I did have a little wobble of worry and emailed her. She emailed me back within 25 minutes at 7:30 at night to put my mind at ease. You really can't say better than that! I am now in the drawdown period and being looked after by the customer care team, Silvia, and although I have only completed one drawdown this far, she has been helpful, replies to emails quickly and updates me on payment time frames. All in all, so far I would recommend Prakash and his team, specifically, to my friends and would use him in the future should I need to.

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Amanda and Dee

Sydney, NSW

Can’t praise them enough
Extremely pleased with their service and knowledge. They’ve been most helpful throughout the entire process. Jenish has been the best (!!), and Aakriti and Prabesh are always helpful and responsive. Thank you, guys!

Debbie E

Queensland

They certainly are Home Loan Experts...no other broker compares. I have no doubt that the success of my recent home loan lending application was due to the knowledge and efficiency of the Home Loan Experts Team. The whole process was seamless and easy, they kept in touch with me and offered guidance every step of the way. A massive thank you to Rojan, Shalu and the rest of the team who have made our dream come true!!!

Investment Property

Sanya V.

Greater Melbourne (Inner), VIC

Incredible

Home Loan Experts are an incredible team! Specifically Sid and Unnati, who were easy to communicate with, provided me with various options, and always ready to answer my questions. The whole process was so smooth and seamless. I will definitely come back, and recommend Home Loan Experts to my friends and family.

Hussnain M.

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Excellent Team Of People With Best Customer Service.

This is the second time that I am taking services from Home Loan Experts.
I have very good experience, and always received prompt responses during the stage construction loan process.

I will definitely recommend Home Loan Experts.
Well done Suchita and Prakash.

Second Home Loan

J and P

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Wouldn't Use Anyone Else But These Guys!!

From initial online enquiry to getting our home loan. The whole process was smooth and fluid. Our broker Preeti was very knowledgeable, knew the best product for our circumstance and kept in touch right to the end. Our specialists who kept us up to date while our application was being accessed by the bank were great and always available even for some of my silly questions along the way. Overall the best experience I have had with any broker and would recommend to anyone, family or friends for sure.

Ben W

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Brilliant Customer Satisfaction With A Great Outcome.

Working with Romy and the team at Home Loan Experts was a relatively stress free experience. Issues arose regarding lengthy contracts and extensions due to tenancy issues, however, Romy and the team easily adjusted to support where they could and even with extensions were always able to update and provide alternatives to the getting the process complete. The loan process itself was simple and easily managed and the communication was always second to none. I would highly recommend using the Home Loan Experts in the future to anyone, even if its just to ask a question.

Variable Rate

Georgia B

Greater Melbourne (Inner), VIC

Number 1 service !!!
The process was made easy, Jenish, Rojina, and Kritez have been amazingly helpful, always responding promptly and helping me all the way, and very patient with me! Am very grateful for all their help!

Would highly recommend them!!!

Andrew

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Rojan and Shalu go out of their way for amazing service!
I can’t recommend the team enough, especially Rojan and Shalu. They made things happen so easily and got me a great deal.

First Home; Split Loan

Reza S

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Perfect service!
The service that Jenish and his team provided was great. Very helpful. Great offer. I strongly recommend them.

  • No extra costs.

  • The process was very easy.

  • They provided helpful reviews of the properties I was looking at.

    • Home Construcgtion

    Dante M.

    Greater Melbourne (Metropolitan), VIC

    HLE is the 5* Hotel equivalent of brokers. They truly are experts! A+++
    As first-home buyers, we were apprehensive, and we decided to buy on a whim, we had not been planning for years. We had 2 other brokers lined up, one was simply incompetent, and the second very negative. In came HLE and they not only gave us much-needed clarity but they also changed our experience from horrendous to amazing!

    Jenish was brilliant, Deepika and Prabesh, who helps Jenish were equally amazing, and we got a good deal. Deepika's persistence to get the conveyancer and bank on the same page was award-worthy! And all this was done pleasantly; not once did we struggle to get an update, and every single email was positive and encouraging! Best exeprience ever!

    Home Construction

    Josh S

    Murrumbidgee Region, NSW

    Construction loan made easy
    I needed a loan for my land and a separate one for the construction. Jenish, Kirtez and their team took care of both. I had a tight budget for the loan I wanted and there was a lot of back and forth required with the bank but each time, I was told exactly what was required of me, typically just being sent the correct forms to sign and send back, while they did all the work and liaising with the bank. It was a bit of a lengthy ordeal (due to the complexity of the loan), but thanks to Jenish and Kritez, my part was easy, I can't imagine how long it would have taken if I had to do all the work.

    Thanks again for your help guys, I'll now get to have a roof put up before the Christmas shut down!

    Reprice

    Andrew

    Sydney, NSW

    Proactive Interest Rate Review

    Romy and Angela from Home Loan Experts contacted me proactively, and secured interest rate reductions from my bank, which couldn't be more timely as the RBA keeps hiking rates. This has put me in a much more comfortable position without going through the whole process of looking to refinance. Great result!

    Land

    Marie D.

    Perth, WA

    Another Positive Experience With Rojan And Team

    We have been through multiple refinances with Rojan and his team now. We recently reached out to them again to assist in the finance of a land we reserved here in WA. With a deadline to meet finance clauses, Rojan, Subi and Shalu all gave us conditional and unconditional approvals in very quick time frames. And it gave us peace of mind we won't lose our land. As always, the communication and service are exceptional and very smooth from initial enquiry all the way to approval. I will continue to recommend Rojan's services to my family and friends.

    Bhisan Raj KC

    Mark Splittgerber

    NSW

    The HLE team made the process of remortgaging our home loan straight forward and we were kept updated at each step of the way. Thanks to Bhisan and Sam for all your hard work!

    Brook Rutherford

    NSW

    I second thank 100%. My Mum Wendy said that Bhisan is her new best friend and was delightful. Thank you again and what a whirlwind you have assisted in such a huge way. I look forward to meeting you over dinner to celebrate soon