Mortgage Broker Castle Hill - Home Loans Sydney, Refinancing & Investment Property Loans in The Hills District & Australia
Australia's trusted mortgage broker for Home Loans|
With over 12 years of industry experience, 40+ lender partners and elite accreditations including CBA Platinum, Westpac Platinum and St George Flame status — we deliver expert advice, competitive rates and end-to-end support from your very first consultation through to settlement. Our service comes at no cost to you — we are paid by the lender, not you.
Based in Castle Hill, proudly servicing The Hills District with expert home loans Sydney-wide and clients across Australia.
Pre-approval in as little as 24 hours · No cost to you · No obligation
Why clients choose us
Our broker status with Australia's leading institutions means priority processing, exclusive rates and dedicated lender support for every client.
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lender pays us
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turnaround
From enquiry to settlement in three steps
We've refined our process over 12+ years and thousands of successful applications to make your experience as smooth and efficient as possible.
Free strategy session
Every engagement begins with a complimentary, no-obligation consultation to understand your financial position, goals and timeline. We'll assess your borrowing power, discuss your options and map out a clear path forward — whether you're in Castle Hill, Sydney or anywhere across Australia. Our entire service is free; we're paid by the lender, not you.
Tailored application & lender matching
Submit your details and documents securely through our Middle platform. With access to 40+ lenders — including all four major banks — we compare hundreds of products to find the most competitive rate and structure for your situation. Our panel includes Pepper Money, MA Money, Bluestone and more specialist lenders for unique circumstances.
Approval, settlement & beyond
We handle every detail from submission through to unconditional approval and faster processing. We manage every detail through to settlement and continue supporting you with ongoing loan reviews to ensure you always have the best deal. Our relationship doesn't end at settlement — we proactively review your loan annually to keep you ahead of the market.
Comprehensive finance solutions for every goal
From residential mortgages to commercial lending, our team delivers specialist advice across the full spectrum of property and asset finance — serving clients in Castle Hill, The Hills District, Sydney, Melbourne, Brisbane, Perth, Adelaide and all across Australia.
Home Loans
Your loan structure shapes the life of your mortgage — from interest rates and repayment flexibility to offset accounts and redraw facilities. We compare home loan products across our panel of 40+ lenders, including all four major banks and specialist lenders, to secure the most competitive terms for your situation. Whether you're purchasing your first property in Castle Hill, upgrading your family home in The Hills District, or buying anywhere across Sydney and Australia, we handle the entire process from application to settlement. Our CBA Platinum and Westpac Platinum status means we access priority pricing and dedicated support teams that deliver faster approvals.
Calculate Your Repayments →First Home Buyers
Buying your first home is one of the biggest financial decisions you'll make, and it can feel overwhelming. We simplify the process by guiding you step by step — from understanding your borrowing capacity and saving for a deposit, through to government grants and stamp duty exemptions. In NSW, first home buyers can access full stamp duty exemption on properties up to $800,000 and a $10,000 First Home Owner Grant for new homes. Every state has different schemes, and we'll make sure you claim every benefit available to you. We work with first home buyers across Castle Hill, Sydney, Melbourne, Brisbane, Perth, Adelaide and all of Australia to turn the dream of homeownership into reality.
Explore First Home Buyer Grants →Refinancing
If your home loan is more than 1–2 years old, there's a strong chance you're paying more than you need to. Interest rates shift, lender policies change, and new products enter the market constantly. We conduct a free home loan health check — comparing your current rate and features against hundreds of alternatives across 40+ lenders. Many of our clients across Castle Hill, The Hills District, Sydney, Melbourne, Brisbane, Perth and all of Australia save thousands per year simply by switching to a better deal. We handle the entire refinancing process including the paperwork, valuations and lender negotiations, making the switch seamless.
Learn more →Investment Loans
Growing a property portfolio requires more than just finding a lender — it requires strategic finance structuring. We help investors across Australia maximise borrowing capacity, optimise tax efficiency through interest-only periods and offset accounts, and structure loans to protect existing assets while acquiring new ones. Whether you're purchasing your first investment property in Castle Hill or building a multi-property portfolio across Sydney, Melbourne, Brisbane, Perth or regional Australia, we tailor lending solutions that align with your investment strategy and long-term wealth goals. Our access to 40+ lenders means we find products specifically designed for investors.
Learn more →Pre-Approval
A pre-approval gives you a clear picture of what you can borrow before you start house hunting — so you can bid at auction or make an offer with confidence. We prepare your full application, gather the required documentation and submit to the lender on your behalf. Pre-approval can be secured in as little as 1–3 business days. This is especially valuable in competitive markets like Castle Hill, Sydney's Hills District, Melbourne and Brisbane where properties move fast. We also advise on how to position your application to maximise approval chances across different lenders Australia-wide.
Learn more →Commercial Finance
Commercial property finance is more complex than residential lending — every deal is assessed on its own merits based on the property type, tenant profile, lease terms and your business financials. We structure commercial loans for offices, retail spaces, warehouses, industrial units and mixed-use developments across Castle Hill, Sydney, Melbourne, Brisbane, Perth, Adelaide and all of Australia. Our panel includes specialist commercial lenders alongside major banks, giving you access to competitive rates and flexible terms that align with your business model and cash flow requirements.
Learn more →Construction Loans
Building a new home or undertaking major renovations requires a loan structured around construction milestones — not a standard mortgage. Construction loans release funds in stages as your build progresses, from slab to lock-up to completion. We manage the lender approvals, coordinate progress draw-downs with your builder, and ensure your loan structure minimises interest costs during the build phase. Whether you're building on land in Castle Hill, The Hills District, or anywhere across Sydney, Melbourne, Brisbane, Perth and the rest of Australia, we'll guide you through every stage of the construction finance process.
Learn more →Business Lending
Whether you need working capital, equipment finance, a business overdraft or funding for expansion, we connect you with the right lender and product for your business. We work with sole traders, partnerships, companies and trusts across every industry — from trades and hospitality to professional services and e-commerce. Our business lending solutions cover secured and unsecured loans, lines of credit, debtor finance and asset finance. We serve business owners across Castle Hill, Sydney, Melbourne, Brisbane, Perth, Adelaide and all of Australia, structuring finance that aligns with your cash flow and growth plans.
Learn more →SMSF Finance
Purchasing property through a Self-Managed Super Fund (SMSF) is one of the most complex areas of lending — requiring a limited recourse borrowing arrangement (LRBA), a separate bare trust and strict ATO compliance. Not all lenders offer SMSF loans, and those that do have very specific requirements. We specialise in navigating this process, working with SMSF-friendly lenders to structure compliant borrowing arrangements for residential and commercial property purchases. We assist SMSF trustees across Castle Hill, Sydney, Melbourne, Brisbane, Perth and all of Australia in growing their retirement wealth through property.
Learn more →Your complete guide to government grants and schemes in 2026
Buying your first home in Sydney doesn't have to feel overwhelming. We help you navigate every available grant, concession, and guarantee — potentially saving you tens of thousands of dollars.
First Home Owner Grant
For new builds up to $600K (or $750K for house & land). Available across NSW for brand-new homes that have not been previously occupied.
Stamp Duty Exemption
Full exemption on properties up to $800K. Concessions available up to $1M. This alone can save first home buyers over $26,000 in NSW.
First Home Guarantee
Buy with just a 5% deposit and pay no Lenders Mortgage Insurance. Government guarantees the shortfall — saving you up to $30,000 in LMI costs.
Help to Buy (Shared Equity)
Government contributes up to 40% equity for new homes or 30% for existing. Dramatically reduces your required deposit and ongoing repayments.
Family Home Guarantee
Single parents with at least one dependent child can buy with just a 2% deposit. No LMI required — a pathway to home ownership for single-parent families.
First Home Super Saver
Use voluntary super contributions (up to $50,000) for your deposit. A powerful tax-saving strategy — particularly beneficial for high-income earners looking to accelerate their savings.
We don't just find you a loan — we architect the right finance strategy for your life. From comparing hundreds of products to negotiating directly with lenders and managing every step through to settlement, our hands-on approach delivers measurably better outcomes. In late 2025, mortgage brokers arranged approximately 77% of all new home loans in Australia — proof that borrowers trust independent brokers to deliver better results than going directly to a bank.
Independent & client-first advice
We represent your interests, not the lenders. Bound by the Best Interests Duty, every recommendation is backed by rigorous analysis and tailored to deliver the best financial outcome for you.
Panel of 40+ lenders
Our extensive lender panel — including all four major banks — ensures competitive rates. As a CBA and Westpac Platinum Broker and St George Flame Broker, we access priority pricing and dedicated lender support.
Dedicated personal service
No call centres, no being passed around. You work directly with an experienced broker who knows your name, understands your situation and is personally invested in your success.
Available 365 days a year
Property doesn't wait for business hours — and neither do we. Whether it's a Saturday auction or a late-night question, we're here when you need us, every single day.
Your broker — Jwala Aryal
With over 12 years of experience across Australia’s leading financial institutions, Jwala founded 365 Home Loans to deliver the personalised, transparent service that clients deserve. He holds Platinum Broker status with CBA and Westpac, and is a recognised Flame Broker with St George.
These elite accreditations reflect a proven track record of volume, quality and client satisfaction — giving you access to priority service, dedicated support channels and exclusive lending solutions not available through standard channels.
See what your repayments could look like
Get an instant estimate of your loan repayments and stamp duty costs. For a comprehensive borrowing capacity assessment tailored to your specific situation, get in touch — our expert advice is completely free.
Could you be paying less on your current home loan?
We provide a 100% free assessment of your existing mortgage — reviewing your rate, structure and fees against current market options. Many clients discover significant savings they were not aware of. There is no cost to use our service — ever.
Check My Rate for Free →5.0 rating · 105 verified Google Reviews
“Jwala dai guided me with clarity and patience, ensuring I understood every step and option available. His deep knowledge of the market, attention to detail, and proactive communication made what can often be a stressful experience remarkably smooth.”
“Jwala was outstanding! He guided us through the mortgage process with clear advice, prompt communication, and excellent market knowledge. His professionalism and attention to detail made securing our loan smooth and hassle-free. Highly recommend!”
“Jwala Aryal made the whole process of getting our home loan so smooth and stress-free. He explained everything clearly, kept us updated, and found the right deal for our needs. Very professional, approachable, and supportive.”
Everything you need to know about home loans
Common questions from home buyers, investors and refinancers across Castle Hill, The Hills District, Sydney, Melbourne, Brisbane, Perth, Adelaide and all of Australia.
Why should I use a mortgage broker in Castle Hill instead of going directly to a bank?
A mortgage broker gives you access to 40+ lenders — not just one bank. Whether you're in Castle Hill, Parramatta, Melbourne, Brisbane, Perth or anywhere in Australia, we compare home loan products across all major banks and specialist lenders to find the most competitive rate for your situation. Our service is completely free (we are paid by the lender, not you), and as a CBA Platinum, Westpac Platinum and St George Flame broker, we access priority pricing that isn't available to the general public. Nearly 8 out of 10 new home loans in Australia now go through a broker because of these advantages.
How much does it cost to use a mortgage broker at 365 Home Loans?
Nothing — our service is 100% free for you. Mortgage brokers in Australia are paid a commission by the lender when your loan settles, so there are no upfront fees, hidden charges or surprises. We are also bound by the Best Interests Duty, a legal obligation to recommend the loan that is best for you, not the one that pays us the most.
What areas do you serve? Do I need to be in Castle Hill to use your services?
While our office is in Castle Hill (NSW 2154), we serve clients right across Australia. In Sydney, we cover The Hills District (Kellyville, Baulkham Hills, Bella Vista, Norwest, Rouse Hill, Glenhaven), the North Shore, Western Sydney, Parramatta, Eastern Suburbs and South Sydney. We also work with clients in Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra, Hobart and regional areas across every state and territory. Most consultations are done over phone or video call, so your location is never a barrier.
How much can I borrow for a home loan?
Your borrowing capacity depends on your income, expenses, existing debts and the deposit you have saved. As a general guide, you can borrow up to 95% of the property value (with a 5% deposit), though most lenders prefer at least 10–20%. Property prices vary significantly across Australia — from Castle Hill and Sydney's Hills District to Melbourne's eastern suburbs, Brisbane's growth corridors, Perth and Adelaide. Use our free repayment calculator above for an estimate, or contact us for a personalised assessment — we compare your borrowing power across 40+ lenders Australia-wide to find the best option.
I'm a first home buyer in Castle Hill — what grants and exemptions am I eligible for?
First home buyer benefits vary by state. In NSW, the First Home Buyers Assistance Scheme provides a full stamp duty exemption on properties up to $800,000 and concessions up to $1,000,000, plus a $10,000 First Home Owner Grant for new homes. Victoria, Queensland, Western Australia, South Australia and Tasmania each have their own stamp duty concessions and grants — for example, QLD offers up to $30,000 for new builds and VIC provides up to $10,000. Whether you're buying in Castle Hill, Melbourne, Brisbane, Perth, Adelaide or anywhere in Australia, we guide first home buyers through every available grant and scheme in their state to maximise savings.
What types of loans do you help with?
We assist with all types of property finance across Australia including: home loans for owner-occupiers, investment property loans, refinancing to a better rate, construction and land loans, commercial and business finance, SMSF lending, debt consolidation, and loans for self-employed borrowers. From first home buyers in Sydney's Hills District to property investors in Melbourne and Brisbane, business owners in Perth and families upgrading in Adelaide — whatever your property goal, we'll find the right lender and product for your needs.
How long does the home loan process take?
From initial consultation to settlement, the process typically takes 4–6 weeks regardless of where you are in Australia. Getting pre-approved can be done in as little as 1–3 business days, giving you confidence when making offers at auction or private sale — whether in Castle Hill, Sydney, Melbourne, Brisbane or anywhere nationwide. As a Platinum broker with CBA and Westpac, we have access to dedicated lender support teams and priority processing, which can speed up your application significantly.
Should I refinance my home loan? When is the right time?
Refinancing can save you thousands if your current rate is higher than what's available in the market, your fixed rate period is ending, your property has increased in value (reducing your LVR), or you want to consolidate debts. We regularly help homeowners across Australia review their existing loans — from Castle Hill and Sydney to Melbourne, Brisbane, Perth, Adelaide, Canberra and regional areas. Contact us for a free home loan health check — we'll tell you exactly how much you could save, no matter where you are in Australia.
What is Lenders Mortgage Insurance (LMI) and can I avoid it?
Lenders Mortgage Insurance (LMI) is a one-off premium charged when you borrow more than 80% of a property's value — it protects the lender, not you. LMI can cost anywhere from a few thousand dollars to tens of thousands depending on your loan size and deposit. You can avoid LMI by saving a 20% deposit, using a family guarantee (where a parent's property secures part of the loan), or accessing government schemes like the First Home Guarantee which allows eligible buyers to purchase with just a 5% deposit and no LMI. We help clients across Castle Hill, Sydney and all of Australia find the smartest way to minimise or eliminate LMI costs.
What documents do I need to apply for a home loan?
Typical documents include proof of identity (driver's licence, passport), proof of income (two recent payslips, latest tax returns and Notice of Assessment for self-employed borrowers), bank statements (last 3 months of savings and transaction accounts), details of existing debts (credit cards, personal loans, HECS-HELP), and a contract of sale if you've found a property. Self-employed applicants generally need two years of tax returns, business financials and an ABN. We use a secure online portal (Middle) to collect and manage your documents digitally — making the process fast and simple regardless of where you are in Australia.
Should I choose a fixed or variable rate home loan?
Fixed rates lock in your repayments for a set period (typically 1–5 years), giving you certainty and protection against rate rises. Variable rates fluctuate with the market but usually offer more flexibility — including offset accounts, extra repayments and redraw facilities. Many borrowers choose a split loan, fixing a portion for security while keeping the rest variable for flexibility. The best choice depends on your financial goals, risk tolerance and the current interest rate environment. As brokers with access to 40+ lenders, we compare both fixed and variable products across the market to recommend the structure that best suits your situation.
Mortgage broker services across Sydney and Australia
Whether you need a mortgage broker in Castle Hill, home loans in Kellyville, or refinancing in Bella Vista — our expert team serves clients across the Hills District and beyond.
Ready to take the next step?
Our home loans Sydney service is completely free — whether you're in Castle Hill, The Hills District, across Greater Sydney or anywhere in Australia. Send us an enquiry, call us, or email us — we'd love to hear from you.