Sydney mortgage broker for home loans that aren’t textbook.
One senior broker on every file.
First home with a small deposit. Upgrading to the family home. A refinance that’s overdue. An investor structure that needs thinking. An SMSF loan that needs refinancing after the ban. Whatever you’re here for, I’ll structure it properly — and explain every move in plain English.
How much could you borrow?
Answer a few quick questions and see an estimated borrowing range on screen straight away, worked out the way lenders do it: today’s rate plus the 3% bank buffer.
- No credit check, no sign-up to see your result
- About 60 seconds
- Optional: have Jwala check your real number across 40+ lenders
Built by Jwala Aryal, senior mortgage broker, Castle HillFind out how much you can borrow
Free estimate · No credit check · 60 seconds
Want your real number?
Lenders’ results can differ by tens of thousands. Jwala will check yours across 40+ lenders — free, no obligation.
Indicative estimate only, based on the numbers you entered, an assumed rate of (owner-occupied) or (investment) plus a 3% assessment buffer, 30-year principal and interest, 2026–27 tax rates and a standard living-expense floor. It is not a loan approval, an offer or credit assistance. Each lender’s policy differs; HECS/HELP debt, other commitments and lender policy will change the result.
Buying your first home in Sydney? A 5% deposit can be enough.
For most first home buyers I meet, the hurdle isn’t a grant — it’s the deposit. Saving 20% on a Sydney home can take years. These are the ways to buy sooner, and I know which lenders say yes to each.
- %5% deposit, no LMI through the Home Guarantee Scheme — homes up to $1.5M in Sydney, no income cap
- ✓LMI waivers for professionals — nurses, doctors, accountants and more can borrow up to 90% with no LMI
- ✓Family guarantee — parents’ equity can stand in for the deposit
- ✓No genuine savings? Rental ledgers, gifted deposits and guarantor options — I know which lenders say yes
Buying under $800k in NSW? Stamp duty exemptions and grants may also apply — the guide covers them.
Indicative only. Scheme eligibility, lender policy and your borrowing power apply, and legal and other purchase costs come on top. Check what you could borrow →
ABN, contractor or sole trader? There’s a path.
Three doc types exist for self-employed borrowers in 2026 — Full Doc, Alt Doc, Low Doc — each with its own evidence rules, LVR caps and pricing. The full plain-English breakdown of what each requires, what each costs in rate, and the common situations I see every week lives on the services page.
Access to 40+ leading lenders
Including all four major banks. We leverage a broad lender panel to match you with the most competitive product for your individual needs.
One conversation. 40+ lenders.
Walking into one bank means one set of rates, one credit policy, one view of your situation. A broker shops your file across the whole market — so you hear the sharpest option before you commit to any of them.
Big four + the rest
ANZ, CBA, NAB and Westpac — plus specialist, regional and non-bank lenders your branch will never mention. The right fit isn’t always the most advertised one.
Your profile, their policy
Every lender reads your income, deposit and credit history differently. I match your file to the lender whose policy already says yes — faster approval, sharper rate.
Free to you
Lenders pay me a standard commission disclosed in writing. Your rate isn’t marked up for it — you pay the same as if you walked in off the street, only with the full panel looking.
Best Interests Duty applies: under the National Consumer Credit Protection Act 2009 I’m legally required to act in your best interests, not the lender’s. Commission structure is disclosed in writing before any application is lodged.
Finance for every chapter of your property journey.
From your first home to your tenth investment, we match you to the right loan with the right lender — free to you, with no shortcuts taken.
First home buyers
5% deposit with no LMI, professional LMI waivers and family guarantees — plus any grants or duty savings you qualify for.
Upgrading / next home
Same-day simultaneous settlement when it’s viable, bridging finance and equity release when it’s not. Sell-first vs buy-first, porting your loan — the sequencing decisions that decide whether the move is smooth or expensive.
Refinancing
Drop your rate, unlock equity, or consolidate debt. We benchmark your loan against 40+ lenders.
Investment property
Lender sequencing for property 2 and 3, IO vs P&I, offset splits, debt recycling, LMI crystallisation, interstate, rent-vesting — the structure decides the ceiling.
SMSF: refinance, settlements & commercial
New residential SMSF borrowing ended on 10 August 2026 — but the work didn’t. We refinance existing SMSF loans (many are stuck on painful rates), arrange settlement lending for contracts signed before the ban — including off-the-plan — and commercial property in super is untouched — no change at all, those loans continue exactly as before.
Land & construction loans
The single best loan structure for investors — progressive drawdowns, contract review, valuation strategy, knockdown-rebuild specialists. It's what we do best.
Commercial finance
Commercial property, business loans, equipment finance, small development — funded by specialist lenders.
Land & construction is our heart.
The single best loan structure we arrange for property investors — and the one most brokers either botch or avoid. We've built this practice around it.
- Progressive drawdowns — interest only on what's drawn, not the full limit. Cash flow stays manageable through the build.
- Builder contract review — we read the fixed-price contract and progress schedule before the lender does.
- Knockdown-rebuild & duplex specialists — the harder deals banks send away, we place.
- Investor-friendly policy — lenders who count rental income realistically and don't haircut it to oblivion.
- House-and-land packages — including every major estate across North-West Sydney we know inside out.
Land & construction loans involve progressive drawdowns, builder risk, valuation risk and tax considerations. 365 Home Loans arranges credit only — we don't give tax, depreciation or investment advice. Confirm suitability with a qualified accountant or licensed financial adviser.
- 1Land settlementLand portion draws first. Interest on land only.
- 2SlabFirst construction drawdown.
- 3FrameSkeleton up. Second drawdown.
- 4Lock-upRoof, windows, doors in.
- 5Fix-outInternal linings, cabinets.
- 6CompletionFinal drawdown. Loan converts to P&I (or IO, if structured).
A broker who answers the phone.
I started 365 Home Loans to bring something old-fashioned back to finance: being actually useful. No scripts, no call-centre hand-offs, just plain English and a plan that fits your life.
Free to you
We're paid by the lender — never by you.
Seven days a week
Evenings, weekends, auctions — we work when you do.
Genuine lender choice
40+ lenders compared against your situation — not pushed onto you.
Straight talk
Plain English, full disclosure, no surprises at settlement.
One broker. Four clear stages.
Understand
Your goals, deposit, income and timing — before a credit check or application.
- Free chat — phone, Zoom or the Castle Hill office
- No credit enquiry at this stage
- In English, Nepali or Hindi
Compare
Relevant lenders compared on policy, total cost and fit for your file.
- 40+ lenders on panel, not just the majors
- Real cost: rate, fees, LMI and cashback
- Two or three options, side by side
Apply
Documents checked, application packaged and lender questions handled.
- Everything verified before it’s lodged
- One considered application, not scatter-gun
- We chase the lender, not you
Settle
You stay informed through approval, valuation, contracts and settlement.
- Valuation and formal approval tracked
- Coordinated with your solicitor or conveyancer
- Your rate reviewed again after settlement
"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."
"I had a fantastic experience working with Jwala sir and Binita mam from 365 Home Loans to secure my home loan. From start to finish, the process was incredibly smooth and stress-free."
"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."
A mortgage broker for your suburb — across Australia.
Based in Castle Hill, NSW — serving the Hills & Greater Sydney in person, and buyers Australia-wide by secure video call & phone. In English, नेपाली Nepali & Hindi.
Ready to see what you can afford?
A free, obligation-free call or meet — no pressure, never rushed. You'll walk away with a clear plan and a ballpark on what lenders will actually offer you.
Start your fact-find online — 15 minutes, from your phone.
Middle is the secure portal I use to collect income, expenses, deposits and goals. Fill it in at your own pace — then we use our first call for strategy, not data entry. Bank-grade encrypted. Shared only with me.