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.
Have a quick question?
Tap the chat assistant at the bottom-right of the screen — ask about deposits, borrowing power, first-home buyer grants, refinancing or LMI, any time of day.
Buying your first home in NSW? You could stack $40k–$65k in grants and savings.
Most first home buyers I meet don't realise how much they're eligible for. Between the First Home Owner Grant, stamp duty exemption, and the Home Guarantee Scheme, you can often buy with a 5% deposit and no LMI — and keep tens of thousands in your pocket.
- $$10,000 FHOG on newly built homes up to $750k
- $Full stamp duty exemption up to $800k (FHBAS) — save up to ~$31k
- %5% deposit, no LMI via the Home Guarantee Scheme — government backs the other 15%
- ✓No genuine savings? Rental ledgers, gifted deposits and guarantor options — I know which lenders say yes
Indicative only. Actual eligibility depends on your income, the property, and your lender. I'll run the numbers on your exact scenario before we apply.
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
FHOG, stamp duty exemptions, Home Guarantee Scheme — we'll make every grant work for you.
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.