Office in Castle Hill, Sydney · Helping clients across Australia since 2014
365 Home LoansMortgage Brokers in Sydney and Across Australia
We help people buy their first or next home, refinance, invest, and arrange construction and commercial finance. We compare loans from more than 40 lenders, explain the options that suit your situation, and look after your application through to settlement, in English, Nepali or Hindi.
365 Home Loans was founded by Jwala Aryal. Jwala leads your application and stays your main contact, and Binita Pudasaini and Binita Lohani help with documents and admin.
Call the office (02) 8003 4306 Jwala 0433 543 224 Email info@365homeloans.com.au
- 5.0 from 115+ Google reviews
- English, नेपाली and हिन्दी
- Credit Representative 456382
How much could you borrow?
Answer a few quick questions and see an estimated borrowing range straight away. It uses an assumed interest rate plus the 3% buffer lenders test you at, so treat it as a starting point rather than a lender’s answer.
- No credit check, no sign-up to see your result
- About 60 seconds
- Optional: ask Jwala to review your estimate
Find out how much you can borrow
Free estimate · No credit check · 60 seconds
Assumed rates: owner-occupied and investment, plus a 3% assessment buffer, 30-year principal and interest, 2026–27 tax rates and a standard living-expense figure. Rates reviewed . This is an estimate only. It isn’t a check of government scheme eligibility, a lender’s assessment or a loan approval, and it isn’t credit assistance. HECS/HELP debt, other commitments and each lender’s policy will change the result.
Want a more detailed assessment?
Lenders each work this out differently, and results can differ by tens of thousands. Jwala can review your estimate against lenders’ actual policies. It’s free and there’s no obligation.
Finsure Awards 2026 finalist: Top Brokerage (under 5 brokers) and NSW Broker of the Year. About the awards
- 12 years broking
- 40+ lenders on our panel
Top-tier accreditation with three major lenders
CBA Platinum, Westpac Platinum and St.George Flame are top-tier broker accreditations with these lenders, earned through the volume and quality of the loans a broker submits. For you, that can mean:
- Priority handling of your application in the lender’s queue, which often means a faster answer
- A direct line to the lender’s credit and relationship teams when your file needs a policy question answered or an exception considered
- A stronger case when asking for a sharper rate, because pricing requests come from a broker the lender already trusts
Accreditation doesn’t guarantee approval or a particular rate. Every application is still assessed on its own merits, and we compare all the lenders on our panel, not only these three.
What we help with
Pick the one closest to your situation. Each link goes to a fuller guide.
Buying your first home
In Sydney the deposit is usually the hurdle. We’ll check whether the Australian Government 5% Deposit Scheme, an LMI waiver or a family guarantee could help you buy sooner.
Refinancing
We’ll compare your loan with what lenders offer now, including fees, cashback conditions and break costs. If switching doesn’t benefit you, we’ll tell you to stay where you are.
Upgrading or moving
Buying and selling at the same time needs planning. We’ll look at borrowing capacity, settlement dates and whether bridging finance makes sense before you sign.
Investment property
Loan structure, interest-only versus principal and interest, and how this purchase affects the next one. Tax questions are for your accountant, and we’re happy to work with them.
Construction and house-and-land
Construction loans need the building contract and payment schedule checked early. We’ll line up the land, the build and the progress payments with a lender that suits the project.
Self-employed
If your income is harder to show on paper, we’ll check which lenders will work from your tax returns, BAS or an accountant’s letter.
Commercial and business
Business premises, commercial property and business lending, including buying your own premises through an SMSF.
SMSF refinance
New residential SMSF borrowing ended on 10 August 2026. We can still refinance existing SMSF loans and help settle contracts signed before the change.
Prefer to talk in your language? नेपालीमा · हिन्दी में
How we work
Most people start with one question: what can I realistically afford? We’ll ask about your income, deposit, debts and plans, then compare loans from the lenders on our panel. We look at the rate alongside fees, features and how the loan fits what you’re planning next.
Jwala leads every application and makes the lending recommendations with you. If one lender can’t help, Jwala will check whether another lender’s policy fits your circumstances, and explain in writing why a loan was chosen.
You don’t pay us a fee. Lenders pay us a commission when your loan settles, and we disclose it in writing before you apply. Under the Best Interests Duty, our recommendation has to be in your interest.
Lenders we work with include ANZ, CommBank, NAB, Westpac, Macquarie, ING, St.George, AMP, Bankwest and Suncorp, plus specialist lenders such as Pepper, Bluestone and MA Money. Our panel has more than 40 lenders, but it doesn’t cover every lender in Australia. 365 Home Loans operates under Finsure Finance and Insurance Pty Ltd (Australian Credit Licence 384704); Jwala Aryal is Credit Representative 456382.
From first chat to settlement
Understand
Your goals, deposit, income and timing, before any credit check or application.
- Phone, Zoom or the Castle Hill office
- No credit enquiry at this stage
- English, Nepali or Hindi
Compare
Lenders compared on their policy, the total cost and how well they fit your situation.
- Major banks, regional banks and specialist lenders
- Rate, fees, LMI and cashback conditions
- Usually two or three options side by side
Apply
Documents checked, the application prepared and lender questions answered.
- Documents checked before anything is lodged
- Usually one application, so fewer credit enquiries
- We follow up the lender and keep you updated
Settle
Valuation, formal approval, loan documents and settlement.
- We’ll explain the expected costs and tell you if anything changes
- Working with your solicitor or conveyancer
- A rate check 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."
What happens when we first talk
- It takes about 30 minutes, by phone, Zoom or at the office in Castle Hill.
- Jwala will ask about your income, savings, debts and what you’re planning. There’s no credit check at this stage.
- You’ll come away with a rough borrowing range, an idea of the upfront costs, and what the next step would be.
- You don’t need to prepare anything. A recent payslip or loan statement helps, but it can wait.
A borrowing estimate isn’t an approval. Each lender makes its own assessment when you apply, and formal approval comes after the property has been valued.
Talk to us about your situation
Book a time that suits you, give us a call or send us an email. If we can’t answer straight away, we’ll usually call you back within an hour (6am–8pm, 7 days).
Ready to apply?
If you’ve already decided to go ahead, you can start the online fact-find. It takes about 15 minutes, only our team can see it, and it saves time on our first call.
Start the fact-find →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.