I'm Jwala Aryal — founder of 365 Home Loans. Twelve years writing Sydney home loans as an independent broker, top-tier accreditations with CBA, Westpac and the St.George Group, and a simple promise: the senior broker you meet on day one is the same one on your file at settlement. A dedicated support team handles the paperwork behind the scenes, so nothing gets dropped — but the advice, the strategy, the lender call, the tough conversations — that's me, every time.
I got into mortgage broking because I saw a gap in the industry: the advice was usually fine, but the experience wasn't.
Files would sit in queues. Clients would be passed from a senior to a junior to a processor. A broker would pitch the bank that paid the highest commission. I believed — and still do — that this is the most personal transaction most people ever make, and it deserves to feel like it.
So in 2014 I started 365 Home Loans with a simple rule: return every call the same day, explain every fee in plain English, and recommend the loan I'd take myself. Twelve years later, that rule still runs the business.
An actual person at the end of the line — on weeknights, weekends, and Sunday auctions. A full benchmark of 40+ lenders against your situation, not a shortlist shaped by kickbacks. And an honest answer, even when it's "wait six months before you buy."
We'll tell you when to wait, when to walk, and when not to borrow. That honesty is the service.
No jargon, no fine-print ambushes. If you don't understand something, that's on us to fix.
We structure for your next loan, not just this one. Most clients come back three times over a decade.
We chase lenders, valuers and solicitors so you don't have to. Finance should feel calm.
Operating under an Australian Credit Licence — fully regulated by ASIC.
Member of the Mortgage & Finance Association of Australia — held to its professional standards.
External dispute resolution through the Australian Financial Complaints Authority.
Phone, video, or a coffee in Castle Hill — whatever suits. You'll leave with a clear plan and no pressure.
