The team behind 365 Home Loans.
365 Home Loans is a mortgage broking business founded by Jwala Aryal in 2014. Jwala leads every application, from the first conversation to the lender’s decision. Binita Pudasaini and Binita Lohani look after the documents, lender follow-ups and settlement, so nothing gets dropped. We help clients across Sydney and Australia, in English, Nepali and Hindi.
Why I started 365 Home Loans.
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, and clients would be passed from person to person with no one owning the whole file. 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.
What you can expect from me.
An actual person at the end of the line — on weeknights, weekends, and Sunday auctions. A comparison across our panel of 40+ lenders, matched to your situation. And an honest answer, even when it's "wait six months before you buy."
Meet the team
365 Home Loans is a small team, so you’ll get to know the people looking after your loan. Jwala leads every application, and Binita Pudasaini and Binita Lohani keep your file moving from the first documents through to settlement and beyond.
Jwala Aryal
Founder and mortgage broker · 12 years in home lending · Credit Representative 456382
Jwala started 365 Home Loans in 2014 and leads every application: the first conversation, the lending strategy, choosing the lender and dealing with the lender’s credit team. If one lender can’t help, Jwala checks whether another lender’s policy fits, and explains the recommendation in writing.
- CBA Platinum, Westpac Platinum and St.George Flame accredited
- Finsure Awards 2026 finalist, NSW Broker of the Year
- Speaks English, Nepali and Hindi
Binita Pudasaini
Client support · with 365 Home Loans for over 4 years
Binita Pudasaini works across almost every part of a loan, and especially the stages after approval. Once your loan is approved, Binita prepares everything for settlement, follows up the lender and your solicitor or conveyancer, keeps your loan notes up to date, and stays in touch after your loan has settled.
- Pre-settlement preparation and follow-ups
- Post-settlement support
- Loan notes and file management
Binita Lohani
Client support · with 365 Home Loans for over 2 years
Binita Lohani can help with any part of your file and works mainly on the early stages. Binita goes through your fact-find with you, collects and checks your documents, requests pricing from lenders and orders valuations, so your application is ready to lodge.
- Pre-application and client fact-finds
- Documents and lender pricing requests
- Valuations
Four things we'll never compromise on.
Honesty first
We'll tell you when to wait, when to walk, and when not to borrow. That honesty is the service.
Plain English
No jargon, no fine-print ambushes. If you don't understand something, that's on us to fix.
Long view
We set up today’s loan with your next move in mind, so a later refinance, upgrade or investment is easier.
Quiet work
We chase lenders, valuers and solicitors so you don't have to, and keep you updated at each step.
Regulated, accredited, accountable.
Licencing
Credit Representative 456382
Operating under an Australian Credit Licence — fully regulated by ASIC.
Membership
MFAA Accredited
Member of the Mortgage & Finance Association of Australia — held to its professional standards.
Ombudsman
AFCA Member
External dispute resolution through the Australian Financial Complaints Authority.
Let's start with a free call.
Phone, video, or a coffee in Castle Hill — whatever suits. You'll leave with a clear plan and no pressure.
Finsure Awards 2026 — dual finalist.
Out of more than 4,000 brokers across the Finsure network nationally, 365 Home Loans was named a 2026 finalist in two categories: NSW Broker of the Year and Top Brokerage (fewer than 5 brokers).
Read the full story. Announced by Finsure, our aggregator (Australian Credit Licence 384704), August 2026.