First home with a small deposit. Upgrading to the family home. A refinance that’s overdue. An investor structure that needs thinking. An SMSF purchase that has to be compliant. Whatever you’re here for, I’ll structure it properly — and explain every move in plain English.
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.
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.
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.
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.
Including all four major banks. We leverage a broad lender panel to match you with the most competitive product for your individual needs.
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.
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.
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.
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.
Most broker firms pass you down the chain — a senior signs you up, a junior runs your file, a processor talks to the lender. Things fall through cracks. Rates drift. Timing slips.
That doesn't happen here. I'm the broker on every file — the strategy, the lender choice, the sign-off, the tough calls. A dedicated support team handles the processing and paperwork behind the scenes, so nothing gets dropped — but the advice and decisions are always me. Same phone number, same WhatsApp, same senior broker, every step.
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.
FHOG, stamp duty exemptions, Home Guarantee Scheme — we'll make every grant work for you.
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.
Drop your rate, unlock equity, or consolidate debt. We benchmark your loan against 40+ lenders.
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.
The most rule-heavy lending in Australia. Bare trust, LRBA compliance, sole-purpose test, liquidity — only a handful of lenders write these properly. Get the structure right and your super works harder.
The single best loan structure for investors — progressive drawdowns, contract review, valuation strategy, knockdown-rebuild specialists. It's what we do best.
Commercial property, business loans, equipment finance, small development — funded by specialist lenders.
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.
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.
The usual answer is next business day. For clean files with the right lender, we've turned approvals in under two hours — and seen settlements complete in just 48 hours. Speed is a function of preparation, lender fit, and a broker who chases the file. All three come as standard.
For well-prepared files with a lender whose policy already says yes — not typical, but on record.
Most of our approvals land inside one business day once the full file is lodged. No chasing required.
When the solicitor, lender and broker are aligned, a refinance can settle in as few as 48 hours.
Approval and settlement timelines depend on the lender, the documentation provided, valuation turnaround and external parties. These are our fastest on record, not guaranteed outcomes.
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.
We're paid by the lender — never by you.
Evenings, weekends, auctions — we work when you do.
40+ lenders compared against your situation — not pushed onto you.
Plain English, full disclosure, no surprises at settlement.
We've trimmed the clutter. Most clients are pre-approved inside seven days.
A free, obligation-free call or meet — in person, phone, video or WhatsApp — to understand your goals, your numbers, and your timeline.
We benchmark 40+ lenders and present 2–3 best-fit options — clearly, side by side.
We prepare, package and lodge. You review and sign. We chase the lender, not you.
Approval, valuation, settlement — we coordinate with your solicitor and keep you in the loop.
"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."
"Jwala was outstanding! He guided us through the mortgage process with clear advice, prompt communication, and excellent market knowledge. His professionalism and attention to detail made securing our loan smooth and hassle-free. Highly recommend!"
"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 free, obligation-free call or meet — no pressure, no time limit. You'll walk away with a clear plan and a ballpark on what lenders will actually offer you.
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.
