Mortgage Broker for Point Cook, VIC.
Point Cook is a popular bayside-adjacent family suburb in Melbourne's west — established estates, good schools and a strong upgrader and investor market.
Point Cook at a glance
City of Wyndham · Western Melbourne. Want current median prices for a specific Point Cook address? Ask us for a free CoreLogic / APM report.
The right loan, in your language.
Point Cook buyers are families upgrading, investors after yield, and first-home buyers into near-new homes. We benchmark 40+ lenders for the sharpest rate and structure investment loans cleanly — in English, Nepali or Hindi.
40+ lenders, one conversation
Instead of one bank's products, we compare 40+ lenders to find the sharper rate and the structure that actually fits your Point Cook purchase.
Free to you
For residential home loans the lender pays our commission — so our advice is generally free. We disclose everything in writing.
English or Nepali
Jwala speaks Nepali and Hindi, and works with many in the community. Deposits, grants, borrowing power and contracts — explained clearly in your language.
Best Interests Duty
As a licensed credit representative we're legally bound to recommend what's right for you — not what pays us most.
Simple, on your schedule.
We help Point Cook buyers Australia-wide. Everything is done by phone, video and secure online upload — so being interstate makes no difference to the service or the lenders we can access.
- 100% online: phone, video and secure document upload — anywhere in Australia
- 40+ lenders: the same panel and rates wherever you are
- In your language: English, Nepali or Hindi
- Open 7 days: 6am–8pm AEST
What we help with most.
First home in Point Cook
We map your real deposit, the First Home Owner Grant, stamp-duty concessions and low-deposit (5%) and no-LMI pathways for Point Cook buyers.
Investing around Point Cook
Using equity to buy an investment? We structure the loan with a clean tax-deductible purpose from day one and target lenders that value the area well.
Self-employed in Point Cook
Run your own business? We have alt-doc / low-doc lenders who assess self-employed Point Cook buyers fairly — often with just BAS or an accountant’s letter.
More ways we help Point Cook borrowers.
Whatever your situation, we likely have a lender for it — and for residential home loans, our service is free to you.
Two structures buyers ask us about most.
Land & construction loans
Buying a block and building in or around Point Cook? Land & construction is our heart. We handle land settlement, builder contracts and staged progressive drawdowns end-to-end.
- Interest-only during build — you only pay on what's drawn
- Owner-builder or registered builder contracts
- Valuations, progress inspections and builder invoicing managed
SMSF property loans
The most rule-heavy lending in Australia — bare trust, LRBA compliance, sole-purpose test. Only a handful of lenders write these properly. Popular with business owners who want their super working harder.
- Bare trust + corporate trustee set-up guided end-to-end
- LRBA-compliant loan from our SMSF-capable panel
- Coordinated with your accountant and fund administrator
We handle the lending side only. For SMSF strategy and tax advice, consult your accountant or adviser.
Nearby suburbs.
Good to know.
Do you have a mortgage broker for Point Cook?
Yes. 365 Home Loans helps buyers in Point Cook and across Victoria. We compare 40+ lenders to find the right loan, and our service is free to you — the lender pays us. You can meet by phone, video or online, and we also speak Nepali and Hindi.
Do you have a Nepali-speaking mortgage broker for Point Cook?
Yes — Jwala Aryal speaks Nepali and Hindi, and works with many members of the Nepali community in Point Cook. We can explain deposits, grants, borrowing power and the whole loan process in Nepali. See our Nepali home loans page.
Can you help first-home buyers in Point Cook?
Absolutely. We guide Point Cook first-home buyers through the First Home Owner Grant, stamp-duty concessions, the Home Guarantee Scheme and low-deposit (from 5%) and no-LMI options — and tell you, in dollars, what you’re actually eligible for.
Is the service really free in Point Cook?
Yes. For residential home loans the lender pays our commission, so our service is generally free to you. We disclose all commissions in writing, and under our Best Interests Duty we must recommend what’s right for you.
5.0 stars from 115+ reviews.
"Jwala dai guided me with clarity and patience, ensuring I understood every step and option available."
"Jwala made the whole process so smooth. He explained everything clearly, kept us updated, and found the right deal for our needs."
"Outstanding broker. Clear advice, prompt communication, excellent market knowledge. Made securing our loan hassle-free."
Ready to chat about Point Cook?
Book a free, obligation-free call, or send a WhatsApp. One conversation is usually all it takes to know where you stand — in English, Nepali or Hindi.