Home Loan Experts

Home
Australia
Rhodes, NSW
Home Loan Experts

Helping you get closer to your dream home everyday.
(425)

14/08/2026

🎉 Congrats to our latest homeowners, keys in hand!

They thought a 20% deposit was years away. Turns out it wasn't, thanks to the First Home Guarantee; they got in with just a 5% deposit and no LMI.

📘 Want to see if you qualify? Free eBook link in the comment.
📞 Or just book a call at 1300 889 743, we'll walk you through it.

13/08/2026

We’re incredibly proud to celebrate Siddhartha Dhar Bajracharya from Home Loan Experts, who has been recognised as a 2026 5-Star Broker by Australian Broker.

This year, Australian Broker selected just 40 5-Star Brokers from more than 3,300 client nominations across 130+ brokers. The recognition is based on client nominations and ratings rather than loan volume or revenue, with brokers assessed across key areas including pricing, technical expertise, product range, customer service, communication and responsiveness.

What makes this achievement even more special is that Sid was also recognised as an Australian Broker 5-Star Broker in 2025, making this two consecutive years of recognition: 2025 and 2026.

We’re proud to have Sid as part of the Home Loan Experts team and to see his commitment to delivering exceptional client service recognised once again.

A fantastic achievement and well-deserved recognition.

12/08/2026

We’re finalists at the 2026 Australian Mortgage Awards! 🎉🏆

We’re incredibly proud to see our team recognised across three categories:

🌟 Mohit Lal Pradhan & Trong (Vivienne) Than — Broker of the Year – Productivity
🌟 Home Loan Experts — Brokerage of the Year (more than 20 staff)
🌟 Home Loan Experts — Best Customer Service from an Individual Office

These nominations reflect the dedication, expertise and care our team brings to helping clients achieve better outcomes every day.

Huge congratulations to Mohit, Vivienne, and the entire Home Loan Experts team. 👏

We’re looking forward to celebrating with the industry at the Australian Mortgage Awards this October!

11/08/2026

The RBA held. Buyers might too.

Keeping rates unchanged may buy the RBA more time, but the bigger question is what prolonged uncertainty does to household confidence.

As HLE Senior Mortgage Broker Jonathan Preston points out, when people are unsure about rates, property prices and the economy, they hesitate. They spend less. And many prospective buyers stay on the sidelines.

As HLE Senior Mortgage Broker Sid Bajracharya puts it:

“Clients keep telling me they will start looking once the RBA cuts. They are not the only ones waiting. The day rates fall, everyone's borrowing capacity lifts at the same time and the competition comes straight back.”

That’s the catch with waiting.

A rate cut may improve borrowing capacity — but if thousands of buyers have the same idea, it could also bring competition straight back into the market.

For buyers, the question isn’t simply “When will rates fall?”

It’s “What opportunity exists while everyone else is waiting?”

10/08/2026

Australia’s latest inflation numbers came in softer than the Reserve Bank expected. Headline inflation fell to 3.8%, while underlying inflation was 3.6%.

That makes another cash rate increase on 11 August much less likely. But a hold does not mean rate cuts are coming. Services, rents and the cost of building a new home are still rising too quickly.

The most likely result is a cautious hold, with the RBA keeping another increase on the table. For borrowers, that means more short-term certainty, but probably no immediate drop in repayments.

Comment HOLD or HIKE and come back on 11 August to see who was right.

31/07/2026

Think you need a huge deposit to buy an investment property?

We helped an Australian couple do it differently, using family equity instead of savings, settlement completed on a $1.2M Sydney investment property with no deposit needed.

If a bigger deposit (or LMI) has been holding your plans back, there might be a shortcut you haven't considered yet.

Want to know if this could work for you? Book a call — link in the comment

27/07/2026

Media mention: Four of our Home Loan Experts brokers spoke to news.com.au about the sharp investor pullback in Sydney's property market, and the picture they're describing is stark.

"My investor clients have essentially stopped buying established property. They are worried prices will fall before the rules start, so they are waiting." — Jonathan Preston, Senior Mortgage Broker

"Right now none of my investor clients are buying. They have stepped back completely and are waiting to see where prices land." — Prakash Rai, Senior Mortgage Broker

"Two of my pre-approval clients have pulled out and will not proceed at this stage", including a CEO and a solicitor who chose not to extend their investment loan pre-approvals. "They told me the recent negative gearing and capital gains tax changes have discouraged them." — Sheng Ye, Senior Mortgage Broker

"I actually think the negative gearing change is fair enough. It is the CGT change that worries me... That is the real failure, and it is what will cost Australia in the long run." — Mary Eskander, Broker Manager

The data backs it up: median house values fell across 91% of Sydney suburbs in the July quarter, even though the new tax rules don't take effect until July 2027.

But it's not all bearish. Jonathan's longer-term view: as inflation eases and rate cuts follow, this could be a real window for buyers who can act now.

Read the full piece in the comment below.

24/07/2026

Our EOFY party was 10/10. Our photography skills? A solid 2/10.

Here’s the photo dump anyway.

A huge thank you to our wonderful clients for making this year so meaningful. We’re grateful to be part of your property journeys, and we can’t wait for what’s ahead.

Cheers from the Home Loan Experts team!

21/07/2026

Day 5 of 10: What a client asked me about the First Home Guarantee.

Scenario
"I want to refinance for a better rate, will I lose my Guarantee?"

Depends entirely on who you refinance with.

Stay with a Participating Lender (without increasing your loan or extending the term) → you keep the Guarantee. Move to a lender outside the panel → you lose it, full stop.

A "better rate" that costs you the Guarantee isn't always actually better once you factor in what you'd need to pay to replace it (hello, LMI).

We have listed out exactly how refinancing interacts with the scheme in our free guide, worth checking before you get tempted by a flashy rate ad.

Download here before you refinance; link in the comments.

Eligibility criteria and lender policies apply. Government schemes and lender offers are subject to change. Home Loan Experts Pty Ltd | Australian Credit Licence (ACL) 38528

20/07/2026

Sydney prices just dropped $40K... so why does buying still feel out of reach?

Prices are falling, but borrowing power is falling faster. Tight credit and new tax rules are quietly shrinking what you can spend.

Check yours in 2 minutes 👉 Link in the comment below.

Address

Suite 207, 3 Rider Boulevard
Rhodes, NSW
2138

Telephone

+61291941700

Website

http://homeloanexperts.com.au/free-quote/, https://www.youtube.com/@HomeloanexpertsAu, https://www.tiktok.com/@homeloane

Alerts

Be the first to know and let us send you an email when Home Loan Experts posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Rhodes?