HAP HOMEs Call us now
Melbourne Mortgage Broker

The right loan, from first chat to keys in hand.

Hemraj compares 30+ lenders across the market and walks beside you from pre-approval to settlement, at no direct cost to you. English, नेपाली and हिन्दी spoken.

Book a free chat Try the calculator
Best Interests Duty: legally on your side Evenings & weekends English · नेपाली · हिन्दी

First home buyers

5% deposit scheme, grants and no-LMI pathways.

Refinancing

A full rate review that could save thousands a year.

SMSF & investing

Buy property through your super, guided step by step.

Partnering with trusted lenders to bring you the best

CommBank Westpac ANZ nab MACQUARIE ING Suncorp Bank St.George
Bankwest AMP Bank Pepper Money Liberty La Trobe Financial Bank of Melbourne Great Southern Bank Firstmac
Where are you headed?

Four doors. Pick yours.

If dealing with banks makes you feel like you're guessing, you're not the problem. The jargon is. Whatever stage you're at, there's a clear path and one point of contact.

First Home Buyers

5% Deposit Scheme

5% Deposit Scheme guidance, no-LMI pathways, gift letters and stamp duty help.

SMSF Property

Specialty
Guided

Buy property through your super and borrow up to 90%*, alongside your accountant.

Refinancing

Rate review
32 lenders

Full review across the panel: cashback options, debt consolidation, real savings.

Business & More

Commercial, development, asset & equipment finance, and car loans.

*Subject to lender criteria and your circumstances.

One broker.
Every lender.

Book a free chat

Since 2021, brokers are legally required to act in your best interest, not the bank's. Banks owe you no such duty. When Hemraj recommends a loan, the law itself says it has to be right for you.

Most families set and forget their loan, quietly paying thousands a year more than they need to. A 20-minute review is how you find out.

How it works

From first chat to settlement, fully handled.

No jargon, no pressure, no cost. We do the legwork across the lender panel so you can get on with life.

01

A relaxed chat

Phone, office or after-hours. We understand your situation and goals. Bring your parents; we speak Nepali and Hindi too.

02

We do the legwork

We compare 30+ lenders, handle the paperwork, and structure the application to give you the best chance, first time.

03

Keys in hand

Pre-approval through to settlement. We chase the bank so you don't have to, and stay with you after settlement day.

Who we are

A local broker who treats your loan like his own.

Hemraj Poudel at his desk

Hemraj Poudel

Director & Mortgage Broker

HAP HOMEs was built on a simple idea: getting a home loan shouldn't feel like fighting the bank alone. Hemraj sits on your side of the table, explaining every step in plain language and structuring your application so it lands the first time. From the first chat to settlement, you deal with one person who knows your story, keeps you updated, and picks up the phone, evenings and Sundays included.

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Lenders

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Play with the numbers

Repayment calculator.

Drag the sliders for a feel of the monthly numbers, then let's find a sharper rate together.

Estimated repayment

$3,856

per month · principal & interest

Estimate only, not an offer of credit or financial advice. Your rate and repayments depend on your lender, loan and circumstances.

What clients say

Families we've walked home.

First homes, refinances and super-fund purchases across Melbourne's west and beyond.

"We thought a first home was years away. Hemraj found us the 5% deposit scheme, explained everything to my parents in Nepali, and we picked up our keys four months later."

S&P

Sabina & Prakash

First home · Tarneit

"Our bank never called back. Hemraj reviewed our loan, moved us to a better rate and we're saving hundreds every month. He answers his phone, even on a Sunday."

R&S

Ramesh & Sunita

Refinance · Point Cook

"Buying property through our super sounded too complicated for us. Hemraj worked alongside our accountant and made the whole SMSF structure simple and clear."

D&P

Daniel & Priya

SMSF investment · Werribee

Illustrative examples for this preview, replaced with your real Google reviews at launch.

Three easy steps

Let's find your loan.

Thirty seconds, no documents needed. Hemraj will call you within one business day.

Prefer to talk? 0412 719 809
No cost to you, ever No documents needed No obligation, walk away anytime

What are you looking to do?

Good questions

Frequently asked questions.

Still have a question?

Call Hemraj directly. Evenings and weekends included.

0412 719 809

Does using a broker cost me anything?

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In most cases there is no direct cost to you: the lender pays the broker a commission after your loan settles, and we disclose exactly how we're paid before you commit to anything.

Can I really buy property through my super (SMSF)?

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Many Australians can, using a self-managed super fund with a special loan structure. Depending on the lender you may borrow up to 90%*, with your fund covering the deposit and costs. It's a regulated area, so we walk you through it step by step alongside your accountant.

What's the 5% deposit scheme?

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Eligible first home buyers may purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance under the federal Home Guarantee Scheme. Places and criteria apply, so we check your eligibility in the first chat.

What is LMI and how do I avoid it?

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Lenders Mortgage Insurance protects the lender when your deposit is under 20%. Depending on your situation (scheme eligibility, profession, guarantor options or a 10%+ deposit with the right lender) there are several paths to reduce or avoid it.

I'm self-employed and my finances are complicated. Can you still help?

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That's exactly when a broker matters most. Different lenders treat self-employed income very differently. We know which ones look kindly on situations like yours.

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HAP HOMEs Assistant

Online · replies instantly

👋 Hi! I'm the HAP HOMEs assistant. I can help you figure out your next step: buying, refinancing or investing.
What would you like to do?
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