Buying, refinancing or investing in Melbourne is one of the biggest financial decisions you will make, and the right home loan starts with the right advice. We compare loan options from 40+ trusted lenders, explain your choices in plain language, and support you from your first conversation through to settlement.
We’re a local, licensed brokerage that takes the time to understand your situation and match it to the right lender, not the first one that says yes.
Melbourne isn’t one property market, it’s dozens. What works for a first home buyer in Tarneit or Craigieburn looks very different to an upgrader in Glen Waverley or an investor in Richmond. Prices, price caps for government schemes, and the type of stock on offer all vary suburb to suburb.
Every lender also assesses your application differently. One bank may value your income, deposit or employment type in a way that another won’t, and those policy differences can change how much you can borrow, or whether your loan is approved at all.
At Everest Home Loans, we compare your circumstances against a wide panel of lender policies and recommend home loan options that suit your goals, your suburb and your budget. You get local knowledge and lender-policy expertise in one place.
Buying or refinancing a home is one of the biggest financial decisions you’ll make. We simplify the process with honest advice, tailored lending solutions and dedicated support from your first conversation through to settlement.
Every lender has different lending criteria. We compare your circumstances against lender policies to recommend home loan options that best suit your financial goals.
We handle the paperwork, communicate with lenders and proactively manage your application to help avoid unnecessary delays.
Whether you're buying your first home, refinancing, investing or consolidating debt, we help Melbourne borrowers compare options and choose a loan that supports their financial goals.
Buying your first home in Melbourne doesn't have to be overwhelming. We help you understand your borrowing position, check which first home buyer schemes and concessions you may be eligible for, and guide you through the application from start to settlement.
If your current home loan no longer suits you, we can review it and compare other options that may better fit your situation, whether that's a sharper rate, a better structure, or accessing equity to renovate or invest.
Compare Refinance Options
Whether you're buying your first investment property or growing a portfolio, we help you explore lending options that support your longer-term investment plans.
Combining eligible debts into a single home loan may help simplify your repayments and improve your cash flow. We'll help you weigh up whether it makes sense for your circumstances.
If you’re buying your first home in Melbourne, there’s genuine government help available, and it can meaningfully change what’s achievable. These are separate programs that can sometimes be used together, so it’s worth knowing which apply to you.
A one-off $10,000 grant for eligible first home buyers building or buying a new home valued at $750,000 or less (the home must not have been previously sold or lived in).
Eligible first home buyers pay no stamp duty on a home valued up to $600,000 and $750,000. On a Melbourne purchase, that can save many thousands of dollars.
Lets eligible first home buyers purchase with as little as a 5% deposit while avoiding Lenders Mortgage Insurance (LMI), with the government guaranteeing the rest. As of late 2025 there is no income cap on this scheme.
Lets you make voluntary extra contributions to your super and later withdraw them (up to the current limit) toward your first home deposit.
Government shared-equity programs (such as the Victorian Homebuyer Fund and the federal Help to Buy scheme) can help some buyers purchase with a smaller deposit. These programs change regularly, so we’ll confirm what’s currently open when we look at your situation.
Because these programs are set by state and federal budgets and change over time, we confirm the current figures, price caps and eligibility for your situation at the time of your application, rather than relying on a fixed number here.
From First Chat to Settlement
Buying a home is complicated enough without navigating lender requirements on your own. We guide you through the whole process.
Who we work with
We partner with over 40 Australian Banks and Lenders – from major banks to specialized institutions – giving you access to more than 2,500 loan products. Whether you need a fixed rate home loan, variable rate package, construction loan, or bridging finance, our Platinum Broker status and recognition as a Best Loan Administrator 2024 finalist ensures you receive expert guidance and superior service. Our strong lender relationships mean better options and outcomes for you.
For the finest Nepali Mortgage Broker in Sydney, Australia, and unparalleled service, choose Everest Home Loans today. Your success is our success, and we’re dedicated to being here for you.
We’re committed to making your home loan journey simple, transparent, and stress-free. With personalised advice, access to a wide range of lenders, and expert support from start to finish, we help you find the right loan with confidence.
At Everest Home Loans, we support you from comparing lenders and preparing your application to managing the approval process, so you can focus on finding the right property.
I had a great experience working with Rajesh as my mortgage broker. From the very beginning, he was professional, knowledgeable, and genuinely committed to finding the best loan option for me. He explained everything clearly, answered all my questions patiently, and made what can be a stressful process feel smooth His communication was excellent, and I always felt confident that my application was in good hands. I highly recommend Everest Home loans to anyone looking for a reliable and trustworthy mortgage broker. I wouldn’t hesitate to work with him again in the future.
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I had a great experience working with Rajesh Kandel from Everest Homes loan, during my refinancing process. He was knowledgeable, helpful, and always ready to answer all my questions patiently. What really stood out was his deep understanding of the economy, finance, and investment, which gave me a lot of confidence throughout the process. He also uses modern technology to make refinancing smooth and convenient, unlike anything I had experienced before. Most importantly, he genuinely puts himself in your situation and provides advice that is tailored to your needs rather than a one-size-fits-all approach. I’m also looking forward to continuing to work with him and receiving his support in the future as my financial goals evolve. I highly recommend Everest Home Loan to anyone looking for a professional, reliable, and forward-thinking mortgage broker.
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Buying our first home felt very overwhelming, but Rajesh Dai made the entire journey incredibly smooth and stress-free! 🙌🏡As first-home buyers, we had endless questions. Rajesh dai was so patient, professional, and clear with his advice. He explained everything step-by-step and guided us through all our borrowing options. He was always available to chat whenever we needed him! 📞💼We are so grateful for his hard work and support in helping us achieve our dream of homeownership. 🎉 If you want a trustworthy, reliable, and knowledgeable mortgage broker, we highly recommend Everest Home Loans! 💯✨
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Rajesh Dai provided exceptional service throughout our home loan journey. He was professional, knowledgeable, and always available to answer our questions. He made the entire mortgage process smooth and stress-free, keeping us informed every step of the way. His dedication and commitment to finding the best loan option for us were truly appreciated. We are very grateful for his support and highly recommend Rajesh Dai to anyone looking for a reliable and trustworthy mortgage broker. Thank you for helping make our dream of homeownership a reality! 😊🏡
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Thank you, Rajesh dai, for your guidance and support throughout our home loan journey. We truly appreciate your help in finding the best loan provider based on our personal circumstances and financial situation. Your timely communication and ability to complete everything within the required timeframe made a big difference and really helped ensure a smooth buying and settlement process. Thank you once again—we look forward to working with you again for our next purchase.
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We had a great experience working with our Rajesh dai while buying our new home. From the very beginning, he guided us through each step clearly and made the whole process much less stressful. He explained our borrowing options, helped us understand interest rates, and handled all the paperwork efficiently. His communication was excellent — always quick to respond and happy to answer our questions. He also worked hard to find us a competitive rate and supported us right through to settlement. As first-home buyers, we really appreciate his patience, professionalism, and honest advice. We would highly recommend his services to anyone looking for guidance when purchasing a new home. 🏡✨
Read MoreEverest Home Loans helps home buyers, homeowners and investors right across Greater Melbourne with personalised home loan support.
