HOBART, LAUNCESTON, DEVONPORT, BURNIE AND TASMANIA
Nepali mortgage broker in Hobart and Tasmania
Home loans for first home buyers, refinancers and families building a new home in Hobart, Launceston, the North West Coast and across Tasmania.
नेपाली · हिंदी · English
MFAA member · AFCA member · Platinum broker with Commonwealth Bank, Westpac and NAB
★★★★★ 5.0 rating
450+ five-star Google reviews · Rajesh Kandel, Senior Mortgage Broker
Recognised. Trusted. Recommended.
Our commitment to excellence has been recognised by industry experts and, more importantly, by our clients.
WHY TALK TO RAJESH
Your Nepali mortgage broker for Hobart and Tasmania
फोन गरौ, कुरा गरौ, घर किन्ने सपना पुरा गरौ।
Buying a home in a new country is a big step. The rules, the paperwork and the bank language can feel hard. You should be able to ask every question in the language you think in.
I am Rajesh Kandel, Senior Mortgage Broker at Everest Home Loans. Since 2015 I have helped families buy, build and refinance across Australia, including Hobart, Launceston, Devonport and Burnie.
Before broking I worked as a nurse in aged care and hospitals. I understand shift work, penalty rates and overtime, and how lenders treat that income.
We talk in Nepali, Hindi or English, by phone or video call. You get the same broker from your first question to settlement day and after.
Right advice
We compare 40+ banks and lenders to find the right loan for you, not just one bank's options.
Lifetime support
The same broker from your first question to settlement day, then yearly loan reviews.
Multilingual team
Full service in English, Nepali and Hindi, from a broker who shares your background.
Company Introduction
Everest Home Loans is a trusted mortgage brokerage company, led by Senior Mortgage Broker Rajesh Kandel, dedicated to connecting clients with suitable home loan solutions from 40+ leading Australian banks/lenders. Since 2015, we've assisted more than 1,500 clients across Australia, providing personalised service in multiple languages, including English, Nepali, Hindi, and Punjabi. Our commitment to excellence is reflected in over 453 five-star Google reviews, and our recognition as a platinum mortgage broker by Commonwealth Bank, Westpac, and National Australia Bank. Based in Melbourne and servicing clients nationwide, we help Australian home buyers navigate the property market with the same expertise we bring to every client across Australia.
Personalised service in English, Nepali, and Hindi
Platinum broker recognition by Commonwealth Bank, Westpac Bank, and National Australia Bank
Book Consultation
11 years
Broking since 2015
$400M+
Loans settled
1,500+
Home loans settled
Over 98%
Approval rate
40+
Banks and lenders
Who I help in Hobart and Tasmania
First home buyers
Tasmania pays a $20,000 grant on new homes, and shared equity can cut your deposit to 2%. I check every scheme you qualify for.
Buying or upgrading
Selling and buying, moving closer to schools or work, or buying your next home. I work out your borrowing power across lenders, not just one bank.
Land and new builds
Popular in Brighton, Sorell, Kingston, Legana and Latrobe. I set up the land and construction loans so your deposit, grant and progress payments line up.
Refinancing
Paying more than new customers or coming off a fixed rate? I compare your loan across 40+ lenders and handle the switch.
GRANTS AND SCHEMES
First home buyer help in Tasmania
Tasmanian first home buyers can combine state and federal support. These are the main options as of October 2026.
TAS GRANT
$20,000
First Home Owner Grant
For building or buying a new home, on contracts from 1 July 2026 to 30 June 2027. You must live in the home for at least 6 months.
FEDERAL SCHEME
5% deposit
5% Deposit Scheme
No lenders mortgage insurance (LMI). Price cap $700,000 in Hobart and $550,000 elsewhere in Tasmania. No income cap.
TAS SHARED EQUITY
2% deposit
MyHome
Homes Tasmania can own up to 40% of a new home (up to $300,000) or 30% of an existing home (up to $150,000). Income and asset limits apply.
ALSO WORTH CHECKING
Stamp duty
The exemption for first home buyers of established homes up to $750,000 covered settlements to 30 June 2026. I check what applies on your contract date.
First Home Super Saver (FHSS)
Save for your deposit through voluntary super contributions.
Most schemes need you to be an Australian citizen or permanent resident, and MyHome needs you to live in Tasmania. I check each scheme against your situation before you sign a contract.
Land and construction loans in Tasmania
Buying a block and building is popular in Brighton, Sorell, Kingston, Legana and Latrobe. It needs a different loan setup from buying an established home.
Step 1
Land loan
You buy the block first, then sign a fixed-price building contract with your builder.
Step 2
Construction loan
The lender pays your builder in stages: slab, frame, lock-up, fixing and completion. You usually pay interest only on what is drawn.
Step 3
Grant
If you are eligible, the $20,000 First Home Owner Grant can go towards your build.
Step 4
Keys in hand
The loan moves to normal repayments once your home is finished.
I help you check the builder contract, the bank valuation and any cost gaps before you commit. Planning for variations and site costs early avoids stress at slab or lock-up.
Refinancing your home loan in Hobart
A refinance review takes about 20 minutes. I look at:
✓ Your rate against what other lenders offer you today
✓ Whether a fixed rate is ending soon
✓ Combining car loans or cards into one repayment, where it makes sense
✓ Using equity to buy land, build or buy an investment property
If staying with your current lender is better, I tell you that too.
Home loans for migrants and visa holders
✓ New permanent residents and citizens with a short Australian work history
✓ Nurses, aged care, disability support and healthcare shift income
✓ Uber, delivery and self-employed ABN income
✓ Partner and skilled visa holders
✓ Overseas income and gifted deposits from family
On a temporary visa? You may need approval from the Foreign Investment Review Board (FIRB) and pay Tasmania's foreign buyer duty surcharge. Grants, MyHome and the 5% Deposit Scheme are not available. I explain your options before you start looking.
Areas we serve across Tasmania
Hobart and the South
Glenorchy, Moonah, New Town, Sandy Bay, Kingston, Rosny, Bellerive, Howrah, Sorell, Brighton, Bridgewater, Claremont, New Norfolk and Huonville.
Launceston and the North
Kings Meadows, Newnham, Prospect, Riverside, Legana, Youngtown, Ravenswood and George Town.
North West Coast
Devonport, Burnie, Ulverstone, Latrobe, Penguin and Wynyard.
We work with Tasmanian clients by phone and video, so distance is not a barrier.
Frequently asked questions
Do you offer mortgage broking in Nepali and Hindi in Hobart?
Yes. I provide full mortgage broking in Nepali, Hindi and English for clients in Hobart and across Tasmania. We meet by phone, WhatsApp or video call.
Do you help clients in Launceston, Devonport and Burnie?
Yes. I work with clients across Tasmania, including Launceston, Devonport, Burnie and Ulverstone. The process is the same, and documents are signed online.
How much deposit do I need to buy my first home in Tasmania?
Eligible first home buyers can buy with a 5% deposit and no LMI under the 5% Deposit Scheme, up to $700,000 in Hobart and $550,000 elsewhere in Tasmania. MyHome accepts deposits from 2% if you meet its limits.
How much is the Tasmanian First Home Owner Grant?
$20,000 for building or buying a new home, for contracts from 1 July 2026 to 30 June 2027. Established homes do not qualify, and you must live in the home for at least 6 months.
Do first home buyers pay stamp duty in Tasmania?
The exemption for first home buyers of established homes up to $750,000 covered settlements to 30 June 2026. Duty rules depend on your contract and settlement dates, so I check what applies before you sign.
How does a construction loan work in Tasmania?
The lender pays your builder in stages as the home is built. You usually pay interest only on the amount drawn. Once the home is complete, the loan moves to normal repayments.
Can nurses and aged care workers use overtime and penalty rates to borrow?
Often yes. Many lenders count regular overtime, shift allowances and penalty rates if you can show a steady history. I match you with lenders that treat this income well.
Does it cost anything to use your service?
In most cases, no. The lender pays the broker a commission. I tell you the amount before you proceed.
Talk to a Nepali mortgage broker in Hobart today
First home, new build or refinance, start with one free consultation.
This page is general information only and does not consider your objectives, financial situation or needs. Tasmanian scheme figures are current as of October 2026 and can change. Eligibility and lending criteria, fees and charges apply.
Approval Rate
Over 98%*
Expertise/Experience
11 Years
Loan Approved
400+ Millions
Home Settled
1500+
Book an appointment with our Mortgage and Finance Broker for expert guidance on home loans, refinancing, investment properties, and more.
We Speak · English · Nepali · Hindi
Kandel & Co Pty Ltd t/a Everest Home Loans is an Authorised Credit Representative – 506833, and Rajesh Kandel is an Authorised Credit Representative number – 476341 of Connective Credit Services Pty Ltd ABN 77 161 731 111 (Australian Credit Licence No.389328).
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