Nepali Mortgage Broker Epping | Home Loan Expert in Nepali | Everest Home Loans
Nepali Mortgage Broker in Epping, Melbourne
Welcome to Everest Home Loans – Epping's trusted Nepali-speaking mortgage broker serving Melbourne's thriving northern suburbs. Whether you're a first home buyer, upgrading your property, or refinancing your existing home loan, we're here to help you navigate the Australian home loan market with confidence and clarity.
Why Epping Home Buyers Choose Everest Home Loans
Nepali-Speaking Expert
Get personalised advice from Rajesh Kandel, who understands your language, culture, and unique financial situation. No language barriers, no confusion.
Local Epping Expertise
Deep knowledge of Epping, Whittlesea area, and Melbourne's northern suburbs property market including new estates and developments.
Access to 30+ Lenders
Compare 2,500+ home loan products to find the best rate and features for your specific needs and circumstances.
1,500+ Clients Helped
Trusted by the Nepali community since 2015 with a proven track record of successful home loans.
416+ Five-Star Reviews
Melbourne's highest-rated Nepali mortgage broker with exceptional client satisfaction and testimonials.
Platinum Broker Status
Recognised by CBA, Westpac, and NAB for excellence in mortgage broking services.
No Broker Fees
Our service is completely free for you – lenders pay us, so you get expert advice at no cost.
Flexible Meetings
In-person meetings in Epping, phone consultations, or video calls via Zoom/WhatsApp – whatever suits you best.
Our Home Loan Services in Epping
First Home Buyer Loans
Buying your first home in Epping or nearby suburbs? We'll help you access:
- First Home Owner Grant (FHOG) – up to $10,000 for new homes
- First Home Loan Deposit Scheme (FHLDS) – buy with just 5% deposit, no LMI
- Victorian Stamp Duty Concessions – save thousands on stamp duty
- Low Deposit Home Loans – options from 5-10% deposit
- Guarantor Loans – use parents' equity to avoid LMI
- First Home Buyer Education – we explain every step in Nepali
Refinancing & Rate Reviews
Already own a home in Epping? We can help you:
- Reduce Your Interest Rate – save hundreds per month
- Switch to Better Features – offset accounts, redraw facilities
- Consolidate Debts – combine credit cards and personal loans
- Access Home Equity – release funds for renovations or investments
- Remove LMI – if your property has increased in value
- Free Rate Review – we'll check if you're getting the best deal
Investment Property Loans
Building your property portfolio in Melbourne? We specialise in:
- Competitive Investment Rates – access to specialist lenders
- Interest-Only Options – maximise tax benefits and cash flow
- Tax-Effective Structures – loan structures for investors
- Portfolio Lending – strategies for multiple properties
- Negative Gearing Advice – understand the tax benefits
- Rentvesting Strategies – rent where you live, invest where you can afford
Construction & House & Land Packages
Building your dream home in Epping or surrounding areas? We arrange:
- Construction Loans – specialist lenders for building projects
- Progress Payment Management – funds released as building progresses
- House and Land Package Financing – complete solutions
- Off-the-Plan Purchases – apartments and townhouses
- Knockdown Rebuild Loans – demolition and rebuild projects
Nepali Language & Community Support
At Everest Home Loans, we understand the unique challenges and opportunities faced by Nepali families in Australia. Our Nepali-speaking mortgage broker, Rajesh Kandel, provides:
- Clear Communication in Nepali: Complex loan terms explained in simple Nepali language
- PR & Citizenship Support: Specialized assistance for permanent residents and Australian citizens
- Income Assessment Support: Help with casual, part-time, and multiple income sources
- Cultural Understanding: Respect for family structures and financial decision-making
- Community Connections: Trusted by hundreds of Nepali families across Epping and Melbourne
- Family Guarantor Arrangements: Help structuring loans with family support
Local Expertise in Epping & Northern Melbourne
We have extensive experience helping clients purchase and refinance properties throughout Epping and surrounding suburbs including:
- Epping – Established suburb with excellent transport and shopping
- Lalor – Family-friendly with parks and schools
- Thomastown – Affordable entry point with good amenities
- Mill Park – Popular suburb with Westfield shopping
- South Morang – Major growth area with new estates
- Mernda – Newest growth corridor with modern homes
- Doreen – Family suburb with excellent facilities
- Wollert – Emerging growth area
Our local Epping expertise includes:
- In-depth knowledge of Epping property values and market trends
- Understanding of Whittlesea City Council area developments
- Experience with lender postcode policies and LMI requirements
- Relationships with local real estate agents and conveyancers
- Knowledge of school zones, public transport (train line), and facilities
- Understanding of property appreciation potential in northern suburbs
- Experience with new estates and major developers in the area
Our Simple Home Loan Process
Step 1: Free Initial Consultation
Meet with us in person in Epping area, by phone, or via video call. We'll discuss your goals, financial situation, and answer all your questions in Nepali or English.
Step 2: Loan Strategy & Lender Comparison
We'll search through 30+ lenders and 2,500+ products to find the best home loan options for your specific needs and circumstances.
Step 3: Application & Approval
We'll prepare your application, liaise with the lender, and keep you updated throughout the approval process. We handle all the paperwork and negotiations.
Step 4: Settlement & Ongoing Support
We'll guide you through settlement and remain available for ongoing support, rate reviews, and future refinancing needs.
What Our Epping Clients Say
"Rajesh helped us buy our first home in Epping. He explained everything in Nepali and made the whole process so easy. We got our PR last year and Rajesh helped us secure a great home loan. Highly recommend!"
– Suman & Anjali, First Home Buyers, Epping
"We refinanced our home loan through Everest Home Loans and saved $420 per month! Rajesh found us a much better rate than our bank was offering. The service was excellent and all in Nepali. Thank you so much!"
– Prakash K., Epping Homeowner
"As a first-time buyer, I was nervous about the process. Rajesh explained everything step by step in Nepali and helped me get the First Home Owner Grant. I'm now a proud homeowner in Lalor thanks to Everest Home Loans!"
– Binita S., First Home Buyer
Join over 416+ clients who rated us 5-stars on Google!
Frequently Asked Questions – Nepali Mortgage Broker Epping
Do I need permanent residency to get a home loan in Epping?
Yes, generally you need to be an Australian permanent resident or citizen to qualify for a home loan. We specialize in helping PR holders and citizens navigate the home loan process with confidence.
How much deposit do I need to buy in Epping?
While 20% deposit is ideal to avoid LMI, you can buy with as little as 5% deposit through the First Home Loan Deposit Scheme or with certain lenders. We'll explain all your options and costs.
Do you charge broker fees?
No! Our service is completely free for you. We're paid by the lenders, so there's no cost to you for our expert advice and support.
Can we meet in person in Epping?
Absolutely! We offer flexible meeting options including in-person meetings in Epping or surrounding suburbs, phone consultations, and video calls via Zoom or WhatsApp.
What documents do I need for a home loan?
Typically: ID (passport/driver's license), proof of income (payslips, tax returns), bank statements, and proof of PR or citizenship. We'll provide a complete checklist during your consultation.
How long does approval take?
Pre-approval can take 1-3 days with some lenders. Full approval typically takes 1-2 weeks, depending on the lender and complexity of your application.
Can you help with the First Home Owner Grant?
Absolutely! We'll help you access all available grants, schemes, and concessions including FHOG (up to $10,000), FHLDS (5% deposit), and Victorian stamp duty concessions.
What if I have casual or part-time employment?
No problem! We work with lenders who accept casual and part-time employment. Generally, you'll need at least 6-12 months of consistent employment history.
Can you help if I'm self-employed?
Yes! We have access to lenders who specialise in self-employed borrowers. Depending on your situation, you may need 1-2 years of tax returns, or we can use alternative documentation.
Is Epping a good suburb to buy in?
Epping is an excellent suburb with train station access, Pacific Epping shopping centre, good schools, and strong community. It's popular with families and first home buyers. We can provide detailed market insights during your consultation.
Can you help with house and land packages?
Yes! We have extensive experience with house and land packages, off-the-plan purchases, and construction loans. We'll ensure your finance is structured correctly for progress payments.
What's the difference between pre-approval and full approval?
Pre-approval is an initial assessment giving you an indication of borrowing capacity (valid 3-6 months). Full approval comes after you've found a property and the lender has assessed everything including property value.
Ready to Start Your Home Buying Journey in Epping?
Whether you're buying your first home in Epping, upgrading to a larger property, building wealth through investment, or refinancing to save money, Everest Home Loans is here to help you achieve your property goals. As Epping's trusted Nepali mortgage broker, we're committed to providing you with expert advice, competitive rates, and exceptional service – all in your language.
Everest Home Loans – Your Trusted Nepali Mortgage Broker in Epping, Melbourne. Helping Nepali families achieve the Australian dream of homeownership since 2015.
Approval Rate
Expertise/Experience
Loan Approved
First Home Buyers
Lifetime Support
Why Everest Home Loans?
On Your Side
Trusted. Accredited.
Lifetime Support
No It's Your Turn
Our mission is simple: to make your Australian Dream come true. We understand that buying a home is a significant milestone in your life, and we are here to guide you through the entire process. Our focus is always on your needs and ensuring that you have the best possible experience as you step into your dream home.
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Book an appointment with our Finance Broker/CEO for expert guidance on home loans, refinancing, investment properties, and more.
At Everest Home Loans, we are more than just a mortgage broker. We are your dedicated partners on your journey to homeownership.
Contact
0431 790 889
03 9005 3955
raj@everesthomeloans.com.au
35 Captain Pearson Drive,
Mickleham VIC 3064
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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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