Verified review
Very professional service, loan approved within weeks. Thanks 365.
Bijay Ghimire
Investment property loan
Mortgage Brokers
CMA rating
365 Home Loans
Registration Active· CR 456382Sydney, NSW
5.0
1Reviews
5.0
Google1Offices
33 Oakhill Drive, Castle Hill, NSW, 2154
+61 433 543 224CompareMyAgents Research Summary
This information is based on publicly available data and CompareMyAgents research. It does not constitute a recommendation.
- Registration: Active · CR 456382
- Website reviewed: Website present and reviewed
- Office location: 1 office location on record
- Contact details: Contact information on record
- Data source: CompareMyAgents research
- Profile last updated: 14 August 2026
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Office locations
- Primary office
33 Oakhill Drive
Castle Hill, Sydney, NSW, 2154
Compare mortgage brokers in Sydney.
Business overview
365 Home Loans is a Sydney mortgage broking practice based in Castle Hill, led by founder and senior broker Jwala Aryal (Credit Representative 456382), operating under Australian Credit Licence 384704 held by the aggregator Finsure Finance and Insurance. It is a member of the MFAA (153691) and covered by AFCA external dispute resolution. The practice offers access to a panel of more than 40 lenders — including the four major banks — across first-home, upgrader, refinance, investment, SMSF, self-employed (full / alt / low doc) and land-and-construction lending, with land and construction its stated specialty. Broking is free to the client: the lender pays the broker a commission that is disclosed in writing, and the practice operates under the Best Interests Duty. Service is available in English, Nepali and Hindi — in the Hills and Greater Sydney in person, and Australia-wide by phone and video.
Languages spoken
EnglishNepaliHindi
Based on publicly available information and CompareMyAgents research. Last updated August 2026.
Best for
Sydney borrowers — especially first-home buyers, self-employed applicants, and those planning a land-and-construction or SMSF purchase — who want one senior broker across the whole file, with Nepali or Hindi language support.
Services & pricing
| Service | Price | Details |
|---|---|---|
| First home buyer loans | Free to you | First Home Owner Grant, stamp-duty concessions and the Home Guarantee Scheme (5% deposit, no LMI), matched to lenders who accept your deposit and savings history — including rental-ledger, gifted-deposit and guarantor options. |
| Land & construction loans | Free to you | Progressive-drawdown construction finance with fixed-price contract review, valuation strategy and knockdown-rebuild/duplex structuring — the firm's stated specialty. |
| SMSF property lending | Free to you | Limited-recourse borrowing (LRBA) with bare-trust structuring, sole-purpose-test and liquidity compliance, placed with the small number of lenders who write these properly. |
| Refinancing | Free to you | Rate review, equity release and debt consolidation, benchmarked across a 40+ lender panel. |
| Investment property loans | Free to you | Loan structuring for portfolios — interest-only vs P&I, offset splits, debt recycling, lender sequencing and LMI considerations. |
| Self-employed / Alt & Low Doc | Free to you | Full, Alt and Low Doc pathways for ABN holders, contractors and sole traders, matched to each lender's evidence rules and LVR caps. |
Pricing based on publicly available information. Verify directly with the consultant.
Editorial assessment
What we love
One senior broker — the founder — manages every file from first call to settlement, rather than handing you to a junior or a processing team.
Access to a panel of 40+ lenders, including all four major banks, through the Finsure aggregator.
Free to the borrower: the lender pays a commission disclosed in writing, and the broker operates under the legal Best Interests Duty.
Where it falls short
A single-broker practice, so capacity and turnaround depend on the founder's caseload at the time.
The lender panel is limited to those accredited under the Finsure aggregator — broad, but not the entire market.
In-person service is centred on Sydney's Hills district; borrowers elsewhere are served remotely rather than face to face.
Based on CompareMyAgents research. Independent assessment — not provided by the business.
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Reviews(119)
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CompareMyAgents · 1 verified review
5.0
Google · 118 reviews
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CompareMyAgents reviews are email-verified. Every reviewer confirmed their submission by clicking a verification link before their review was published.
Google review2 months ago
I had a fantastic experience working with 365 Home Loans. From our very first conversation, Jwala Ji made the entire mortgage process incredibly smooth, transparent, and stress-free. He took the time to understand my financial goals, clearly explained all of my options, and worked tirelessly to secure a great rate. His communication was top-notch—I was kept updated every step of the way, and no question was too small for him to answer. If you are looking for a broker that is professional, highly knowledgeable, and genuinely cares about their clients, I can't recommend 365 Home Loans enough!
Ravi Prakash Giri
Google Maps
Google review2 months ago
A huge thank you to Jwala Aryalji and the 365 Home Loans team for the outstanding support throughout our property purchase. We chose Jwalaji for the second time because of the trust and confidence we had from our first experience, and once again he exceeded our expectations. From communication to guidance, everything was handled professionally and efficiently. He genuinely cares about his clients and works hard to achieve the best outcome. We are very grateful for all his help and would confidently recommend him to anyone looking for a reliable mortgage broker.
Sushil Karki
Google Maps
Google review2 months ago
We recently purchased a property and once again chose "365 Home Loans" and Jawala Aryal ji as our mortgage broker. This is the second time we’ve worked with him, and the experience has been excellent from start to finish. Jawalaji is professional, knowledgeable, responsive, and always made the whole process smooth and stress-free. We truly appreciated his guidance, patience, and dedication in helping us secure the right loan for our needs. Highly recommend him to anyone looking for a reliable and trustworthy mortgage broker. Thank you again for all your help!
work work
Google Maps
Google review3 months ago
I had a fantastic experience working with Jwala and couldn’t be more impressed with their level of resourcefulness and dedication. He went above and beyond to explore multiple lending options and tailored a solution that perfectly suited my financial situation. What really stood out was his ability to navigate challenges and find alternatives where others might have stopped. No matter how complex the situation seemed, he always had a solution or a strategy ready. His deep knowledge of the market, combined with their strong network, made the entire process smooth and efficient. He was also incredibly responsive and transparent, keeping me informed at every stage and explaining everything clearly so I could make confident decisions. Thanks to his hard work and persistence, I was able to secure a great deal that I’m truly happy with. I highly recommend Jwala and his team services to anyone looking for a reliable, proactive, and highly resourceful mortgage broker.
Manorama Das
Google Maps
Google review8 months ago
We had an absolutely fantastic experience working with Jwala sir and Binita mam from 365 Homeloan for our recent purchase. Our initial consultation to the final approval their professionalism and dedication were second to none. Jwala and Binita took the time to truly understand our financial situation and homeownership goals. Their deep knowledge of the mortgage market meant they were able to present us with a wide range of options, clearly explaining the pros and cons of each. They didn't just find us a loan; they found us the best loan for our specific needs, securing a competitive rate and excellent terms. What truly set them apart was their communication. They were always responsive, patient, and proactive, keeping us informed at every step of the process. They answered all our questions promptly and clearly, which turned what could have been a stressful experience into a smooth and straightforward one. We are incredibly grateful for their expert guidance and would highly recommend Jwala sir and Binita mam to anyone seeking a mortgage broker who genuinely cares about their clients' success."😍👌
suman kharel
Google Maps
Frequently asked questions
CompareMyAgents Editorial
The bottom line
A Castle Hill–based, single-principal broking practice operating under the Finsure aggregator's credit licence, with a stated focus on land-and-construction and SMSF lending — two of the more structure-heavy corners of home lending — alongside standard first-home, refinance and investment work. Because it runs on one senior broker with support staff rather than a team of advisers, clients deal directly with the same person throughout; the trade-off, as with any single-broker practice, is that capacity depends on caseload. Broking is free to the borrower, with commissions disclosed under the Best Interests Duty. As with every listing, confirm the credit representative number on ASIC and read the credit guide before proceeding.
Independent editorial assessment by CompareMyAgents. Not paid for or approved by the business.
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