Simplifies the mortgage process

Converting your dream into reality smoothly

Lets Get Started

About us

Established in 2021, Kaaya Home Loans is a mortgage brokering business under KAAYA PTY LTD. It provides numerous home loan services (mortgage brokering), such as home loans (owner-occupied, existing, and land and construction), investment loans, and car loans.


We believe in effective and efficient customer service by simplifying the mortgage process by explaining each detail of the loan process, the challenges and opportunities of different types of loans, and assisting the clients (buyers) in finding the right property per their financial conditions. Furthermore, Kaaya Home Loans concentrates on time management, ensuring that any operation from the loan application process to settlement can be accomplished efficiently by bridging the gap between clients’ (buyers’) preferences and lender offers (banks and financial institutions).

Mr. Hem Adhikari

Founder / Principal Broker / Mortgage Consultant

Hem has good customer service, training, and consulting experience.

A friendly person by nature, Hem is focused on making people happy with the way he shares information and consults with everyone.


Home Loan

First home buyers


Property investment

House and Land Package

Assets Finance/ Car Loan

Accredited with more than 40 lenders in Australia

Why Kaaya?

Home Loan Process



Hem Adhikari


0414 148 772



16 Parry Street, Pendle Hill, NSW, 2145

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General understanding of the home loans procedure / Videos (In English)

General Understanding of the home loans (Videos in Nepali)

Useful Links