Accredited with more than 40 lenders in Australia

As new home buyers, we were completely naive about the housing market. The way you cleared our minds by showing utmost patience in explaining the intricacies involved with the loan process clearly and concisely, is commendable indeed !! Thank you so much for your prompt responses to our queries while we were going through housing options. We would highly recommend you for our near ones when comes to choosing a mortgage broker! 😃

We received professional and helpful service on our first home purchase. Every question we had was answered in a timely manner. Hem ji was easy to talk to and made sure we understood everything that was presented to us. He helped us putting up offers for the house and explaining all steps forward. We were very pleased with the interest rate we received. We will absolutely use him again in the future.

Kaaya Homes 🏡 provides High quality service. Hem has been very professional , informative and dedicated throughout the process of refinancing. Highly recommended

Great guy Great service and advice.. always available and always give us great advice and service. Thanks Hem jee😀

Professional and always available for support. Highly recommended.

I had a consultation in regard to home loan refinance with hem sir, appreciate for his good advice, timely response and excellent service. I would definitely consult with him in future

Very good 👍 service , highly recommended

Couldn’t think refinance is so simpler and easy. Thanks to Hem for being so humble and effective throughout the process. I will highly recommend to contact Hem for any home loan or refinancing queries

As a first home buyer, I cannot recommend Kaaya home loans highly enough. From the time we started looking for a house to the day we settled, Hem ji has supported us tremendously.

Thank you so much Hem ji for assisting me to refinance my home loan. You have provided all the informations to make informed decision. You are very professional, always available to help, responding to all query which was easy to understand. I highly recommend your service. I wish you for all the success in upcoming days😊.

Hem jee (kaaya home loans) did our whole loan approval process so smoothly that we had no headache at all. He was always available anytime for the queries and patiently made us understand complex financial technical terms and their exact meaning in such a simple way that we indeed feel blessed to have had opportunity to work with him. We strongly recommend his service to anyone looking for the home loan solutions..beleive me you won't be disappoined.

I strongly believe that I made a wise choice by selecting Kaaya Home Loans for my finances in regards to my first home. As a new home buyer in uncertain times that we live in, it was quite confusing to make choice among many providers that already exist. Hem was able to diligently make me understand the nitty-gritty of the home loan that we required in respect of my situation. We chose the best product that was rightly suitable to us at the given market scenario due to his deep insights and commanding knowledge that he had in his discipline. He is more than happy to take calls at any time or calls back right away if he misses the call, sent me the core-logic reports of the property that I was inspecting ensuring that I knew where I was standing in the property market, and most importantly facilitating the overall process. In general I only submitted the documents that he asked and I was home loan ready. He remained professional at all times and helped me navigate through arguably one of the most difficult life decisions. I would highly recommend Kaaya Home Loans to everyone.

We were confused and stressed as a first home buyer. Hem dai was so helpful through out our journey. He not only assisted us on our home loan process but also provided assistance for property market. I can’t speak highly of Hem dai who is no doubt professional and down to earth person. Easily reachable, reliable and professional. High recommended if anyone is looking for home loan process.

Reliable, professional and easily reachable. I have no doubt we will use your service next time if needed. Thank you for all your consultation and guidance in our home journey.

Thank you so much Hem Dai for your guidance and support for our home. You made the process smooth and stress free. You were just a call or text away. I highly recommend your service to everyone. ❤️❤️❤️

Thank you Kaaya Home Loans (Hem ji) for providing the best home loan rates. He was always there for communication whenever we come across any new problem during our home loan journey and has always being suggesting us with his valuable ideas whenever needed. He is efficient, professional, knowledgeable and trustworthy so, I suggest everyone not to miss the services provided by Kaaya Home Loans.

Excellent service! Very helpful! Easy reach and good communication about the mortgaging solutions. Give Hem a go, he will sort your mortgage!

Thank you Hem ji for providing the best service and being there for us anytime when we needed suggestions. Throughout my journey for home loan with him, I always found Hem as a reliable, genuine, punctual and efficient person. We are very much satisfied with his service. Thank you Hem ji for all your help and providing us best solutions. I highly recommend everyone to Kaaya Home Loans for any loan and mortgage solutions.

If you looking for whole package choose kaaya home loan. His dedication towards his work is phenomenal. The whole process was smooth and he got the best deal for us. We are glad that we choose kaaya home loans. Thank you for everything.

From the beginning to the end, the process of renewing our mortgage was stress free. Plenty of recommendations throughout the process, explained everything in detail. Hem is very honest, sincere and truley cares about his clients. We couldn't recommend him more, we will certainly be returning.

We are so grateful to receive Hem’s services as a first home buyer. He is available at all times, showed great patience with all our silly questions and managed to secure a great home loan for us. He guided us throughout the process, prioritised our matter and managed to get us a better loan in a quick time. Overall, we were highly satisfied with his services and transparency. We would like to thank Hem again for making our home loan process smooth and stress free. Even my friends were surprised when our loan settled in 3weeks, I will definitely use his service for my future loan application or refinancing, highly recommended ✌️

Please recommend Kaaya Home for its great support in helping us succeed in acquiring our new house. Thank you so much for assisting with the home loan process; you are a very supportive person. Thank you for all.🙂🙂❤

Thank you kaaya home loans for good service and advice for our home loan refinancing . Hats off Hem jiii, Great service, quick and easy to deal. Highly recommended

Thank you Kaaya Home Loans for the hassle-free journey for our home loan. From the moment I reached out to Hem for assistance with my mortgage, he demonstrated professionalism and expertise that put me at ease. What truly stood out was their unwavering commitment to ensuring I had the best possible outcome. He was always just a phone call away, promptly addressing any questions or concerns I had throughout the process. Overall, my experience with Hem was exceptional. I highly recommend his service to anyone in need of mortgage assistance. Thank you for making what can be a daunting process feel smooth and stress-free!

Shoutout to Hem, my mortgage guru! 🌟 Hem turned the daunting refinancing journey into a smooth ride. Quick responses and his expert advice – made the process way less stressful. If you're on the mortgage hunt, Hem's your go-to guy! 👏 #HappyHomeowner"

Hem from Kaaya home loan service has been exceptional to work with. As the saying goes, anyone can provide service, but he truly understands the buyer's needs, offers excellent suggestions and recommendations, and promptly addresses every question and concern. His customer service is outstanding, available 24/7. In my experience, he has exceeded expectations, making it much easier for us to buy our first property. Keep up the great work, Hem! Best wishes from , Savanna , Noeleen & Saurab

Hem was an excellent broker from start to finish. He kept us informed at every step in a way that anyone could easily understand. Despite some unexpected finance issues, Hem and his team worked hard to quickly resolve them. Choosing Hem made the process smooth and easy, and we're thrilled to recommend his services.

Hem was incredible throughout the entire process of getting our home. He was friendly and patient, taking the time to explain everything to us in a way that was easy to understand. Whenever we had a question or needed clarification, he was always quick to respond and made us feel supported every step of the way. If you're looking for a home loan provider that genuinely cares about you and makes the process simple and stress-free, then Kaya Home Loans Sydney is the way to go!

Hem has been very honest and hardworking whilst refinancing our home loan. I would recommended him for his professionalism and thorough explanation of each steps during the process.

Working with Kaya Home Loan (Hem Adhakari) was an absolute pleasure from start to finish. His expertise and dedication made the mortgage process smooth and stress-free. I have been to many financial advisors and brokers over my life, but I have never before felt that they were not just trying to sell me the best product for them. Not at any point in time did I ever have cause to take pause on what Hem was recommending to me to help set up a good financial future for my family. His advice and help throughout the process have made the whole process very painless and easy. Thanks to his diligent work, I was able to secure a great mortgage deal that perfectly suited my needs. His communication was prompt and clear, and he was always available to address any questions or concerns I had. Cheers to Kaya Home Loans, and for anybody else thinking of going down the homeowner or property investor path, do yourself a favour and talk to Hem Adhakari. Really appreciate your good work. Thankyou🙏🙏🙏🙏

Hem has been phenomenal adviser, broker and supporter in granting our home loan. He was easy to approach and always answering the queries on time. I had great expressions of his mortgage broker service, and highly recommend him. Thank you for all your hard work Hem, we really appreciate it.

Thank you Hem ji for your best service. It was a long journey buying our first home but you were always there communicating and supporting in each step of our Home Loan process. We appreciate your genuine suggestions and guidance throughout. You were always passionate about your work. Thank you for being best advisor, humble & honest broker 🙏😊

Kaaya home loans have been very supportive throughout my journey. Thank you brother for always being available. It was great.

"Thank you, Kaaya Homes! You have been incredibly helpful throughout my house buying and refinancing journey. Working with you has been a pleasure, especially because you guided me through the maze of confusing information available in the market, ensuring I made informed choices every step of the way. One of the best aspects of working with you was your accessibility and professionalism. You were always approachable, never bound by time, which allowed me the space to make well-considered decisions. I highly recommend everyone to work with Hem Jee from Kaaya Homes. His expertise and support truly make a difference!"

I had an excellent experience with Mr. Hem, who provided outstanding service and tailored loan options to fit my needs. His professionalism and clear communication made the entire process seamless and stress-free.

We had an outstanding experience working with Hem. From the start, he demonstrated a deep understanding of the mortgage process and guided us through every step with professionalism and patience. His dedication and expertise were instrumental in helping us purchase our dream home. We highly recommend Hem to anyone in need of a reliable and knowledgeable mortgage broker.

Hem guided us and helped us every step of our home buying process. He is very knowledgeable and genuinely care for their clients, provides information and updates on timely manner. He even go out of their way to inform us of the updates even outside of their work hours. Constant reassurance about the process and possible outcome is one of the things we certainly value and appreciate as well. Our application is definitely not the easiest but with his dedication and hardwork, He managed to see it through. We highly recommend Kaaya home loans and will definitely recommend him to everyone needing mortgage advisors in building their homes mostly to our friends and family. Excellent service and great professionals. Thank you Hem for all your hardwork.

**Professional Expertise and Truly Outstanding Service from Mr. Hem Adhikari** From the moment we reached out to him, he made us comfortable and guided us through every step of the home loan process with remarkable clarity and professionalism. His deep knowledge of the market and loan products was evident as he tailored options to fit our specific needs. What sets him apart, however, is his genuine friendliness and unwavering support throughout the loan process and searching our first home. As this was the first home for us and got nervous making any decision but he was always available to us answering questions and providing guidance, making a potentially stressful experience smooth and manageable. We highly recommend Mr. Hem for anyone seeking a knowledgeable and personable home loan broker.