🌏 We Speak Your Language: English • नेपाली • हिंदी
Australia's Trusted
Multilingual Mortgage
Broker
Professional home loan guidance in English, Nepali, and Hindi. We've helped hundreds of families across Australia achieve their dream of homeownership — with clear communication and zero confusion.
300+ Five-Star Reviews
25/26 National Top 20 RMA
50+ Banks & Lenders
Serving All Australia
Our Lender Panel
Access to 50+ Leading Lenders
We compare hundreds of products to find the suitable deal for you.
Our Services
Home Loan Solutions for Every Journey
We provide extensive assistance for all your home loan and financing requirements. Regardless of your situation, our skilled team is dedicated to identifying the right options for you.
A well-structured loan can significantly impact your mortgage’s overall cost. With access to a diverse range of lenders, we will assist you in evaluating and selecting a home loan that meets your criteria.
Selecting a home is a significant choice, and obtaining the right mortgage is equally essential. With connections to more than 40 lenders, our team can assist you in securing an excellent offer for your first residence.
We provide clients with competitive rates and a diverse selection of market products. You might be missing out on significant savings each year by not refinancing, so reach out to us today.
Numerous Australians are eager to advance by investing in property. With a variety of products and lenders available, now presents a wonderful opportunity to strategically grow your investment portfolio.
Obtaining pre-approval allows you to know your borrowing capacity before making offers. We will assist you through the steps, prepare your application, and collaborate with the lender to obtain approval.
Whether managing debt, financing a significant purchase, or handling major expenses, a personal loan can assist in spreading the cost into manageable payments with a consistent repayment plan.
Specialist Lending
Home Loans for Medical & Professional Experts PLUS All
Tailored home loan packages for RNs, Midwives, Doctors, Dentists, Accountants and Legal professionals — with higher LVR, no LMI, and reduced income requirements from select lenders.
| Category | Max LVR | Min Income | Eligible Roles |
|---|---|---|---|
| Medical – Tier 1 | 95% | None | Dentists, General Practitioners, Medical Specialists, Hospital-employed Doctors (Interns, Residents, Registrars, Staff Specialists) |
| Medical – Tier 2 | 90% | $90,000 p.a. | Audiologists, Chiropractors, Midwives, Occupational Therapists, Osteopaths, Physiotherapists, Podiatrists, Psychologists, Radiographers, Registered Nurses, Sonographers, Speech Pathologists, Optometrists, Pharmacists, Veterinary Practitioners |
| Accounting | 90% | 90k+ | Various accounting roles meeting approved industry accreditation standards |
| Legal | 90% | $120,000 p.a. | Solicitors and other legal professionals meeting approved accreditation |
| Working Class | 90% | None | Cook/Chef, Disability Support Worker, AIN, Cleaning, IT Professionals, Waiters, Office Admin, Gardening, Tradies, Handyman, and more |
| Government Backed | 95–98% | None |
5% deposit with no LMI (First Home Guarantee) 2% deposit with no LMI for single parents (Family Home Guarantee) Check Eligibility → Property Threshold → |
2% deposit with no LMI for single parents (Family Home Guarantee)
Check Eligibility → Property Threshold →
How It Works
Your Home Loan Journey, Simplified
From first conversation to settlement, we make the process stress-free.
Initial Consultation
Tell us about your goals in English, Nepali, or Hindi. We'll assess your situation and explain your options clearly.
Loan Comparison
We compare hundreds of products from 20+ lenders to find competitive rates and features to suit your needs.
Application & Approval
We handle all the paperwork, liaise with lenders, and guide you through to unconditional approval.
Settlement & Beyond
We ensure smooth settlement and continue supporting you with annual loan health checks.
Real Results
Client Success Stories
Real outcomes from real clients. Every situation is different — here's how we've helped people just like you.
Situation
Temporary visa holders with limited credit history and only 10% deposit saved.
Purchase
$780,000
Deposit
10%
LVR
90% LVR
Key Benefit
Saved $12,000 in LMI with specialist lender
Key Benefit
Saved $12,000 in LMI with specialist lender
Situation
Existing variable loan at 6.8% with a major bank. Felt stuck and overwhelmed.
Purchase
$650,000 (existing loan)
Deposit
N/A — Refinance
LVR
75% LVR
Key Benefit
Rate reduced from 6.8% to 5.99%
Key Benefit
Annual saving of $8,200 with better offset features included.
Situation
Self-employed IT contractor with complex income. Rejected by 2 banks.
Purchase
$1.2M (total portfolio)
Deposit
20% per property
LVR
80% LVR
Key Benefit
Structured IO loans saving $15K/year in cash flow
Key Benefit
Approved with specialist low-doc lender within 10 days.
Situation
They bought an investment property with 10% deposit.
Purchase
$1.2M (total portfolio)
Deposit
10% of PP
LVR
90% LVR
Key Benefit
Bought an investment property with 10% deposit and didn't pay LMI
Key Benefit
They released equity from their existing property and didn't use their savings
Make your move toward your first home Laxmi Home Loans
Recognition
Awards & Achievements
Consistently recognised for outstanding service and professional excellence across Australia.
🏆 Customer Service Award — National Top 20 Australia
RateMyAgent
🏆 Outstanding Professional Services — Finalist
Local Business Awards
🏆 Mentor of The Year — Finalist
Better Business Award – NSW/ACT
🏆 Outstanding Professional Services — Finalist
Local Business Awards
🏆 Best Customer Services — Finalist
Better Business Award – NSW/ACT
🏆 Outstanding Professional Services — Finalist
Local Business Awards
About Us
We Understand Your Journey
As migrants ourselves, we understand the unique challenges of buying property in Australia. From visa requirements to building credit history, we've helped hundreds of families just like yours.
Led by Kishor Acharya, Principal Mortgage Broker, Laxmi Home Loans provides personalised, award-winning service across all of Australia — in the language you're most comfortable with.
National Top 20
Customer Service 2025/26 RMA
Multiple Finalist
Industry Awards
MFAA Member
Accredited Broker
Hundreds Served
Families Helped
Customer Service 25/26
RateMy Agent
Our Story
Success Stories
Real outcomes. Every situation is different — here's how we've helped people just like you.
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FAQ's
Frequently asked questions
Frequently asked questions related to loans and service process
Who are Laxmi Home Loans and why should you use them?
What government support is available for first home buyers in Australia?
What is the difference between a fixed and variable home loan?
What is my borrowing capacity and how do I find out?
Should I find a property first or get pre-approval first?
What is the biggest mistake first home buyers make?
Settlement Stories
Client Reviews
Insights
Professional Mortgage Guidance
Stay informed with the latest home loan tips, market updates, and guides — in English, Nepali & Hindi.
How Banks Calculate Your Borrowing Power
Social Media
Connect With Us on Social Media
Stay up to date with the latest tips, market updates, and success stories.