Home Loan Experts is a Sydney-based brokerage in Rhodes, founded by Otto Dargan in 2006 (originally as Dargan Financial). They've settled more than $7 billion in home loans and currently sit at 4.9 stars across 1,388 Google reviews — making them one of Australia's most-reviewed brokerages and a multi-award winner at the Better Business Awards and Australian Mortgage Awards.
The lender panel is 50+ strong, including the four majors plus non-bank specialists for non-standard situations. Trading hours are weekday 8 AM to 6 PM. Service costs nothing directly to most borrowers — brokers are paid by the lender on settlement, with occasional fees disclosed up front for very complex files. They take clients across Australia and from overseas, with a back-office processing team operating from Nepal that supports brokers on documentation.
Otto Dargan founded the firm in 2006 and returned to the CEO role in March 2025. The named broker team is large — around 25 brokers — including Robert Mo, Vivienne Than, Mohit Lal Pradhan, Romy Dhungana, Prakash Rai, Aseem Sangachhe, Rojina Shivabhakti, Kritesh Neupane, Jenish Manandhar, Samir Maharjan, Prabesh Thapa, Nirayu Shakya and Preeti Kowshik. Most files run as broker-plus-coordinator pairings — Robert with Shreeya or Rabin, Mohit with Sandy, Prabesh with Aakriti, Romy with Urusha — so clients typically see two named people on their thread.
What clients say: clear communication on complex files, proactive rate reviews after settlement, and successful approvals where other brokers couldn't get there. Reviews repeatedly describe second, third or longer engagements with the same broker. Strong fit for self-employed and complex-credit borrowers, temporary residents and non-residents on visas, construction-loan and progress-payment files, and bad-credit applicants who've been declined elsewhere. Less of a fit for clients who want a single solo principal, or weekend office hours.
Recent verbatim reviews. See the firm's Google profile for the full set.
I've worked with Nirayu and his team on several loans now and every single time they have delivered an outstanding, professional and expert service. I would not hesitate to use Home Loan Experts, and especially this team, for every future finance requirement.
We came across Home Loan Experts through a Google search and decided to give it a try. From the very first interaction, the difference was clear… A huge thank you to Kritesh Neupane, Jenish Manandhar, and Ambika Karki. You guys are the real experts!
I can strongly recommend Home Loan Experts support for home loans if you are in a temporary visa and still willing to pursue with purchasing properties with a mortgage loan… HLEs was able to provide with few options even though there were no loan options considering our visa type.
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