Nepali Home Loan in Sydney

Q: I just received PR — can I get a home loan straight away?

Yes. Most lenders accept newly-granted PR holders. Australian work history (PAYG payslips, tax returns) from your student or 482/485 visa years counts toward serviceability. Some lenders even consider strong applicants pre-PR if their visa has 12+ months remaining.

Q: Can I use savings from Nepal as my deposit?

Yes — with source documentation. Show the savings in a Nepali account, transfer to an Australian account, and hold there for 3 months before settlement (genuine savings rule). We help structure the paper trail correctly.

Q: I work in aged care or hospitality. Will banks lend to me?

Yes. Aged care, hospitality and casual workers borrow regularly with us — particularly with 6+ months in current role, regular shifts, and stable employer. Specialist lenders accept overtime and shift allowances at 80–100% of value.

By the Mortgagefy Team · Published 29 April 2026 · Last reviewed 29 April 2026

A Sydney mortgage broker for the Nepali community — Rockdale, Hurstville, Glenfield, Liverpool, Parramatta and surrounds. We help PR holders, 482/485 visa workers, aged care & hospitality staff, IT professionals, and family-supported buyers find lenders who say yes.

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Free, no obligation. Conditions apply. Eligibility, lending criteria, fees and charges apply and vary by lender. General information only, not credit advice.

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Lender panel

First Home Guarantee deposit

Broker fees

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First response

Who We Help in the Nepali Community

Mortgagefy helps Nepali families across Sydney navigate Australian lender policies — particularly when income, visa status, or savings sources need careful explanation.

Aged Care & Healthcare Workers

Many Nepali Australians work in aged care, disability support, or nursing. We know which lenders accept casual income, shift allowances, and overtime as fully serviceable.

Hospitality & Retail

Restaurant managers, café owners, retail staff — even those with multiple income streams. Specialist lenders accept what major banks decline.

IT Professionals & Contractors

Many Nepali professionals in IT contracting roles — daily-rate income up to $1,500/day. Lender selection critical for treating contract income at full value.

First Home Buyers

First Home Guarantee with 5% deposit (no LMI). Stamp duty exemption up to $800K. We check eligibility and structure the strongest application.

PR & Visa Holders

Newly-granted PR? We work with lenders who count your prior 482/485 visa earnings. Some lenders even consider strong 482/485 visa applicants pre-PR.

Family Joint Buyers

Buying with parents, siblings, or extended family — common in Nepali households. Joint applications and guarantor structures handled with care.

Sydney Suburbs Popular with Nepali Buyers

Where the community is concentrated — and what to consider when buying there.

Rockdale (2216)

Largest concentration of Nepali residents in Sydney. Median unit ~$650K, houses ~$1.4M. Excellent rail to CBD, Nepali grocers and restaurants on Princes Highway.

Hurstville (2220)

Strong multicultural hub with Nepali businesses growing. Median unit ~$700K. T-Hurstville rail line, well-served by schools and shopping centres.

Glenfield (2167)

Affordable family suburb in South-West Sydney. Median house ~$880K. Direct rail to Liverpool and Parramatta. Growing Nepali presence with new estates.

Liverpool (2170)

Major South-West employment hub with multicultural community. Median house ~$920K. Western Sydney Aerotropolis connectivity boosting long-term values.

Parramatta (2150)

Sydney's second CBD. Strong job market for IT and healthcare. Median unit ~$680K, houses ~$1.5M. Excellent schools and Westmead Hospital nearby.

Blacktown (2148)

Affordable family entry. Median house ~$880K. Strong growth corridor with infrastructure investment. Multicultural community with growing Nepali presence.

Why Nepali Buyers Choose Mortgagefy

Cultural Understanding

We understand multi-source income, joint family structures, and remittance patterns common in Nepali households — and how to present these to lenders.

Wide Lender Panel Panel

Major banks, second-tier banks, credit unions, and non-conforming specialists. We find the lender most likely to approve your specific situation.

No Broker Fees

Free for you — lenders pay our commission upon settlement. Independent advice across the entire panel, no obligation, no pressure.

How It Works — 4 Simple Steps

Free Consultation

20-minute call discussing your visa, employment, savings, and target suburbs.

Compare Lenders

We compare a wide lender panel to find the right fit for your income type and visa status.

Application Support

We compile documents, complete the application, and liaise with the lender on your behalf.

Settle Your Home

We coordinate with conveyancer and lender for smooth settlement — typically 4–6 weeks.

What Our Nepali Clients Say

"We came to Mortgagefy after our PR was granted. Our previous bank wasn't recognising my husband's contracting income. Mortgagefy found a lender who took it at full value — we settled our Glenfield home in 5 weeks."

Sushma & Anish T.

Glenfield, First Home Buyers

"I work agency aged-care shifts — major bank declined twice citing 'irregular income'. Mortgagefy explained which lenders accept casual healthcare income at 100% and got us approved on the third try at a good rate."

Pratima G.

Rockdale, Aged Care Worker

"Used Mortgagefy for our investment property in Hurstville. They structured a joint application with my brother that wouldn't have worked at most banks. Professional, patient, and the Nepali interpreter helped my parents understand the guarantor contract."

Bibek M.

Hurstville, Investor

Frequently Asked Questions

I just received PR — can I get a home loan straight away?

Yes. Most lenders accept newly-granted PR holders, and your Australian work history (PAYG payslips, tax returns) from your student or 482/485 visa years counts toward serviceability. Some lenders even consider strong applicants pre-PR if their current visa has 12+ months remaining.

Can I use savings from Nepal as my deposit?

Yes — with proper source documentation. Show the savings in a Nepali bank account, transfer to an Australian account, and hold for 3 months before settlement (genuine savings rule). We help structure the paper trail correctly.

I work in aged care or hospitality — will banks lend to me?

Yes. Aged care, hospitality, and casual workers borrow regularly with us — particularly with 6+ months in current role, regular shifts, and stable employer. Specialist lenders accept overtime and shift allowances at 80–100% of value, where major banks may discount these.

My spouse and I both work — can we apply jointly?

Yes — joint applications are standard and significantly improve serviceability. Both incomes are fully assessed. We can also include parental gift or guarantor support to reduce LMI or boost borrowing capacity.

Do you offer interpretation for older family members?

Yes. Nepali interpreter support is available for parents and elder family members participating in the loan, particularly relevant for guarantor arrangements. We ensure all parties fully understand the financial commitment.

Which Sydney suburbs are most popular with the Nepali community?

Rockdale, Hurstville, Glenfield, Liverpool, Parramatta, and Blacktown all have growing Nepali populations with cultural amenities, Nepali grocery stores, places of worship, and family-friendly housing across diverse price points.