Who Are We?

Who are we?

Home Sweet Loans has been in operation since 2000 and holds an Australian Credit Licence (No: 381107). Linked to Australia’s largest mortgage broking aggregator Australian Finance Group, Home Sweet Loans has successfully expanded through the provision of quality personalised and ethical customer service.  Our business is 100% referral based.  HSL also provides Home Loan services to several Stockland, Lend Lease & other smaller Land Communities. We also assist numerous Builders Clients finance their homes.

Managing Director Tarek Baytieh has over 25 years of extensive experience in finance and customer service, in both the private and public sectors. Tarek also holds a Diploma of Finance & Mortgage Broking Management, Certificate IV in Financial Services (Finance/Mortgage Broking), and is a Member of MFAA.  Tarek possesses a wealth of knowledge in the home loan and investment property markets, has undertaken several property development projects, and owned several investment properties.

Contact Tarek direct: tarek@homesweetloans.com.au

We help find you the right home loan

The best ‘deal’ is not the cheapest rate.  We examine your specific needs and future plans to recommend a loan that is right for you & your situation.  Having an appropriate home loan which works for you can also help you build wealth.  We are also experts in structuring home loans to ensure that it meets your full requirements for the foreseeable future, particularly when investing.  Sometimes we can obtain a better rate than you can as we know the discount structures and which lenders are seeking business.

We offer convenience & choice

We can meet with you at a time that is convenient for you.  We have a wide range of Lenders from which to access a suitable product/structure for you.  We can also assist in the purchase process by providing you with specific property reports from RP Data.  We can also liaise with your Solicitor/Real Estate Agent/Accountant if & when required to ensure a smooth and timely settlement.

Why us over a bank

We are experts in home loans.  If your loan does not settle, we do not get paid.  Bank staff are paid whether you obtain a home loan or not, so they are not as likely to work hard to ensure the best possible outcome for you.  Your interest rate will be just the same as if you were dealing directly with a Bank or Lender yourself, sometimes even cheaper. Our business is built on referrals – hence, it is in our best interests to ensure that you obtain a home loan from a Lender that you are satisfied with.  We also keep our Clients well informed beyond Settlement.  Our valuable information alert service provides you with relevant information on the home loan/property markets, updates on Lenders/products, and special offers that may be of interest to you.  We also keep it entertaining with several competitions/giveaways throughout the year.

Construction Experts

HSL is widely recognised & acknowledged as experts in the Construction Finance process – the most challenging type of Finance in residential lending. HSL will manage the process from the initial pre-approval all the way to when the keys to your new home land in your hands. We also have the knowledge and ‘know how’ to manage Valuations and any issues that may arise. We will communicate directly with your Land Sales professional, Conveyancer & Builder to ensure the process is as smooth as possible for you.

Experience matters

Home Loan ‘Brokers’ are now governed by strict legislation and must be appropriately licenced, accredited and educated within the finance industry.  Often you will find that we have a higher standard of education and knowledge than your local bank home loan Consultants.  This is particularly important when seeking to invest and build a property portfolio.  Over 15 years as a Personal Home Loan Adviser and an Investment Property Specialist, Tarek has far more experience than many bank officers exposed to one single Lender and who often have no experience with any other Lenders products.  In many instances, we are also able to find a suitable Lender should your Bank decline your loan application.

Free Service

Best of all, our service is completely free if you are securing residential property! As lenders pay our commission, there is no cost to you for our home loan application service.

Internal/External Dispute Resolution

We at Home Sweet Loans believe that it is essential for our customers to be able to identify and deal with a broker who has the ability, authority and proper training to hear and respond appropriately to any complaints or disputes.

We are a Licensed Mortgage Broker and as such we are also subject to the requirement to have in place an Internal & External Dispute Resolution procedure.

For information on the full process, please click here.