DARWIN, PALMERSTON, ALICE SPRINGS AND THE NORTHERN TERRITORY
Nepali mortgage broker in Darwin and the Northern Territory
Home loans for first home buyers, refinancers and families building a new home in Darwin, Palmerston, Alice Springs and across the Territory.
नेपाली · हिंदी · English
Or call Rajesh on 0431 790 889
MFAA member · AFCA member · Platinum broker with Commonwealth Bank, Westpac and NAB
★★★★★ 5.0 rating
450+ five-star Google reviews · Rajesh Kandel, Senior Mortgage Broker
Recognised. Trusted. Recommended.
Our commitment to excellence has been recognised by industry experts and, more importantly, by our clients.
WHY TALK TO RAJESH
Your Nepali mortgage broker for Darwin and the NT
फोन गरौ, कुरा गरौ, घर किन्ने सपना पुरा गरौ।
Buying a home in a new country is a big step. The rules, the paperwork and the bank language can feel hard. You should be able to ask every question in the language you think in.
I am Rajesh Kandel, Senior Mortgage Broker at Everest Home Loans. Since 2015 I have helped families buy, build and refinance across Australia, including Darwin, Palmerston and Alice Springs.
Before broking I worked as a nurse in aged care and hospitals. I understand shift work, penalty rates and overtime, and how lenders treat that income.
We talk in Nepali, Hindi or English, by phone or video call. You get the same broker from your first question to settlement day and after.
Right advice
We compare 40+ banks and lenders to find the right loan for you, not just one bank's options.
Lifetime support
The same broker from your first question to settlement day, then yearly loan reviews.
Multilingual team
Full service in English, Nepali and Hindi, from a broker who shares your background.
Company Introduction
Everest Home Loans is a trusted mortgage brokerage company, led by Senior Mortgage Broker Rajesh Kandel, dedicated to connecting clients with suitable home loan solutions from 40+ leading Australian banks/lenders. Since 2015, we've assisted more than 1,500 clients across Australia, providing personalised service in multiple languages, including English, Nepali, Hindi, and Punjabi. Our commitment to excellence is reflected in over 453 five-star Google reviews, and our recognition as a platinum mortgage broker by Commonwealth Bank, Westpac, and National Australia Bank. Based in Melbourne and servicing clients nationwide, we help Australian home buyers navigate the property market with the same expertise we bring to every client across Australia.
Personalised service in English, Nepali, and Hindi
Platinum broker recognition by Commonwealth Bank, Westpac Bank, and National Australia Bank
Book Consultation
Who I help in Darwin and the NT
First home buyers
The NT pays a $50,000 grant on new homes, with no price cap. I check every grant and scheme you qualify for.
Buying or upgrading
Already own a home? The $30,000 FreshStart grant can help you buy or build a new one. I work out your borrowing power across lenders.
House and land, new builds
Popular in Zuccoli, Muirhead, Johnston and Durack. I set up the land and construction loans so your deposit, grant and progress payments line up.
Refinancing
Paying more than new customers or coming off a fixed rate? I compare your loan across 40+ lenders and handle the switch.
GRANTS AND SCHEMES
First home buyer help in the Northern Territory
The NT offers some of the biggest new home grants in Australia. These are the main options as of October 2026.
NT GRANT
$50,000
HomeGrown Territory Grant
For first home buyers building or buying a new home. No price cap. Contracts from 1 October 2024 to 30 September 2027. Live in the home for at least 12 months.
NT STAMP DUTY
$0
On house and land packages
No duty on a new house and land package bought from a builder in one contract, with no value cap. Any buyer can qualify. Contracts by 30 June 2027.
FEDERAL SCHEME
5% deposit
5% Deposit Scheme
No lenders mortgage insurance (LMI). Price cap $750,000 in Darwin and $600,000 elsewhere in the NT. No income cap.
ALSO WORTH CHECKING
FreshStart New Home Grant
$30,000 for existing home owners buying or building a new home. Cannot be combined with HomeGrown.
Help to Buy and FHSS
Federal shared equity, and saving your deposit through super.
Established homes pay standard stamp duty in the NT, and the $10,000 established home grant closed on 30 September 2025. Grants need at least one buyer to be an Australian citizen or permanent resident.
House and land and construction loans in the NT
Building new is popular in Zuccoli, Muirhead, Johnston, Durack and Larapinta. One-contract house and land packages are stamp duty free. It needs a different loan setup from buying an established home.
Step 1
Land loan
You buy a house and land package in one contract, or buy a block and sign a separate building contract.
Step 2
Construction loan
The lender pays your builder in stages: slab, frame, lock-up, fixing and completion. You usually pay interest only on what is drawn.
Step 3
Grant
If you are eligible, the $50,000 HomeGrown Territory Grant can go towards your build.
Step 4
Keys in hand
The loan moves to normal repayments once your home is finished.
I help you check the builder contract, the bank valuation and any cost gaps before you commit. Planning for variations and site costs early avoids stress at slab or lock-up.
Refinancing your home loan in Darwin
A refinance review takes about 20 minutes. I look at:
✓ Your rate against what other lenders offer you today
✓ Whether a fixed rate is ending soon
✓ Combining car loans or cards into one repayment, where it makes sense
✓ Using equity to buy land, build or buy an investment property
If staying with your current lender is better, I tell you that too.
Home loans for migrants and visa holders
Lenders treat income and visa types differently. I work with lenders who understand:
✓ New permanent residents and citizens with a short Australian work history
✓ Nurses, aged care, disability support and healthcare shift income
✓ Uber, delivery and self-employed ABN income
✓ Partner and skilled visa holders
✓ Overseas income and gifted deposits from family
On a temporary visa? You may need approval from the Foreign Investment Review Board (FIRB). The NT does not charge a foreign buyer stamp duty surcharge, but grants and the 5% Deposit Scheme are not available.
How it works
1
Free consultation
Tell me your goal in Nepali, Hindi or English, by phone or video.
2
Borrowing power and schemes
I work out what you can borrow and which grants apply.
3
Pre-approval
I compare lenders and prepare your application.
4
Find your home or block
You shop with a clear budget.
5
Approval and settlement day
I work with your conveyancer, builder and lender.
6
Lifetime support
Yearly loan reviews and help with your next move.
Our service is usually free to you. Lenders pay the broker a commission, and I tell you the amount before you proceed.
Areas we serve across the Northern Territory
Darwin and Palmerston
Zuccoli, Johnston, Durack, Bellamack, Rosebery, Gunn, Muirhead, Lyons, Casuarina, Nightcliff, Parap, Leanyer, Karama, Malak and all Darwin suburbs.
Litchfield and rural area
Howard Springs, Coolalinga, Humpty Doo and Berry Springs.
Alice Springs and regional NT
Larapinta, Gillen, Braitling, Araluen, Desert Springs, Katherine, Tennant Creek and Nhulunbuy.
We work with Territory clients by phone and video, so distance is not a barrier.
Frequently asked questions
Do you offer mortgage broking in Nepali and Hindi in Darwin?
Yes. I provide full mortgage broking in Nepali, Hindi and English for clients in Darwin, Palmerston and across the Northern Territory. We meet by phone, WhatsApp or video call.
Do you help clients in Alice Springs and regional NT?
Yes. I work with clients in Alice Springs, Katherine, Tennant Creek and other regional towns. The process is the same, and documents are signed online.
How much is the HomeGrown Territory Grant?
$50,000 for first home buyers who build or buy a new home in the NT. There is no price cap. Contracts must be signed between 1 October 2024 and 30 September 2027, and you must live in the home for at least 12 months.
Do I pay stamp duty on a house and land package in the NT?
Not if you buy a new house and land package from a builder in one contract and live in it. There is no value cap, and contracts must be signed by 30 June 2027. Established homes pay standard stamp duty.
How much deposit do I need to buy my first home in Darwin?
Eligible first home buyers can buy with a 5% deposit and no LMI under the 5% Deposit Scheme. The price cap is $750,000 in Darwin and $600,000 elsewhere in the NT.
I already own a home. Is there a grant for buying a new one?
Yes. The $30,000 FreshStart New Home Grant helps existing home owners buy or build a new home in the NT. It has the same contract dates as HomeGrown and cannot be combined with it.
Can nurses and aged care workers use overtime and penalty rates to borrow?
Often yes. Many lenders count regular overtime, shift allowances and penalty rates if you can show a steady history. I match you with lenders that treat this income well.
Does it cost anything to use your service?
In most cases, no. The lender pays the broker a commission. I tell you the amount before you proceed.
Talk to a Nepali mortgage broker in Darwin today
First home, new build or refinance, start with one free consultation.
This page is general information only and does not consider your objectives, financial situation or needs. Northern Territory scheme figures are current as of October 2026 and can change. Eligibility and lending criteria, fees and charges apply.
Approval Rate
Over 98%*
Expertise/Experience
11 Years
Loan Approved
400+ Millions
Home Settled
1500+
Book an appointment with our Mortgage and Finance Broker for expert guidance on home loans, refinancing, investment properties, and more.
We Speak · English · Nepali · Hindi
Kandel & Co Pty Ltd t/a Everest Home Loans is an Authorised Credit Representative – 506833, and Rajesh Kandel is an Authorised Credit Representative number – 476341 of Connective Credit Services Pty Ltd ABN 77 161 731 111 (Australian Credit Licence No.389328).
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