FBAA member
Finance Brokers Association of Australasia
Member M-357648A connection to Bharat. Finance built for Australia.
Home loans for where you are - and what comes next.
We believe in what you’re building. We bring the knowledge and clarity to help you understand the path forward.
Bharat Finance helps clients across Australia navigate home loans, refinancing, property investment, commercial and SMSF lending. Start with a clear conversation about your goals.
Based in Sydney · Australia-wide coverage
Our lender panel
More possibilities to consider.
Some of the lenders we are accredited with. Options depend on your circumstances, lender criteria and the lending area.
View our accredited lenders and products
- AMP Bank
- ANZ
- ASCF; ASCF Commercial
- Bank of China
- Bank of Melbourne
- Bank of Sydney
- BankSA
- Bankwest
- Bendigo Bank
- Better Choice Home Loans; Better Choice Home Loans Commercial
- Bluestone; Bluestone Commercial
- CBA
- Deposit Power
- Finsure Loans BRIDGE
- FINSURE Loans PLUS; FINSURE Loans PLUS Commercial
- Finsure Loans THRIVE
- Firstmac
- Granite Home Loans
- Great Southern Bank
- Hejaz Islamic Credit Solutions
- ING
- Judo Bank
- La Trobe
- Liberty FS
- MA Money
- ME Bank
- Myloan Elect
- MyState
- NAB
- NWC Finance Commercial
- ORDE Financial
- OwnHome
- Paramount
- Pepper Money
- Prospa Commercial
- Qudos Bank
- Resimac
- St George
- Suncorp
- Ubank
- Uptain
- Westpac
- WISR
01 / Find your starting point
What are you trying to work out?
You do not need to know which product or lender you need. Choose the situation closest to yours and begin with the questions that matter.
Buying my first home
Work out a comfortable range before looking at properties.
Your deposit, upfront costs and a repayment you can comfortably manage all matter. Start with a plan before making an offer.
Explore first-home options
Buying another property
See how the next purchase affects your existing position.
Map your current loans, cash flow and commitments. Consider security structure and future borrowing capacity alongside the next purchase.
Explore investor finance
Refinancing
Check the whole loan, including the switching costs.
Compare your current loan with the replacement using the same remaining term. Review fees, flexibility and how long it may take to recover switching costs.
Review refinancing
Using equity
Equity is a starting point, not an approval.
Property value, lender policy, the purpose of the funds and your ability to repay all affect what may be available. Accessing equity means taking on more debt.
Understand equity
Commercial property
Start with the property and the business position.
Property use, lease terms, security, business cash flow and lender policy can influence the available structures.
Explore commercial finance
SMSF property
Check the current rules before committing.
Your proposed property and transaction require careful lending, legal, financial and tax consideration. Start with specialist advice about the structure and documents.
Understand SMSF pathwaysMemberships and consumer protections
Professional connections, clearly stated.
Our service operates within an established professional, credit and external dispute resolution framework.
Finsure credit network
Credit representative under Finsure Finance & Insurance Pty Ltd
Australian Credit Licence 384704
External dispute resolution
AFCA member 113210. If we cannot resolve a complaint to your satisfaction, AFCA offers consumers an independent and free complaint resolution service.
afca.org.au · 1800 931 67802 / The bigger picture
A loan can work today and still make the next move harder.
Rate matters. So do repayments, fees, lender policy, debt purpose, security structure, cash buffers and future borrowing capacity. Bharat Finance brings those pieces into the same conversation before an application begins.
Talk through your position- 01
Understand
Begin with your goal, financial position, constraints and timing.
- 02
Compare
Narrow suitable options using policy fit, cost, features and relevant trade-offs.
- 03
Structure
Organise the lending around today’s purpose and the plans that may follow.
- 04
Move
Proceed with clear steps from preparation through application and settlement.
03 / Finance with understanding
A clear conversation before a lending decision.
We take time to understand what you are trying to achieve, explain suitable options and trade-offs in plain language, and help organise the lending process around your wider plans.
Support that starts with your situation and keeps you informed at each step.
04 / Why the name Bharat
BhaLight and knowledgerataDevoted
A connection to India · A commitment to clarity
The heritage is personal. The service is for people across Australia.
Bharat is an enduring name for India and a meaningful part of Piyush’s identity. The name also carries a symbolic interpretation: “Bha” evokes light and knowledge, while “rata” speaks to devotion.
Together, that idea—devotion to knowledge—reflects how Bharat Finance approaches lending: ask better questions, explain the important details and help people make informed decisions.
05 / Useful guidance
Understand the questions before comparing the loans.
Practical guides help clients understand the important questions, prepare for a useful conversation and compare lending choices with greater clarity.
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Mortgage and property finance insights
Read the existing Bharat Finance article archive with its original publication history preserved.
Mortgage and stamp duty calculators
Estimate principal-and-interest repayments and access current state and territory duty tools.
Frequently asked questions
Get straightforward answers about brokers, deposits, applications, loan features and privacy.
Equity and borrowing capacity are not the same
Understand why owning equity does not automatically mean a lender will approve more borrowing.
When does refinancing actually make sense?
Look beyond the advertised rate to switching costs, structure, features and the break-even point.
What shapes your borrowing capacity?
See how income, living expenses, existing debts and lender policy interact.
SMSF property lending after 10 August 2026
Understand the residential restrictions, commercial pathways and need for specialist advice.
Client experiences
In our clients’ words.
Individual experiences shared with permission. Your circumstances and lending outcome may differ.
I had an excellent experience working with Piyush. He took the time to understand my investment goals and long-term objectives and helped me identify the right property and finance strategy for my needs.
What sets Piyush apart is that he goes beyond simply arranging a loan. He provides genuine, personalised advice based on your goals and always looks at the bigger picture.Professional, knowledgeable, and genuinely client-focused, Piyush is someone I would highly recommend to anyone looking for a mortgage broker who truly adds value. I would confidently recommend him to my family and friends.
I had a wonderful experience with Bharat finance company and especially with Piyush.
Piyush and the team was professional, knowledgeable, supportive, and genuinely committed to helping me throughout the loan process.What impressed me most was their patience, transparency, and willingness to go the extra mile to understand my circumstances and find the best possible solution. They made the entire process smooth and stress-free, keeping me informed every step of the way.
I truly appreciate their dedication, excellent customer service, and personal attention. I would highly recommend their services to anyone looking for reliable, trustworthy, and professional financial assistance.
Thank you once again for your outstanding support!
I have worked with many consultants over the last few years, but Piyush from Bharat finance is different, he is always in your corner and his foresight and suggestions have saved me thousands of dollars and beyond loans he has helped with investments. Bharat finance is an one-stop shop for all your investing needs. With interest rates at 6.25-6.5 % his foresight has had me fixed at 4.8 when everyone was going variable he convinced me for fixed and its saving me thousands of dollars over the last year alone. Highly recommend.
From the journal
Ideas for your next move.
Explore the Bharat Finance article archive, from home loan choices to the bigger property picture.
06 / Before we talk
Questions worth asking early.
Clear first answers can help you decide what deserves a closer look.
Can we talk before I am ready to apply?
Yes. An initial conversation can focus on your position, timing and next steps without rushing into an application.
How does a mortgage broker get paid?
Mortgage brokers are commonly paid commission by a lender when a loan settles. If any fee applies to your situation, it should be disclosed before you proceed.
Does the lowest rate always mean the best fit?
Not necessarily. Rate should be considered alongside fees, features, policy fit, structure and your likely future needs.
Why can borrowing capacity differ between lenders?
Lenders can treat income, expenses, existing debts and risk differently. The details of your position influence which policies are relevant.
Do you help clients outside Sydney?
Yes. Bharat Finance assists clients across Australia by phone and online.
Stay informed
A little clarity in your inbox.
Occasional mortgage and property finance updates from Bharat Finance. Choose to hear from us when it suits you.
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Book a conversation07 / Your next step
Let’s work out what makes sense.
Start with your position, timing and questions. There is no need to arrive knowing which loan you need, and please do not send identity documents or sensitive account information through the enquiry form.