Welcome To Kandid Loans


A Right home-Loan Product with a lower rate and minimal fees can shave years off your loan and help YOU Pay off you debt sooner.

Fast Approvals

No Prepayment Fees

Flexible Payments

home loan

Investment loan

refinance home

Our Partners

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About Kandid

Who are we?

kandid is a premium mortgage broking service designed to help Australians find suitable home loans for their scenario. Find Out More here. Contact your local Mortgage Broker in Baulkham Hills (Hills district). Our mobile Home Loan Specialists service Kellyville, Bella Vista, Castle Hill, and the rest of the Hills District Sydney.

kandid's Specialized Process
Refinance your home in 3 easy steps

Fastest Home Loan approvals and best Mortgage Brokers in Baulkham Hills, Castle hill, Bella Vista, Kellyville, North Rocks, Winston Hills, Northmead, Carlingford, Glenwood, Stanhope, Parklea and the north western region of Sydney.


Home Loan Sense Check​

We provide a personalised and obligation free assessment of your home loan situation. Best Mortgage broker Service in Baulkham Hills.


Choose the best lender for you!​

Provide you with options of lenders and loan products suited to your individual needs. We come to you for your mortgage broking in Sydney.


Package your loan for fast approval​

We ensure that everything is finalised to put you in the best position for a quick approval with the lender. Fastest Home loans applications process in Sydney region.

Blog & Latest News

How to Pay Off Your Home Loan Faster

Paying off a home loan faster is a goal many homeowners share, especially in busy…

5 Top Tips for First-Time Property Investors in Sydney

Property investment can be a lucrative venture, especially in a growing market like Sydney. Whether…

Planning to Buy Your First Home Here Tips For First-Home Buyers 2024?

Are you planning to buy your first home? In today’s fast-paced Australian real estate market,…


A Mortgage Broker is an intermediary between the borrower and the lender who uses their knowledge and software to source competitive rates and facilitate a smooth process to settlement. The Mortgage Broker acts in the borrower’s best interests at all times and is their mortgage project manager, handling all the steps in the process and reporting back to the borrower at the various stages.

A Mortgage Broker is an intermediary between the borrower and the lender who uses their knowledge and software to source competitive rates and facilitate a smooth process to settlement. The Mortgage Broker acts in the borrower’s best interests at all times and is their mortgage project manager, handling all the steps in the process and reporting back to the borrower at the various stages.

Using a mortgage broker in Sydney, such as Kandid Loans, offers several advantages over
going directly to a bank. Here are the reasons why you should consider working with a
mortgage broker Sydney for your home loan needs:
1. Expertise and Guidance: As a trusted Sydney mortgage broker, we have in-depth
knowledge of the local market and extensive experience in the mortgage industry. We
stay updated on the latest trends, products, and lending criteria. Our expertise allows us
to provide valuable guidance and recommendations tailored to your specific financial
situation and goals.
2. Access to Multiple Lenders: Unlike banks that offer their own limited range of mortgage
products, a mortgage broker Sydney has access to a wide network of lenders, including
major banks, credit unions, and alternative lenders. This extensive lender panel gives us
the ability to compare various loan options and find the most competitive rates and terms
for you.
3. Time and Effort Savings: Searching for a suitable mortgage on your own can be
time-consuming and overwhelming. As your Sydney mortgage broker, we handle the
legwork for you. We complete the necessary paperwork, communicate with lenders, and
streamline the application process. This saves you time and effort, allowing you to focus
on other aspects of your life.
4. Ongoing Support: Our services extend beyond the loan application process. We provide
ongoing support throughout the life of your loan. Whether you have questions, need
assistance with refinancing, or want to explore future property investments, we are here
to help. We aim to build long-term relationships with our clients and be your trusted
Sydney mortgage broker..
In summary, choosing a mortgage broker Sydney, such as Kandid Loans, offers you access to
expertise, personalized solutions, a wide range of lenders, and ongoing support. We save you
time, effort, and potentially money by navigating the mortgage market on your behalf. Partnering
with a Sydney mortgage broker gives you peace of mind, knowing that you have a dedicated
professional working in your best interest to secure the most suitable loan options for your
needs. Contact us today to experience the benefits of working with a trusted Sydney mortgage
broker like Kandid Loans.

As an independent mortgage broker Sydney, Kandid Loans understands the importance of
safeguarding your personal and financial information. We prioritize the security and
confidentiality of your data as one of the best mortgage brokers near me. Here’s how we ensure
the safety of your information:
1. Secure Data Handling
2. Strict Privacy Policies
3. Confidentiality Commitment
4. Trusted Network of Lenders
5. Secure Communication Channels
6. Ongoing Risk Assessment
At Kandid Loans, we take the security of your personal and financial information seriously as
your trusted independent mortgage broker. We strive to maintain your trust and confidence by
implementing robust security measures and adhering to strict privacy protocols.

Here is a summary of the different types of mortgage loans offered by Kandid Loans
1. Home Purchase Loans: We assist clients in securing mortgage loans for purchasing
residential properties.
2. Refinance Loans: If you already have a mortgage and want to explore better terms,
lower interest rates, or access equity in your home, we specialize in refinancing options.
3. Investment Loans: For clients interested in purchasing investment properties, we offer
investment loans tailored to meet their unique requirements.
4. Construction Loans: If you are planning to build a new home or undertake a major
renovation project, our construction loan expertise can help you secure the necessary
5. Debt Consolidation Loans: If you have multiple debts and want to simplify your finances,
our debt consolidation loan options can be beneficial.

Absolutely! As a trusted mortgage broker in Sydney, Kandid Loans specializes in assisting
clients with various financial backgrounds, including those with bad credit or a low deposit.
We understand that everyone’s circumstances are unique, and we are dedicated to helping
individuals find suitable loan options. Here’s how we can help if you have bad credit or a low
1. Expertise in Bad Credit Solutions: Our team of experienced Sydney mortgage brokers
has extensive knowledge of lenders who offer loan options specifically designed for
individuals with bad credit. We work with these lenders to explore suitable loan solutions
that align with your financial goals and credit situation.
2. Access to Specialized Lenders: As your mortgage broker Sydney, we have access to a
wide network of lenders, including specialized lenders who are more flexible with their
lending criteria.
3. Tailored Advice and Guidance: We provide personalized advice and guidance
throughout the loan application process. Our Sydney mortgage broker team takes the
time to understand your specific circumstances, including the reasons behind your bad
credit or low deposit, and provides tailored recommendations to improve your chances of
loan approval.
4. Credit Repair Assistance: If you have bad credit, we can offer guidance on improving
your credit profile. Our Sydney mortgage broker team can provide tips on managing your
finances, paying off outstanding debts, and demonstrating responsible financial behavior
to enhance your creditworthiness over time.
5. Low Deposit Loan Options: We have access to lenders who offer loan products
specifically designed for individuals with a low deposit. These loans may allow you to
borrow a higher percentage of the property’s value, reducing the upfront deposit
requirement and making homeownership more accessible.
6. Negotiation on Your Behalf: As your dedicated Sydney mortgage broker, we negotiate
with lenders on your behalf. We highlight your strengths as a borrower beyond just your
credit score, emphasizing your ability to repay the loan and showcasing any positive
financial factors. This can improve your chances of loan approval despite your bad credit
or low deposit.
At Kandid Loans, we believe that everyone deserves a chance at homeownership, regardless of
their credit history or deposit size. Our goal as your mortgage broker Sydney is to find viable
loan options that suit your individual circumstances. Contact us today to discuss your situation
and let us help you navigate the lending landscape to secure a mortgage that meets your

As an independent mortgage broker Sydney, Kandid Loans is committed to providing
transparent and customer-centric services as one of the best mortgage brokers near me. Here’s
what you need to know about our fees:
1. No Upfront Fees: When you choose Kandid Loans as your mortgage broker Sydney, we
do not charge any upfront fees for our services. We understand that searching for the
best mortgage broker near me can be overwhelming, and we aim to make the process
as affordable as possible.
2. Commission-Based Model: As an independent mortgage broker, we earn a commission
from the lender when your mortgage is successfully settled. This means that our
services are typically provided at no direct cost to you as the borrower. The commission
we receive is a standard industry practice and does not result in additional charges for
3. Competitive Rates and Terms: Our priority is to find you the best mortgage solution that
suits your needs and financial goals. With our extensive network of lenders, including
major banks, credit unions, and specialized lenders, we have access to a wide range of
mortgage options, ensuring competitive rates and terms.
4. Clarity and Transparency: At Kandid Loans, we believe in maintaining transparency
throughout the mortgage process. We will clearly explain any potential fees or charges
associated with the specific loan you choose. This includes details about interest rates,
loan origination fees, and any other costs that may be applicable. We ensure that you
have a comprehensive understanding of the financial implications before finalizing your
5. Value for Service: While our services are commission-based, we prioritize providing
exceptional value as one of the best mortgage brokers near me. We take the time to
understand your unique needs, provide expert advice, and guide you through the entire
mortgage journey. Our goal is to ensure you make informed decisions and secure a
mortgage that aligns with your financial goals.
By choosing Kandid Loans as your independent mortgage broker, you gain access to
personalized assistance, extensive mortgage options, and expert guidance without any upfront
fees. Contact us today to discuss your mortgage needs and experience the benefits of working
with the best mortgage broker near me.

Customers Reviews on GMB

Customers love on Google ⭐⭐⭐⭐⭐

Based on 24 reviews
Ayeisha Singh
Our experience with Kandid was excellent service, very knowledgeable proprietor who delivered in a short time and was through throughout the process. Highly recommended thanks guys!
Pankaj Saini
Narender and his team were fantastic to deal with and walked me and my wife through the whole process of refinancing. The whole process was very smooth, with no dramas and that is all thanks to the team’s diligent work before applying. We did get a good rate and honestly were surprised how easy and straightforward they made it for us. These guys are in a different league compared to our previous mortgage brokers. I knew I was dealing with someone very experienced from day one, their knowledge was second to none, attention to detail was on point and we are so happy with everything they had done for us. Thank you, guys, it’s been a great experience and I highly recommend Kandid loans as a mortgage broker.
renu kang
I have an excellent experience with Narender from Kandid financial services, he has made whole process smooth which could have been stressful . His responsiveness , knowledge and experience kept me stress free during this time . I received best service from him , Thank you Narender . I am looking forward for my investment loan with them
antidote.mani mani
Highly Recommended. Excellent communication throughout the process.
One of the best in the market. Someone who just wants YOU to benefit. Based on my personal experience recently while I was looking to buy our first property, I got in touch with Narender. He spent his valuable time to ensure I understand how I can profit in today’s market. His valuable advice has made me understand what I need and finally I got what I wanted. A google review is the least I could do for him. I strongly recommend him.
Sunita chhabra
Working with Narinder for our loan was a breeze! He is very knowledgeable, easily accessible and willing to go above and beyond. In addition to his professionalism, he is also an incredibly kind and fun person to work with. Can not recommend him highly enough!
Shilpa Dhar
Absolutely amazed by the prompt service provided by the Team Kandid. Knowledgeable and on time advise helped us secure our dream project.Well done guys keep up the good work!!!
ron Sharma
Very helpful and determined, did not let me stress one bit and took it upon himself to get the job done. Also very easy to contact and speak to
Bikramjeet Attly
Very happy dealing with the Kandid team, always helpful and thinking your benefit first and not trying to somehow sell some loan product. We have dealt twice with them and always got quality and quick response with extensive guidance and value in the loan deals. Happily recommend them !
Sumit Adlakha
Narender has been fantastic to deal with, he is highly professional, extremely knowledgeable and he ensured we understood the process and we were comfortable with every steps of the process.He kept us updated throughout the process and found us absolute best deal available on the market at that time. He made the whole experience very easy. Thank you so much Narender! I will highly recommend him to our family and friends. All the best mate:) cheers Sumit