You Search For Your Home, We’ll Handle Your Loan
Your Trusted Mortgage Brokers in Queensland
I'm refinancing a loan
I'm purchasing a property
I'm first time home buyer
Making Your Home Loan Journey Simple and Stress-Free
At Horizon Home Loans & Finance, our team has supported countless people across Queensland in reaching their homeownership and financial goals. We believe the lending process should feel clear, calm, and well-guided, and that’s exactly the experience we aim to deliver.
Whether you’re buying your first home, upgrading, renovating, or exploring investment opportunities, we’re here to help you navigate every step with confidence. Our clients value our personal approach, our transparency, and the way we take the pressure off their shoulders.
Although we’re based in Kearneys Spring, we proudly work with clients throughout Queensland and beyond. Our experience also extends to commercial lending, including finance for business purchases, commercial properties, and equipment. No matter how simple or complex your situation may be, you’ll have a supportive and knowledgeable team dedicated to achieving the best possible outcome for you.
Over 15+ Years of Experience Delivering Mortgage Solutions
Yashodha Khadka Pandey, CPA, Mortgage Broker
At Horizon Home Loans & Finance, you are never just another application in a system you are a valued client with real goals, real challenges, and real dreams. I am Yashodha Khadka Pandey, CPA, Director and Mortgage Broker, and I bring more than 15 years of professional finance experience, together with specialised qualifications including a Diploma of Finance & Mortgage Broking Management. This means you benefit not only from strong technical knowledge but also from a personalised service approach built on care, transparency, and genuine support.
I understand that buying a home, refinancing, or investing can feel confusing and at times overwhelming. My role is to take the pressure off you. I take the time to get to know your circumstances, listen to your goals, and walk you through every step of the lending process in straightforward, easy to understand language. No jargon, no pressure just clear guidance and tailored solutions that fit where you are now and where you want to be in the future.
From helping first-home buyers get started, to supporting families upgrading their homes, to guiding experienced investors as they grow their portfolios, I am committed to making lending feel simple, achievable, and empowering. You will always know exactly what is happening, why it’s happening, and what your best options are, so you can make confident decisions with complete peace of mind.
Based in Kearneys Spring, I proudly assist clients across Toowoomba, Queensland, and interstate, offering friendly and reliable service wherever you are on your home ownership journey. With Horizon Home Loans & Finance, you have more than a broker you have a dedicated partner focused on helping you secure the right loan and build a brighter financial future.
Services
Your Dedicated Team for All Your Mortgage Needs
Home Loans
Flexible home financing solutions to help you purchase your dream property with competitive rates.
Home Loan Refinancing
Refinance your existing mortgage to access better rates, reduce repayments, or release equity.
First Home Buyer Loans
Specially designed loans to make buying your first home easier and more affordable.
Investment Property Loans
Tailored loans for property investors to grow their real estate portfolio.
SMSF Loans
Finance your property through a Self-Managed Super Fund with expert guidance and support.
Commercial Loans
Secure funding for your business or commercial property with flexible repayment options.
About us
Why Choose Us as Your Local Queensland Home Loan Specialists?
Professional Support Every Step of Your Home Loan
At Horizon Home Loans & Finance Pty Ltd, we provide professional mortgage advice tailored to your individual needs. Our experienced team in Queensland helps you navigate the complexities of home loans, refinancing, and investment property finance, ensuring you make informed decisions with confidence.
Access to a Wide Range of Loan Options
As a leading mortgage broker in Queensland, we work with numerous lenders to find the right loan for you. Whether you are a first-time homebuyer, investor, or professional looking for specialised loans, we compare multiple options to secure competitive rates and flexible repayment terms.
Personalised Solutions for Your Financial Goals
We understand that every client’s financial situation is unique. Our brokers provide personalized strategies to help you achieve your property aspirations, whether it’s purchasing your first home, refinancing, or investing in property through an SMSF. Your goals are our priority.
Local Knowledge and Dedicated Customer Support
Located at 33 Sweeney Street, Kearneys Spring, QLD 4350, our team is deeply familiar with the Queensland property market. We offer dedicated, friendly support throughout your mortgage process, making borrowing simple, stress-free, and tailored to your needs.
Our Loan Process Explained
Personalised Strategy Session
We begin with a comprehensive discussion to understand your financial situation, borrowing capacity, and property goals. This helps us create a tailored strategy that aligns perfectly with your needs.
Lender Matching & Application
Our team reviews options from over 40 trusted lenders to find the loan that suits you best. We then prepare a strong, well-documented application to maximise your chances of approval.
Collaboration with Industry Professionals
To ensure a seamless experience, we coordinate with solicitors, real estate agents, accountants, and lenders. This professional support keeps your home loan process smooth and stress-free.
Approval & Settlement
From application to settlement, we manage all communication with your lender. Even after you receive your keys, we continue to provide guidance and support for any future financial needs.
CLIENT TESTIMONIALS
What Our Clients Say
Ready to Secure Your Perfect Home Loan?
Take the first step toward your property goals with Horizon Home Loans & Finance, your trusted mortgage broker in Queensland. Our expert team will guide you through every step, ensuring a smooth, stress-free experience.
FAQs
Frequenty asked questions
What services does Horizon Home Loans & Finance provide in Queensland?
We offer a wide range of home loan solutions, including first-time homebuyer loans, refinancing, investment property loans, SMSF loans, and commercial loans. Our mortgage brokers in Kearneys Spring provide expert guidance tailored to your financial goals.
How do I know which home loan is right for me?
Our mortgage specialists assess your financial situation, borrowing capacity, and property goals. We then compare options from over 40 lenders in Queensland to find the loan that suits you best.
Can I refinance my existing home loan with Horizon Home Loans?
Yes! We help clients refinance their home loans to secure better rates, reduce repayments, or access equity. Our team ensures a smooth refinancing process from start to finish.
How long does it take to get approved for a home loan?
Approval times vary depending on the lender and your financial situation. Our brokers manage the entire process, from application to settlement, to ensure timely approval.
Why should I use a mortgage broker instead of going directly to a bank?
A mortgage broker gives you access to a wider range of lenders, expert advice, and personalized loan strategies. At Horizon Home Loans, we handle all the paperwork and negotiations, saving you time and stress.