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Apsara Finance

Updated 2026-08-30 · 4,552 reviewed · 434 listed · Scored from 28 Google reviews · How we rank ›

5.0(28) 86 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansMortgage BrokerConstruction & Building LoansRefinancingInvestment Property FinanceCommercial & Business FinanceCar & Personal Loans
Apsara Finance
Location
Victoria Park
Services
First Home Buyer Loans, Mortgage Broker, Construction & Building Loans
Reviews
28
Ranking
#119 in First Home Buyer Loans
Best for
People refinancing for renovations or switching loans, and first home buyers rejected by banks

Core details are sourced from this business's Google Business Profile (checked 2026-08-30). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Cham Teng and the team at Apsara Finance consistently deliver straightforward, supportive mortgage brokering that takes the stress out of refinancing and first home purchases. Reviewers praise quick approvals, clear communication even on weekends, and a personal touch that sets the service apart from banks. The experience feels tailored rather than transactional.

Cham's expertise shines in complex situations: helping clients rejected by major banks, securing better rates than expected, and explaining every step without jargon. His responsiveness and willingness to answer questions at any time, combined with thorough follow-through, make the normally demanding mortgage process feel manageable and transparent.

Praised for
  • knowledgeable and patient
  • responsive and quick turnaround
  • went above and beyond
  • stress-free process
  • genuine care for clients
responsive-communicationgot-best-ratesmooth-settlementexplained-clearlyfast-approvalwent-above-and-beyondknowledgeable-brokerpatient-with-questionsreliable-followup
Best for: People refinancing for renovations or switching loans, and first home buyers rejected by banks

What are they good at?

  • Cham Teng's availability and responsiveness
  • Better rates than banks
  • Tailored solutions for rejected applicants
  • Clear explanations and no jargon

Worth knowing

  • Cham Teng (senior broker) named repeatedly
  • Weekend availability and after-hours responsiveness
  • Secured approval for clients rejected by Westpac
  • Loan settlement within weeks after property purchase
  • Top-up refinancing for renovations at unchanged repayments

What reviews say by service

Refinancing
Faster and easier than banks with better rates; clients kept informed throughout
First Home Buyer Loans
Stress-free guidance for couples entering the market, especially those rejected by major banks

How it compares

  • Rated 5 against a 4.92 average across the 365 first home buyer loans businesses listed here.
  • Has more Google reviews than 59% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 97
Review volume 63
Review recency 98
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
28
4
0
3
0
2
0
1
0

FAQ

What happens if a bank has already rejected my mortgage?
Cham has helped clients rejected by Westpac find better loan solutions by understanding their financial goals and exploring lender options beyond the big banks.
How fast can a loan be settled?
Once your property is found, settlement has been achieved within a couple of weeks with Cham's efficient coordination.
Will I pay more for refinancing through a broker?
No. Reviewers report refinancing at the same repayment level for larger loan amounts, or accessing equity for renovations without increasing their monthly repay costs.

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Aussie Home Loans Victoria Park
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Aussie Home Loans Victoria Park

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Le-On Lim and the team at Aussie Home Loans Victoria Park have built a reputation for turning the mortgage process into something predictable and even enjoyable. First-home buyers praise his clarity and patience; long-term clients say he navigates their most complex deals-construction challenges, post-separation refinances, tight settlement timelines-with real-world insight that goes beyond bank logistics. Named staff members Le-On Lim and Sophie handle most inquiries, staying responsive through email and phone. The business holds Australian Credit Licence 246786 and lists services from home and construction loans to debt consolidation and insurance. Reviewers across multiple years report feeling supported every step of the way and valued enough to return for future deals.

Self-Employed & Low-Doc LoansConstruction & Building LoansFirst Home Buyer Loans

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Last updated 2026-08-30