A Melbourne mortgage broker built on credit-side experience
GNT Finance and Mortgage was founded by Gorakh Timilsina to give Melbourne families the kind of loan advice that usually stays inside the bank.
Gorakh Timilsina
Gorakh's career runs through every stage of a home loan. He began as a broker assistant, learning the mechanics of loan processing and how clients experience the journey. He then moved to the lending side as a senior credit officer, where he assessed hundreds of financial profiles and built an expert understanding of lending criteria, risk assessment and financial structuring.
That combination is rare. Most brokers have never seen how a credit team reads an application; most credit officers never sit with a family trying to buy their first home. Gorakh has done both, and it shows in the way GNT Finance prepares each file: the questions a lender will ask are answered before they are asked.
Today he leads GNT Finance and Mortgage from Mickleham in Melbourne's northern growth corridor, working with first home buyers, upgraders, investors, self-employed borrowers and new migrants. Consultations are available in English, Nepali and Hindi.
- Former senior credit officer: knows lender policy from the inside
- Specialises in first home buyers, self-employed and visa-holder lending
- Based in Mickleham, serving all of Melbourne and Victoria
- Multilingual: English, Nepali and Hindi
Guiding you toward smarter financial decisions
To empower individuals and families with tailored finance solutions and expert guidance, so they can achieve their goals with confidence and clarity. Every financial journey is personal; ours is to make yours simpler.
Integrity
We tell you when a loan is wrong for you, even when it costs us the deal. Best Interests Duty is the floor, not the ceiling.
Client first
One point of contact from first call to settlement and beyond. You will always know where your application is up to.
Excellence
Files are prepared to a credit officer's standard: complete, consistent and explained, so approvals come faster.
Tailored approach
No two borrowers are the same. We match lender policy to your situation rather than pushing one product.
Built on experience, driven by purpose, focused on you
Broker assistant
Hands-on with loan processing and client relations: learning what makes an application move quickly, and what slows it down.
Senior credit officer
Assessing hundreds of applications against lender policy. Developing expertise in serviceability, risk assessment and structuring.
GNT Finance and Mortgage
Founded to bring that expertise to borrowers directly, with a focus on Melbourne's north and the communities that live there.
Families from all over the world
GNT Finance has helped clients from many backgrounds into their first Australian home — most often from Nepal, India, the Philippines, Vietnam, Sri Lanka, Pakistan and China, and from every other community. Gorakh speaks English, Nepali and Hindi, and we arrange an interpreter in your language when you need one. We know the questions migrant families actually face: overseas gifts and source-of-funds evidence, thin Australian credit files, self-employed income, and getting the timing right from visa to permanent residency to your first home.
Services
Ready to talk about your loan?
A 15-minute call is enough to tell you what you can borrow, which lenders fit and what to do next. No cost, no obligation.