With You In Every Step
Personalised lending advice for home buyers, investors & business owners across Australia. Let us find the right solution for you.
Access to 30+ Australian Lenders
Meet Gowrie Arjuna, Finance & Mortgage Consultant
With decades of experience in finance and a deep understanding of the Australian lending landscape, I bring a unique combination of professional qualifications and genuine care to every client interaction.
As a Fellow CPA, Fellow Chartered Management Accountant, and Chartered Global Management Accountant, I don’t just find you a loan, I understand your complete financial picture and find solutions that truly fit your life.
Based in Melbourne’s south-east, Dhaniro Mortgage Solutions was founded on the belief that everyone deserves personalised, expert guidance when making one of life’s biggest financial decisions.
We pride ourselves on building long-term business relationships with our clients.
Our Services
Whether you're buying your first home, looking for a refinance, or purchase a car, or funds for personal use, or a business finance or SMSF Residential or Commercial purchase, we've got you covered.
Home Loans
Whether you're buying your first home or your investment property or Refinance of existing loan, we'll help you to navigate the options and find a solution that fits your goals and budget.
Car Loans
Looking to finance a new or used vehicle? We compare car loan options across our lender panel to get you a competitive rate with flexible terms.
Personal Loans
Need funds for home furnishing? Dreaming of traveling around Australia or abroad? Or looking to make a one-off purchase? a personal loan can help you get ahead. We'll find the right option with repayments that work for you.
Business Loans
Need funding to grow or manage your business? We compare secured and unsecured options to find the right fit for your working capital, cash flow, or commercial property needs.
SMSF Lending
Looking to invest in property through your self-managed super fund? SMSF loan products allow you to purchase a range of different property types through the Self Managed Super Funds. We'll help you to navigate SMSF lending options for Residential and Commercial purchase and Refinance.
Debt Consolidation
Juggling multiple repayments can be overwhelming. We consolidate your personal or business debts, including ATO debts into a single, manageable loan so you can regain control of your finances, simplify what you owe, and focus on moving forward.
How It Works
Getting the right loan doesn't have to be complicated. Here's how we make it easy.
Book a Free Call
Tell us about your goals and financial situation in a relaxed, no-obligation chat.
We Find the Right Loan
We compare options across our panel of 30+ lenders to find the best fit for you.
Settlement & Beyond
We guide you through to settlement and stay in touch to make sure your loan keeps working for you.
Book a Free Call
Tell us about your goals and financial situation in a relaxed, no-obligation chat.
We Find the Right Loan
We compare options across our panel of 30+ lenders to find the best fit for you.
Settlement & Beyond
We guide you through to settlement and stay in touch to make sure your loan keeps working for you.
Why Choose Dhaniro Mortgages
I am not just a mortgage broker, I am your financial consultant offering the product that fits your goals.
Personalised Service
One-on-one guidance tailored to your situation, not a one-size-fits-all approach.
Qualified Professional
Backed by FCPA and FCMA qualifications with a deep understanding of your complete financial picture.
Wide Lender Panel
Accredited with 30+ lenders comprising major Australian banks, second-tier banks, and non-bank mortgage lenders offering hundreds of loan solutions to suit your borrowing needs.
Industry Experience
35+ years of experience in the banking and mortgage industry.
Free Consultation
Contact us today for a no-obligation chat to discuss your financial requirements.
Fast Communication
We keep you informed at every stage. No chasing, no waiting. You'll always know where your application stands.
What Our Clients Say
Don't just take our word for it, hear from the people we've helped.
“I had a great experience working with Gowrie as my mortgage broker. She was proactive in finding the best loan options and rates to suit my goals. What stood out most was her personalised service—I never felt like just another client. Even after a couple of years, Gowrie continued to check in and ensure we were still on the best rates, even negotiating with banks on our behalf. That level of ongoing support really sets her apart. I highly recommend Gowrie for anyone looking for reliable and dedicated financial guidance.”
“Dhaniro Mortgage Solutions is an outstanding mortgage broker. Professional, responsive, and genuinely helpful throughout the entire process. They found me a great rate with excellent terms and handled everything efficiently. Couldn’t be happier with the outcome. Highly recommended”
“I had a fantastic experience working with Dhaniro Mortgage Solutions. They were always punctual and reliable, which made the entire process smooth and stress free. Communication was clear and consistent, and they were incredibly easy to deal with from start to finish. I especially appreciated how attentive they were to my needs, taking the time to answer questions, explain options, and ensure I felt confident in every decision. I’d highly recommend Dhaniro Mortgage Solutions to anyone looking for a professional and supportive mortgage broker.”
“Gowrie was incredibly responsive and excellent at explaining the entire process of purchasing a house which was invaluable for a first home buyer like myself. She secured pre-approval quickly and provided great advice during the settlement period too. Very grateful to have had her in my corner during what otherwise would have been a stressful time!”
“Gowrie was incredibly knowledgeable, responsive and patient in answering all my questions. The whole process of buying my first investment property felt smooth and stress-free, thanks to her professionalism and attention to detail. I always felt supported and confident that I was in good hands. I wouldn't hesitate to recommend Dhaniro Mortgage Solutions to anyone looking for a reliable and trustworthy mortgage broker.”
“Gowrie has helped us get through many home / investment loans and refinancing of existing loans in the past few years and she is always being on the ball from the very start and has negotiated very good rates for us. She is always very prompt in her replies, can call her during most time of the day and even during weekends at times. I would highly recommend her always and will go through her when we need any refinancing and home / investment loan needs. ”
“I had a great experience working with Gowrie as my mortgage broker. She was proactive in finding the best loan options and rates to suit my goals. What stood out most was her personalised service—I never felt like just another client. Even after a couple of years, Gowrie continued to check in and ensure we were still on the best rates, even negotiating with banks on our behalf. That level of ongoing support really sets her apart. I highly recommend Gowrie for anyone looking for reliable and dedicated financial guidance.”
“Dhaniro Mortgage Solutions is an outstanding mortgage broker. Professional, responsive, and genuinely helpful throughout the entire process. They found me a great rate with excellent terms and handled everything efficiently. Couldn’t be happier with the outcome. Highly recommended”
“I had a fantastic experience working with Dhaniro Mortgage Solutions. They were always punctual and reliable, which made the entire process smooth and stress free. Communication was clear and consistent, and they were incredibly easy to deal with from start to finish. I especially appreciated how attentive they were to my needs, taking the time to answer questions, explain options, and ensure I felt confident in every decision. I’d highly recommend Dhaniro Mortgage Solutions to anyone looking for a professional and supportive mortgage broker.”
“Gowrie was incredibly responsive and excellent at explaining the entire process of purchasing a house which was invaluable for a first home buyer like myself. She secured pre-approval quickly and provided great advice during the settlement period too. Very grateful to have had her in my corner during what otherwise would have been a stressful time!”
“Gowrie was incredibly knowledgeable, responsive and patient in answering all my questions. The whole process of buying my first investment property felt smooth and stress-free, thanks to her professionalism and attention to detail. I always felt supported and confident that I was in good hands. I wouldn't hesitate to recommend Dhaniro Mortgage Solutions to anyone looking for a reliable and trustworthy mortgage broker.”
“Gowrie has helped us get through many home / investment loans and refinancing of existing loans in the past few years and she is always being on the ball from the very start and has negotiated very good rates for us. She is always very prompt in her replies, can call her during most time of the day and even during weekends at times. I would highly recommend her always and will go through her when we need any refinancing and home / investment loan needs. ”
Calculators and Tools
Plan your home loan with our free calculators. Get quick estimates for repayments, borrowing power, stamp duty, and more.
Frequently Asked Questions
Common questions about mortgage brokers, home loans, fees, and the lending process in Australia.
A mortgage broker is a licensed professional who acts as an intermediary between you and lenders. Rather than approaching one bank, your broker compares home loan products across 30+ lenders to find the most competitive option for your situation, then manages the entire application through to settlement.
No. Our service is free for the vast majority of residential loans. The lender pays us a referral commission when your loan settles. All commissions are fully disclosed before we begin, and we are legally required to act in your best interests under Australian credit law.
A bank can only offer its own products. A mortgage broker compares options across dozens of lenders, including major banks, second-tier lenders, and specialist providers, to find the deal that genuinely suits your circumstances. We also handle the paperwork, negotiate on your behalf, and manage the process end to end.
Lenders pay brokers a commission made up of two parts: an upfront commission (a percentage of the loan amount paid at settlement) and a trailing commission (a smaller ongoing amount while the loan remains active). Brokers must disclose all commissions to you in writing before you proceed.
We start with a free, no-obligation consultation to understand your goals. We review your financial situation, explain the different loan product types, discuss current interest rates, and determine your borrowing capacity. You will leave with a clear picture of your options and next steps, no pressure to commit.
From Our Blog
Practical tips and insights on home loans, property, and the Australian mortgage market
