Your home loan,
handled personally.
I'm Chet Narayan — a home loan specialist who treats your goals like my own. Better rates, clearer answers, and a hand to hold from pre-approval to settlement.
Mortgage advice that feels like advice from a friend.
Hi, I'm Chetnarayan Chhantyal — most people just call me Chet. For years I've helped families across Melbourne's north navigate one of the biggest financial decisions of their lives, with calm, honest guidance and zero jargon.
From first home buyers in Craigieburn to investors expanding their portfolio, I work with 40+ lenders to find the structure that genuinely fits your life — not the one with the biggest commission.
One specialist. Every kind of loan.
Whether you're buying your first home or your fifth investment property, I have the lender panel and the experience to make it happen.
First Home Buyers
Government schemes, low-deposit options, and a step-by-step plan from pre-approval to keys.
Refinancing
Lower your rate, unlock equity, or consolidate debt — I'll review every option on the market.
Investment Loans
Build a property portfolio with smart structuring, offset strategy and tax-aware lending.
Construction Loans
Building or knocking down? Manage progress payments and lender drawdowns without stress.
Self-Employed
Low-doc and alt-doc solutions for tradies, contractors and business owners.
Personal & Car Loans
Competitive asset finance with the same personal service and quick turnaround.
Simple. Transparent. Stress-free.
A relaxed 20-minute call to understand your goals, situation, and timeline. No commitment.
I review 40+ lenders and present 2–3 tailored options with rates, repayments and total cost.
I prepare your paperwork, liaise with the lender, and chase every approval in real time.
Keys in hand. And I'm still here — for annual reviews, refinances and your next purchase.
Families who got their yes.
"Chet walked us through the FHOG and got us a rate we didn't think was possible. He answered messages on a Sunday night. Total legend."
"Third property with Chet. He structures things properly so the next purchase is always easier. Wouldn't use anyone else."
"Saved us $412 a month. The process was so smooth I kept waiting for the catch. There wasn't one."
Your next home
starts with a conversation.
Pick up the phone. I usually answer on the first ring — and if I can't, I'll call back within the hour.
Call directly0452 042 424