Authorised Credit Representative · ACR 573097

BAMA LOANS

Your Money Partner

Expert Mortgage & Finance Solutions Tailored to Your Goals

From your first home to your next investment property, BAMA Loans provides personalised mortgage brokering across Australia — with access to dozens of lenders.

Calculate Repayments Book a Consultation

What We Offer

Comprehensive Finance Solutions

Home Loans

Whether you're a first-home buyer or seasoned owner-occupier, we find the most competitive rate and structure to suit your lifestyle and long-term goals.

Investment Loans

Build your property portfolio with strategic finance solutions. We help investors maximise borrowing capacity and structure loans tax-effectively.

Refinancing

Stop overpaying on your current mortgage. We compare across our lender panel and move you to a better deal — fast.

Construction Loans

Building your dream home? We specialise in progressive drawdown construction loans, managing the complexity so you can focus on the build.

SMSF Lending

Invest in property through your self-managed super fund. We navigate the specialist SMSF lending landscape and connect you with the right lenders.

Commercial Finance

From commercial property purchases to business lending and asset finance — end-to-end commercial finance brokering for businesses of all sizes.

Estimate Your Repayments

Loan Repayment Calculator

Loan Amount ($)

Interest Rate (% p.a.)

Loan Term

Repayment Frequency

Estimated Repayment

$3,045

per month

Estimate only. Actual repayments vary based on lender fees, loan type and your individual circumstances.

Speak to Bala About This Loan

Your Trusted Finance Professional

Bala Malvatu

Credit Representative & Business Development Manager

With a genuine passion for helping Australians achieve their property and financial goals, Bala Malvatu brings a client-first approach to every conversation. As a Credit Representative and BDM, Bala has built a reputation for clear communication, sharp market knowledge, and outcomes that consistently exceed expectations.

Whether you're navigating your first home purchase, restructuring investment debt, or exploring commercial finance, Bala takes the time to understand your unique situation and delivers solutions with precision and care.

Qualification

Cert IV Finance & Mortgage Broking

Credit Licence

ACR 573097

Aggregator

Red Rock group Pt Ltd

Membership

MFAA / FBAA

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Why BAMA Loans

The BAMA Loans Difference

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Access to 50+ Lenders

Unlike going direct to a bank, we compare products across major banks, second-tier lenders, and specialist financiers to find the right fit.

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Tailored Advice

No two clients are the same. We take time to understand your financial position, goals, and risk profile before recommending any product.

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No Fee to You

Our services are typically at no cost to you. We are remunerated by lenders when your loan settles — so our goal is always your best outcome.

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Fast Turnaround

Known for efficient processing, proactive lender communication, and keeping your transaction on track every step of the way.

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End-to-End Support

From your initial enquiry through to settlement and beyond — including regular loan reviews to ensure you're always on a competitive rate.

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Australian Owned

BAMA Loans is proudly Australian. We understand the local market, regulatory environment, and the nuances of lending in every state.

How It Works

Your Journey to Settlement

Discovery Call

A no-obligation conversation to understand your goals, financial position, and timeline.

Research & Strategy

We analyse your borrowing capacity, compare lenders, and present a tailored shortlist of recommended products.

Application & Approval

We prepare and lodge your application, manage lender communication, and keep you informed throughout.

Settlement & Beyond

We manage settlement logistics and continue to review your loan annually to ensure you remain on the best available deal.

Our Lender Panel

Access to Australia's Leading Lenders

We partner with Australia's major banks, credit unions, and specialist lenders — giving you the broadest possible choice.

Commonwealth Bank

ANZ

Westpac

NAB

Macquarie

ING

Bank of Melbourne

Suncorp

St George

Pepper Money

Liberty

La Trobe

Firstmac

AMP

+ Many More

Client Stories

What Our Clients Say

★★★★★

BAMA Loans a Well guided Approach for my Investments.

— Sridhar Inavolu Home Buyer, ReFinance

★★★★★

BAMA Loans Helped me to get my First Home.

— Pushpdant Patel· HomeBuyer, FirstHome

★★★★★

Acheived my dreams,Thank you.

— Robinson Thomas· Commercial Loans, BusinessLoan

Get In Touch

Start Your Finance Journey Today

Let's Talk About Your Goals

Whether you're ready to apply or just exploring your options, Bala is here to provide honest, expert guidance — at no cost to you.

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Phone

0422 229 055

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bala@bamaloans.com.au

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Location

10 Van Pragg Lane, Oran Park,NSW 2570Australia

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Hours

Mon–Fri 9am–6pm · Sat by appt