Residential Home Loans
Finance assistance for eligible clients buying a home to live in, including first home buyers and people purchasing their next home.
Explore Home Loans →
About Danphe Finance
Your Bridge to Better Mortgage and Finance Decisions
Danphe Finance is a Sydney-based mortgage broking company helping first home buyers, homeowners, property investors and business owners understand their finance options and move forward with greater confidence.
We believe obtaining finance should not feel confusing or impersonal. Our role is to understand your circumstances, explain the lending process clearly and help you explore suitable options from our available lending panel.
Personalised Mortgage Guidance
Supporting home buyers, refinancers and property investors
throughout Australia.
Buying Your First Home?
Understand borrowing capacity, deposits, loan options, documentation and pre-approval.
Paying Too Much?
Review your existing mortgage and explore whether refinancing could provide a more suitable structure.
Planning to Invest?
Explore investment loan options based on your equity, income, existing commitments and property goals.
Need Business Finance?
Discuss cash-flow, asset, vehicle and business finance options based on lender eligibility.
Our Purpose
Making the Finance Journey Clearer and More Personal
Your mortgage is more than an application. It can influence your household budget, property goals and long-term financial position.
“We aim to give every client the information, guidance and
support needed to make a more informed finance decision.”
Who We Are
Your Financial Future Is Our Priority
At Danphe Finance, we understand that every client’s financial journey is different. Your income, expenses, deposit, debts, employment circumstances, family plans and property objectives all contribute to the type of finance that may be appropriate.
We take the time to understand your needs before discussing potential lending options. We then help you navigate lender requirements, prepare documents, progress your application and communicate with the lender throughout the process.
Personalised borrowing assessment
Clear explanation of loan options
Multiple lenders and products
Application-to-settlement support
First home buyer guidance
Residential and investment finance
Bikas Kandel
Mortgage and Finance Broker at Danphe Finance
Meet Your Broker
Meet Bikas Kandel
A Sydney-Based Nepali Mortgage Broker Focused on Clear, Personalised Support
Bikas Kandel assists first home buyers, homeowners, refinancers, property investors and business owners with understanding their borrowing position and exploring potential finance options.
His approach is based on listening carefully, explaining lending terminology in an easy-to-understand way and supporting clients throughout the application journey. This can be particularly valuable for members of Australia’s Nepali community who want a culturally familiar and community-focused mortgage experience.
Bikas can assist with preparing for pre-approval, reviewing supporting documents, considering lender options and managing communication during the assessment and settlement stages.
Credit Representative Number 466281
First Home Buyer Loans
Residential Home Loans
Home Loan Refinancing
Investment Property Loans
Car and Personal Finance
Business and Cash-Flow Finance
Our Lending Panel
More Choice Than Visiting One Bank
Danphe Finance can explore lending products from multiple available lenders rather than limiting your discussion to the products offered by one financial institution.
01
Different Lender Options
Different lenders may assess income, employment, expenses, liabilities and property types differently. Having access to multiple options can help identify lenders whose policies may be relevant to your circumstances.
02
More Than the Interest Rate
A mortgage comparison may also consider fees, offset accounts, redraw facilities, repayment flexibility, fixed-rate conditions, borrowing capacity and the total cost of the loan.
03
Recommendations Based on Your Needs
Potential loan options are considered according to your stated objectives, financial position, requirements and lender eligibility criteria.
The number of available lenders and products may change. Not every lender or product will be suitable or available to every applicant. All applications are subject to lender eligibility, assessment, valuation and approval criteria.
How We Can Help
Finance Solutions for Different Stages of Life
From purchasing your first home to refinancing, investing or financing a business requirement, Danphe Finance can help you understand the next steps.
Investment Home Loans
Lending guidance for eligible property investors purchasing or refinancing residential investment property.
Explore Investment Loans →Home Loan Refinancing
Review your existing mortgage and explore whether another loan, lender, feature or structure may suit your current position.
Explore Refinancing →Car Loans
Vehicle finance options for eligible applicants purchasing an approved new or used vehicle.
Explore Car Finance →Personal Loans
Finance options for approved personal purposes, subject to the applicant’s circumstances and lender assessment.
Explore Personal Loans →Business and Cash-Flow Finance
Assistance for eligible businesses seeking finance for equipment, operations, working capital or business growth.
Explore Business Finance →
Our Approach
A Clear Process from Consultation to Settlement
Every application is different, but the Danphe Finance process generally follows these five stages.
01
Initial Consultation
Discuss your property goal, income, deposit, liabilities and expected timeframe.
02
Financial Review
Review your financial position, requirements and supporting documentation.
03
Loan Comparison
Consider relevant lender and product options based on your stated needs.
04
Application Support
Prepare the application and manage communication with the selected lender.
05
Approval and Settlement
Help manage outstanding conditions and support the journey toward settlement.
Transparency, Trust and Responsible Lending
We believe clients should know who is providing credit assistance, how the broker operates and which licence authorises that activity.
Danfe International NSW Pty Ltd
Credit Representative Number 540390 of BLSSA Pty Ltd, ACN 117 651 760, Australian Credit Licence 391237.
Credit Representative Number 540390 of BLSSA Pty Ltd, ACN 117 651 760, Australian Credit Licence 391237.
Bikas Kandel
Credit Representative Number 466281 of BLSSA Pty Ltd, ACN 117 651 760, Australian Credit Licence 391237.
Credit Representative Number 466281 of BLSSA Pty Ltd, ACN 117 651 760, Australian Credit Licence 391237.
Loan availability, borrowing capacity, rates, fees and approval
depend on individual circumstances and lender assessment criteria.
About Danphe Finance
Frequently Asked Questions
Find answers to common questions about Danphe Finance, Bikas Kandel, lender choice and our mortgage broking services.
What is Danphe Finance? +
Danphe Finance is a Sydney-based mortgage broking company that
assists eligible clients with residential home loans, investment
loans, refinancing, personal loans, car finance and business
finance.
Who is Bikas Kandel? +
Bikas Kandel is a mortgage and finance broker at Danphe Finance.
He assists first home buyers, homeowners, property investors and
businesses with understanding and progressing potential finance
options.
Is Bikas Kandel an authorised credit representative? +
Bikas Kandel is a credit representative, number 466281, of BLSSA
Pty Ltd, ACN 117 651 760, Australian Credit Licence 391237.
Does Danphe Finance work with multiple lenders? +
Danphe Finance has access to multiple lender and product options.
The lenders and products considered for an applicant depend on
their circumstances, requirements and lender eligibility.
Can Danphe Finance assist first home buyers? +
Yes. Danphe Finance can assist first home buyers with borrowing
assessments, deposit considerations, loan comparisons,
pre-approval preparation, documentation and application support.
Can Danphe Finance review my existing mortgage? +
Yes. Danphe Finance can review your current mortgage and explore
whether refinancing to another loan, lender or structure may be
appropriate. Refinancing costs and long-term implications should
also be considered.
Does Danphe Finance provide investment property loans? +
Danphe Finance assists eligible clients purchasing or
refinancing residential investment properties. The available
options depend on borrowing capacity, equity, income, existing
commitments and lender policy.
Does Danphe Finance only serve Nepali clients? +
No. Danphe Finance assists eligible clients from different
backgrounds. Its community-focused service can be particularly
helpful for Nepali Australians seeking a culturally familiar
mortgage broker.
Is mortgage approval guaranteed? +
No. Mortgage approval is never guaranteed. Every application is
subject to lender policy, verification, credit assessment,
valuation, eligibility and responsible lending requirements.
How can I book an appointment with Bikas? +
You can use the Danphe Finance appointment page, call Bikas on
0403 587 786 or email info@danphefinance.com.au to request a
consultation.
Ready to Discuss Your Home Loan or Finance Options?
Book a consultation with Bikas Kandel to discuss buying your first home, refinancing your current mortgage, investing in property or seeking another type of finance.
External Links
Danfe International NSW Pty Ltd is a credit representative (credit rep number: 540390) of BLSSA Pty Ltd ACN 117 651 760 Australian Credit Licence 391237.
Connect with us
Copyright © 2026 | All Rights Reserved | Bikas Kandel is a credit representative (Credit rep number: 466281) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).
