Don't just take our word for it, check what our customers say about us.

Results speak!

Sabaratnam S  - Refinance / Investor

Best service I have referred him to my close friend

Arivumani V - Refinance/Purchase

Jugal is Excellent, Knowledgeable, Hardworking broker. He is always quick in responding any queries and work in the best interest of the client.

Makarand K - Refinance / Investor

Very professional and helpful attitude. Sound knowledge of the process.

Bidhan C - Refinance

Jugal provides a wonderful professional services in preparing , pre-assessing loan application. He is a nice person to work with. Look forward to continue getting his services in the future!

Zahraa A - First Home Buyer
He was really good gave me lots of options and feedback. He to get better loan from bank that suit my needs


Sneha S- First Home Buyer

Jugal is a professional who works outstandingly well with you and your timelines. He is the one person that you should trust when you need your finances sorted quickly and efficiently. He gives you the best possible advice to make your life easier with the whole loan process

Sumedh S - Refinance

Jugal has been helping and heading us in the right direction with the loan amounts and getting us the best deals. He kept us in the loop and notified every move that was going on. Would definitely recommend everyone to go with Jaira. Best service all over the country. Thank you Jugal for your help!

Shivaprasad M - Refinance

Jugal has been of great help, always approachable and assisted me in the right direction throughout the process of purchasing our first house. I would definitely recommend Jugal without a thought for house loan purposes. Thanks.

Anne W - Refinance

Excellent service! Jugal is very helpful and responds without delay. Very reassuring. He has helped me so much to buy my property.

AA - Refinance / Investor

I recommend Jaira Home Loans to anyone seeking a mortgage broker. I had a very positive experience with Jugal Baldawa. He works tirelessly to organise all my loan needs. The best thing I like about him is his "promptness". I feel lucky to be introduced to Jugal. I definitely would continue working with Jugal in future.

Adviteeya D - Refinance / Purchase

Jugal has been amazing in getting us a very good deal with the bank. He understood our need and negotiated with the Banks and always kept the communication channels open. He is very approachable even after hours and weekends. I have already recommended him to my friends.

Minhaz Y - Purchase / Refinance

Very professional and easy to do all the paper work.

Chitra S - Purchase

Jugal helped us get a home loan in the shortest possible time when we were up against a deadline. He was always available and replied our messages or calls immediately. He did the hard bits like filling in long forms, talking to banks and lawyers, and making the whole process a less onerous one for all of us. I unreservedly recommend him.

Arifur R - Refinance

My experience with Jugal was outstanding. I contacted many banks and brokers but I got many negative answers from them for my refinancing. I was referred to Jugal by a friend. In the first session, Jugal made me feel at ease. Jugal supported and guided me throughout the process and got us over the line. We highly recommend Jugal for his dedication and persistence as he always puts his clients interest first.

Kashif B - Refinance

Jugal Baldawa and the team did a great job. I was kept informed of my application status throughout the whole process so I wasn't left wondering what was happening. Jugal and his team are more than brokers, they understand residential loans and especially refinancing loans. Jugal had to deal with the ACT government and my current bank to complete the entire process. You can certainly work with them, and tell your friends!!! Regards Kashif

M Kale - Car Loan / Personal Loan

Mr Jugal is very good person to deal with the refinancing or home loan, personal loan product and car loans too. He is very quick to act on your applications. He will provide you timely updates about your application and find out amicable solutions to your needs. I dealt with him 3 -4 times and found him extremely trustworthy, knowledgeable and punctual in his dealings.


S Kaushik - Refinance

Jugal is professional and has in-depth knowledge of the market, he worked patiently and effectively with us in securing our refinance. I would strongly recommend him. Thank you

A Sharma - First Home Buyer

I was introduced to Jugal through my brother in law. Jugal is a true professional and an amazing personality I came across.His entire team is very friendly, helpful and went above & beyond to get us the home loan.He even coordinated with the Property manager and gave us good recommendations.To summarize I will recommend his services to all my friends, relatives and acquaintances. Keep up the great work Jaira team.You make dreams come true.

Vickram G - Refinance

Jugal Baldawa has been an amazing broker for us. As we were looking to refinance our current loan, he not only helped us get the best loan but pretty much guided us through the whole process and negotiate much better rates than we anticipated!!

Mit T - First Time Buyer


Being a migrant in Australia and trying to buy your first property out of your home country is always tough and over whelming. Our case was no different. When we got in touch with Jugal for the first time just to get an idea of what our borrowing capacity is, he was so very patient at explaining us the process and what is means to own a property in Australia. After that, once we progressed with the next steps, his service was amazing and literally demonstrates that he puts his heart and soul for the benefit of his clients. Right throughout the process - from getting us pre-approval to getting our home loan finalized; Jugal played such a key role and he was always patient in hearing and answering our questions - no matter how small or at what time during the day/night we raised them with him. It was a great experience and I would highly recommend him to anyone at any point in time. Thanks once again Jugal for all the help/assistance that you have provided so far and will continue to provide in future as well 🙂

N Gupta - First Home Buyer

Jugal has been very helpful in preparing finance application , I would appreciate his patience even when some rework was identified. I would highly recommend him for his professional ethics and prompts response to each query we have during loan application and some useful tips which as a buyer ,we may like to get during process...Thanks mate please keep it up .Cheers

A Singh - Refinance

When searching for a home loan you need to be able to rely on someone you can trust to be able to present all the options available and give you the right information to make the right decisions. Jugal Baldawa from Jaira Home Loans is able to do all of this and more. He was able to answer the myriad of questions and provide guidance to best products and solutions to help us save money and pay off our home sooner. There was not question too silly or too hard that with his extensive experience and knowledge he was not able to answer confidently and made us feel at ease using Jaira Home Loans. Everything was handled quickly, efficiently and his customer service is the best that we have come across. Thanks Jugal for helping change our lives

R Chauhan - Refinance


Well experienced and quick response, explaining things in very simple terms very easy to understand. I strongly believe his well experienced in this industry. He did my first home last year and now doing my second home loan.

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