Expert Mortgage advice from Experience Broker

With over 30 Years’ experience among our people we’ll ensure you always get the best guidance

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Whether you are a First Home Buyer or a seasoned expert, buying or building a home is exciting but can be stressful. We hold your hands to make this journey an incredible experience.

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Financial Success as well as most success in Life, Is not about perfection, It’s about direction

We bring decades of proven Industry experience in driving our investment approach

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We’re famous for our friendly, personal help with every area of your financial affairs

TLIH Story

TLIH is an award-winning Mortgage Brokering company with customers all over Australia.

Formed in 2018, TLIH emerged as a new name in the market, but Ramnnish Sharma & Bhavna Sharma were already a very well-known name in Mortgage Brokering Industry, operating as a Smartline Mortgage Advisers franchisee since 2010. Our loyal clientele, business partners and the lender partners welcomed this new initiative, and they were overwhelmed with our decision to launch ourselves under a new banner “The Lending & Investment Hub”.

At TLIH, we have a thorough knowledge of lending products and structures and actively keep up to date with the changing market conditions and the newest policy & product offers. We ensure our customers fully understand the various lending options available to them so that they can make informed decisions.

What we Offer?

“Buying a house can be a taxing experience”.

“Being a property investor myself, I provide full support and guidance to my customers not only during the lending process but also throughout the whole property buying process, including negotiation tactics, dealing with real estate agents and conveyancers etc. I have the first-hand experience in the many decisions people need to make when investing in property, and fully appreciate the importance of correct loan structuring. I also know that being kept fully informed throughout the process helps keep the lending journey as hassle-free and as stress-free as possible.”

Ramnnish

“Being available to my clients and providing honest advice, based on my extensive knowledge of the home loan market, bank’s credit policies and previous experience of working in various credit roles, is the foundation on which I’ve built our mortgage advisory business”.

"When clients talk to me about their dream of owning a home or their dream to grow in their life, I can see a passion in their eyes. They are looking for a ‘ray of hope’ in us for making their dreams come true, and then their passion becomes my passion. I live through their dreams and feel their excitement.”
“We seek to develop long term relationships with our clients so that we can become their adviser for life.”

Bhavna

The Loan Hub

Home Loan Hub

One of our key areas of service and expertise is in providing suitable lending options for property acquisition to our clients. It is of utmost importance that the loan product recommended by us is congruent with your wealth creation strategy and ensures any debt created through the loan...

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Business Loan Hub

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Asset Finance Hub

For almost every small and medium-sized business, some equipment, machinery or vehicle is necessary to run the business but purchasing the equipment can be very expensive. Asset finance is a useful way for businesses of all sizes to finance the purchase of any type of machinery...

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Our Awards - Earned by our Mortgage Brokers:

Finalist- FAST Business Excellence Awards 2022

Residential Sole Operator VIC/TAS

Finalist- FAST Business Excellence Awards 2022

Asset Finance Sole Operator National

Finalist- FAST Business Excellence Award 2021

Residential Broker (less than 5 brokers in the office) Vic/TAS

Winner- FAST Business Excellence Award 2020

Residential Broker (less than 5 brokers in the office) Vic/TAS

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What our Clients say about TLIH?

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. Bhavna and Ramnesh from The Lending & Investment Hub were able to do all of this and more. They were 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.I will definitely use their services again and will continue to recommend them to others.

Saboora Khurram

September 8, 2024

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I had an exceptional experience working with The Lending &Investment Hub for my home loan. From the beginning, Ramnish provided outstanding support and guidance throughout the entire process. Raminish and his team was always responsive, patient, and knowledgeable, addressing all my questions and concerns with professionalism and clarity. His expertise and dedication truly made a difference in securing the best terms for my loan.

I highly recommend #the landing & investment hub to anyone in need of a reliable and supportive broker. Thank you for making the process so smooth and stress-free!

Daniel Seifu

August 10, 2024

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Excellent service, We have known & deal with Ramnish and Bhavna for over 8 years & would highly recommend them to everyone. They have assisted us not only with our home loans & refinancing over the years but also provided guidance & advice and share investment related ideas. The team is very responsive and fast working easy to contact.

They are very professional and friendly as well.

We have had the best experience over the years I would like to say Thanks to Ramnish and Bhavna for their time excellent work and support.

Heli Parikh

May 30, 2024

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Ramnish Sharma is one of the best and Top Mortgage Brokers who is not only super proactive and knowledgeable but has super fluid approach to any situation related to mortgage broking

I am one of Ramnish’s client and can say it with full confidence that he has ability to create out of the box solutions to secure the best possible weather it’s rates, advise in how to build a strong case to a financial institution and delivers it with confidence to the potential lenders

I have been his client for almost 10 Years and can say with confidence that he is very respectful, courageous and trustworthy broker to deal with and hence has a very positive name out there in the marketplace

Anyone with mortgage broking needs please reach out to Ramnish directly and I strongly recommend you give him a chance before you speak to anyone

Thank you for all your help and support

Sahil Uppal

May 24, 2024

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