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Apsara Finance

Updated 2026-07-30 · 4,285 reviewed · 380 listed · Scored from 28 Google reviews · How we rank ›

5.0(28) 87 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansMortgage Broker
Apsara Finance
Services
First Home Buyer Loans, Mortgage Broker
Reviews
28

What recent reviews say

Cham Teng and the team at Apsara Finance consistently deliver straightforward, supportive mortgage brokering that takes the stress out of refinancing and first home purchases. Reviewers praise quick approvals, clear communication even on weekends, and a personal touch that sets the service apart from banks. The experience feels tailored rather than transactional.

Cham's expertise shines in complex situations: helping clients rejected by major banks, securing better rates than expected, and explaining every step without jargon. His responsiveness and willingness to answer questions at any time, combined with thorough follow-through, make the normally demanding mortgage process feel manageable and transparent.

Praised for
  • knowledgeable and patient
  • responsive and quick turnaround
  • went above and beyond
  • stress-free process
  • genuine care for clients
responsive-communicationgot-best-ratesmooth-settlementexplained-clearlyfast-approvalwent-above-and-beyondknowledgeable-brokerpatient-with-questionsreliable-followup
Best for: People refinancing for renovations or switching loans, and first home buyers rejected by banks

Strengths

  • Cham Teng's availability and responsiveness
  • Better rates than banks
  • Tailored solutions for rejected applicants
  • Clear explanations and no jargon

Worth knowing

  • Cham Teng (senior broker) named repeatedly
  • Weekend availability and after-hours responsiveness
  • Secured approval for clients rejected by Westpac
  • Loan settlement within weeks after property purchase
  • Top-up refinancing for renovations at unchanged repayments

What reviews say by service

Refinancing
Faster and easier than banks with better rates; clients kept informed throughout
First Home Buyer Loans
Stress-free guidance for couples entering the market, especially those rejected by major banks

How it compares

  • Rated 5 against a 4.92 average across the 322 first home buyer loans businesses listed here.
  • Has more Google reviews than 56% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 97
Review volume 63
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
28
4
0
3
0
2
0
1
0

Common questions

What happens if a bank has already rejected my mortgage?
Cham has helped clients rejected by Westpac find better loan solutions by understanding their financial goals and exploring lender options beyond the big banks.
How fast can a loan be settled?
Once your property is found, settlement has been achieved within a couple of weeks with Cham's efficient coordination.
Will I pay more for refinancing through a broker?
No. Reviewers report refinancing at the same repayment level for larger loan amounts, or accessing equity for renovations without increasing their monthly repay costs.

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Le-On Lim and the team at this branch have earned a 5-star rating across 142 reviews by showing up consistently for first-time buyers, refinancers, and investors. Reviewers praise how he simplifies the loan process, keeps in touch through every step, and doesn't hesitate to dig deeper when a situation gets complicated (like construction loans or post-separation refinancing). Sophie and Sarah are mentioned by name for similar dedication. The business stands out for staff who seem genuinely invested in outcomes rather than rushing through paperwork. Long-term clients credit Le-On with 15 years of steady, knowledgeable service. No complaints surface in recent reviews; the tone is consistent gratitude for patience, responsiveness even outside office hours, and clarity when explaining unfamiliar territory.

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Last updated 2026-07-30