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Australia’s leading mortgage broker for Pasifika families

Proudly helping our community turn home ownership dreams into lasting realities.

Start my journey

Compare over 30+ lenders

From home-ownership to smarter refinancing options, we’ve got you covered.

Whether you’re buying your first home, looking to refinance, or investing in property, we’re here to help.

First home buyers

Let us help with the first step into home ownership.

Start here

Next home Buyers

Make your move into a new home stress-free.

Grow my portfolio

Refinancing

Smarter refinancing options to save time and money.

See if you can save

SMSF lending

Tailored SMSF lending solutions to grow your investments.

Learn more about SMSF loans

Backed by MFAA professional standards

Accredited by the Mortgage & Finance Association of Australia, meeting Australia’s highest standards for mortgage professionals.

Bula vinaka! My name is Joe.


I’m the founder of Poly Home Loans and the Nesian Money Show, and an accredited mortgage broker with over 20 years of experience. Through my work, my passion is to help Pasifika families build strong financial foundations while honouring the values and heritage that make our community unique.

Meet the team

Our services

Our services are designed to provide comprehensive support for all your real estate or finance needs. Whether you’re a first-time homebuyer, looking to refinance, or an investor seeking to expand your portfolio, our experienced team is dedicated to finding the best options tailored to your unique situation.

  • First home buyer

  • Next home buyer

  • Refinancing

  • Investment loans

  • Construction loans

  • Commercial loans

  • Personal loans

  • Asset finance

  • SMSF lending

New to Australia? The dream of home ownership remains possible

Moving to a new country can feel overwhelming, but owning a home doesn’t have to be out of reach. With the right guidance and support, you can navigate Australia’s lending system, understand your options, and take confident steps toward a secure future for your family.

Help strengthen our community

Real stories, real results From Pasifika communities nationwide

Behind every home is a story of hard work, culture and community. Here’s how Pasifika families have achieved their goals with a little support from us along the way.

More case studies

From renting to owning

With Joe’s guidance, Kalati and Louisa went from rental stress to owning their first home and building multiple investments. Today they run an NDIS business and continue growing their family’s legacy with Poly’s support.

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First home at 21

A simple chat with Uncle Joe helped Josh and Zarah realise they were ready sooner than they thought. With clear guidance, they secured their first build in Perth and started their future years ahead of schedule.

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A family home restored

After losing their dad, Gideon and Dorothy felt stuck navigating titles and renovations. Joe stepped in with care, helping them rebuild the family home and create a fresh start for the whole household.

Read more

More than home loans, it’s about legacy.

At Poly Home Loans, “Poly” is more than a word. It comes from the idea of many islands,many people, one ocean. For us, it represents togetherness, family, and legacy. Families everywhere share the same hopes:

  • A safe home.
  • A future for our children.
  • The chance to build something lasting.

Because homeownership isn’t just about property. It’s about belonging.

Start your journey today

Start building the future you want for your family

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Talk to someone who understands your journey.

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