Meet the Team
Jack Kiryo is the founder and CEO of Australian Home Loan, where he leads with a focus on delivering exceptional mortgage solutions tailored to each client’s needs. With a strong understanding of the finance and lending sector, Jack is committed to guiding clients through the home loan process with transparency, efficiency, and professionalism. Recognised for his attention to detail and results-driven approach, Jack works closely with clients to secure competitive lending options while ensuring a seamless experience from start to finish. His dedication to building lasting relationships has made Australian Home Loan a trusted choice for home buyers and investors. Outside of his role, Jack maintains a strong interest in fitness and outdoor activities, explores new opportunities in property and business, and values quality time with family and friends.
At Australian Home Loan, our success comes from our people. Our brokers help Australians achieve homeownership and investment goals with expert advice, integrity, and a smooth, stress-free process.
Looking to buy your first home, refinance, or grow your property portfolio? Our team is here to guide you with personalised advice and solutions.
What We Do
We’re a team of experienced mortgage specialists who are passionate
about helping Australians find the right loan solutions.
We are neither owned nor a bank.
The bottom line is a bank's top priority. You are our employer.
The ability to negotiate
We give you power and choice because we have more lenders on our panel.
Family taking care of family
Our family-run company has assisted Australians in achieving their objectives.
Keeping it simple
We break it down for you – no jargon.
Free for you
We get paid by the lender you choose.
Make it happen
Let us know what your goals are and get loans.
Frequently Asked Questions
A payment deferral—sometimes called a mortgage holiday—allows you to temporarily pause loan repayments. While your payments are deferred, interest continues to accrue and is added to your balance. When repayments resume, your monthly amount may increase to repay within the original term as lenders may capitalize that accrued interest.
If repayments are deferred, interest still accrues and is added to your principal balance. Effectively, you’re paying interest on interest (compound interest), and when repayments resume, your lender recalculates future payments to align with the original loan duration—often increasing monthly repayments.
To request assistance, contact us as soon as you're experiencing financial stress. We’ll assess your situation, guide you through deferral options or term changes, and liaise directly with lenders on your behalf. With access to 60+ lenders, we aim to find support that suits your needs.
Refinancing can help you secure lower interest rates, consolidate debt, unlock home equity, or upgrade to loan features better suited for your needs. Whether you’re looking to save, switch loan types, or fund a renovation, refinancing offers versatile solutions.
From application to settlement, the average timeframe is 2 to 4 weeks. The exact period depends on your current lender, the new lender’s processing timeline, and how quickly documentation is provided. We manage the process to keep it running smoothly.
