English · فارسی Farsi · دری Dari
A mortgage broker you can talk to in Farsi
Shaheera speaks Dari, the Afghan variety of Persian. Iranian clients understand her perfectly and she understands them — it is the same language, spoken a little differently. She spent more than twenty years inside Australian banking before starting Exceed Finance, and she will go through the whole thing with you in Farsi if you would rather not do it in English.
Being straight with you
Shaheera is Afghan, and that is worth saying up front
She is not Iranian, and there is no point pretending otherwise. What is true is that Dari and Farsi are two varieties of one language. An Iranian and an Afghan can sit down and talk without effort. A few everyday words differ and the accent is different, roughly the way Australian and Irish English differ, and none of it gets in the way of explaining what an offset account does or why a lender wants three months of statements.
Most of the families we have helped into homes are Afghan, and Iranian clients who have come to her have had no difficulty at all. If you would rather test that before committing to anything, ring her. The call is free and there is no obligation either way.
Why it matters
Nobody should be buying a home through a translator
Plenty of people handle everyday English perfectly well and still find a loan contract hard going. Offset, redraw, lenders mortgage insurance, comparison rate, cross-collateralisation — these are not everyday words in any language. Having a family member interpret works until the moment a question needs a real answer, and then it quietly stops working.
This is the largest financial decision most people make. It should be made in the language you think in.
What we see a lot
Situations that come up for Iranian clients
Visa status
Partner, skilled and student visas each get read differently by each lender. Some lend to temporary residents, most want a larger deposit. We check before you apply.
Overseas income
A few lenders accept certain foreign income, at a discount and in limited currencies. It has to be structured properly from the start.
Gifted deposits
Family help with a deposit is common and most lenders accept it with a letter. The letter has to say the right things.
Thin credit file
Arriving recently means little Australian credit history. That is not a barrier by itself, but it does change which lenders to approach first.
Start to finish
How it works from anywhere in Australia
Free chat
Phone or video, in English or Farsi. We work out your goals and what you can actually borrow.
We compare
We search 35+ lenders and shortlist the ones that fit your situation and your visa.
We apply
Documents come in by secure upload. We package and submit it, and chase it for you.
Settlement
We see it through to approval, and stay in touch afterwards.
Common questions
Questions we get asked a lot
Is there a Farsi speaking mortgage broker in Australia?
Yes. Shaheera at Exceed Finance speaks Dari, which is the Afghan variety of Persian, and Iranian clients find the two understand each other without any trouble. We are based in Melbourne and licensed to work with clients anywhere in Australia, so the whole loan process can be done by phone, video and secure upload.
Is Dari the same as Farsi?
They are two varieties of the same language. An Iranian speaking Farsi and an Afghan speaking Dari can hold a normal conversation. Some everyday words and the accent differ, the way Australian and Irish English differ, but nothing that gets in the way of explaining a loan contract. Shaheera is Afghan and speaks Dari, and Iranian clients have no difficulty following her.
Can I get a home loan in Australia on a partner or skilled visa?
Often yes. Some lenders lend to temporary residents, usually with a larger deposit, and the rules differ from lender to lender. Permanent residents and citizens are treated the same as anyone else. We check which lenders suit your visa before you apply anywhere, because a knock-back leaves a mark on your credit file.
Do I need Foreign Investment Review Board approval?
It depends on your visa and what you are buying, not on where you were born. Permanent residents and citizens generally do not need FIRB approval. Temporary residents often do. We work out which applies to you and point you to the right process before you make an offer.
Can you use income from overseas or from family?
Sometimes. A handful of lenders accept certain foreign income, usually at a discount and in a limited set of currencies. Gifted deposits from family are common and most lenders accept them with a letter. Both need to be structured properly from the start, which is the sort of thing to get right the first time rather than unpick later.
What does it cost to use Exceed Finance?
Our service is free to you. We are paid a commission by the lender if and when your loan settles, and we tell you what that is. You are not charged a fee for the advice or the application work.
Have the conversation in your own language
Tell us where you are up to and we will tell you honestly where you stand. Free, and no obligation either way.