Blog | By: activemortgage

Refinance Loan vs Top-Up Loan | Which One is Better?

Replacing your current loan with a new one is usually a refinance loan to get a lower interest rate or better terms. The main aim is to lower your monthly payments, change how long you’ll pay, or switch to a different interest rate. While it can save you money over time, there might be extra […]

Active Mortgage & Finance

5.0

Based on 109 reviews

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Sd Rana

11:15 13 Oct 26

Vijay Rana Magar

11:10 13 Oct 26

Sabina Thapa magar

00:05 07 Oct 26

Very nice service.

Tashita Gurung

06:30 15 Jul 26

Dinesh Gurung

08:05 26 Jun 26

Lek is very professionl in his job and extremely experienced.Also very knowledgeable and more importantly very helpful.

Viddhya Chhetri

22:34 09 Mar 26

Very good cool job high recommend everything one very quick everything Lekh daiThanku so much really appreciate

Asmita Gurung

05:15 17 Feb 26

Excellent service 😊i will always be grateful towards lekh brother for the assistance and guidance he had showed me throughout this journey. I really appreciate your support lekh brother 😊 Thank you so much dai😊

Manshi Panth

05:49 03 Feb 26

Lekha is extremely helpful and guided me through the process step by step when applying for home loan. He is very friendly and approachable.

Prem Gurung

08:34 02 Feb 26

Awesome customer service of team , great job. Well done

Sanjeeb Kumar Thapa

15:15 21 Jan 26

I had a very good experience dealing with Lekh dai and the team since last 3 and a half years for 2 of my properties. The support and guidance throughout this period has been really helpful. Definitely recommend anyone for his service

seral Magar

04:51 16 Jan 26

It has been very smooth busniess with Active Mprtgage. Will come in future too

Mamata Gurung

22:09 16 Dec 25

Naja Tamu

19:39 16 Dec 25

The best and hassle free place you could ever imagine of ...especially if you are a first home buyer..Lekha have a very good knowledge of the industry.So much thankful to have him beside us and mr Lekha Gurung for his support and guidence throughout the process.Love and regards

Sunam KC

20:37 25 Nov 25

I’ve worked with Lekh Dai before, and once again he delivered an excellent experience. He is professional, helpful, and always quick to respond. The process was smooth and stress-free, just like last time.Highly recommend him!Thank you Dai

Subikhsya Kunwar

07:37 19 Nov 25

Lekha dai and active mortgage Made the Process of buying home so easyWorking with active mortgage was one of the best decisions we made during our first home-buying journey. From the very beginning, they were knowledgeable, patient, and incredibly responsive. They took the time to explain every option, walked us through the numbers in a way that made sense, and helped us secure a fantastic rate that fit our budget.What truly set active mortgage apart was their dedication and clear communication. They kept us updated at every stage, handled all the details behind the scenes, and made what could have been a stressful process feel smooth and manageable. We always felt supported and confident knowing they were working in our best interest.Thanks to Lekha gurung dai, we were able to move into our new home without any surprises or delays. We couldn’t be more grateful for their expertise and professionalism.Highly recommend Active mortgage to anyone looking for a trustworthy and top-notch mortgage broker!

Annie Jutee

08:49 12 Nov 25

I'm happy with your service ☺️

Rossan Adhikari

10:17 10 Nov 25

We recently used the service of Lekha from Active Mortgage to purchase our investment propery. Lekha and his team made the whole process incredibly smooth and stress-free. Lekha was professional, responsive, and took the time to explain every detail clearly. Lekha went above and beyond even linking us with a solicitor. Lekha's guidance helped me secure a great loan option that suited my situation perfectly. I truly felt supported from start to finish. I Highly recommend Lekha and Active Mortgage team to anyone looking for a reliable and efficient mortgage broker!Thank you Lekha and Active Mortgage Team.

jyoti sitoula

11:02 20 Oct 25

Great experience. Satisfied.

Mamata Dahal

11:05 29 Sep 25

Mamata Napit

09:27 10 Sep 25

Had a wonderful experience dealing with active mortgage and finance team. All the members were very professional, cooperative and very helpful. Easy to approach, very comfortable to talk with and very flexible team. The most amazing thing is we can contact anytime if we have got issue and would like to talk with team. Team will assist you in right direction. Explained everything in details regarding our concerns and queries in a very simple way. Strongly recommend everyone to contact active mortgage and finance if you are looking forward to buy a house.Thank you so much for everything !!

Rojina Shrestha

05:51 04 Sep 25

Been seeking Lekha Ji and Active Mortgage’s assistance in purchasing home, refinancing and purchasing investment property since 2021 and it’s been nothing but absolute smooth experience everytime. He is professional, knowledgeable and very approachable and a kind human being. I highly recommend his service.

Ravi Thapa

22:59 14 Aug 25

We bought our first property back in 2017, and Lekha was a huge help in securing our home loan. More recently, he helped us purchase an investment property by leveraging the equity from that first property. He guided us through every step of the process and made it feel smooth and manageable. Lekha is prompt, trustworthy, and genuinely committed to helping you reach your financial goals. Thank you Active Mortgage team… Highly recommend

Khusbu Ghale Gurung

04:01 05 Aug 25

Would highly recommend to family, friends and anyone looking for a smooth and trustworthy mortgage experience. Thank you Lekh dai and Active Mortgage Team :).

Sanjog Bhandari

05:00 16 Jul 25

Thanks to lekha gurung , its was great to have you on home buying journey . love your work . it was not possible without you. Your advise and support help us to secure home🙏🙏🙏

jibi ale

12:07 23 Jun 25

Priti Tamang

08:06 12 Jun 25

It has always been an amazing experience with Active mortgage team. From guiding to buy our first home to assisting us for our investment property, the whole process has been hassle free and stress free. Special thanks to Lekha dai for being a mentor and always being approchable at all times. Highly recommended.

Sunam Ghising

07:52 12 Jun 25

Active mortgage team helped us with both our first and second home and made the process smooth and stress-free each time. Super knowledgeable, professional, responsive, and easy to work with. Highly recommend!

Nita Chhabhadia

03:45 27 May 25

We’ve been working with Lekha from Active Mortgage since 2017 and have used his services multiple times for both purchasing properties and refinancing existing loans. He is always friendly, kind, and approachable, and makes the entire process so much less stressful.Lekha has consistently gone above and beyond, navigating a few hurdles along the way to ensure our loans were approved. His communication is always prompt, clear, and professional, and he truly takes the time to find the best deals on interest rates.We highly recommend Lekha and the team at Active Mortgage. If you're looking for someone trustworthy who genuinely cares about your financial outcomes, you’re in great hands.

S D

06:27 16 May 25

pranali ghumatkar

01:26 20 Mar 25

Sushma Gautam

11:16 18 Mar 25

Thankyou Active mortgage and Finance Pty Ltd. I highly recommend to anyone seeking mortgage and financial services.Customer service is amazing, truely go above and beyond to help their clients.

roshni limbu

04:19 10 Mar 25

Very fast , reliable service and very professional. We are very grateful. Thank you

Manaharie KKC

02:18 09 Mar 25

Anything I say or mention will not be enough to describe Lekha dai. He is one of the most humble and genuine person I have met. I feel very lucky to have found such a great mortgage broker.He goes above and beyond to help his clients and is always honest. Anyone looking for someone trustworthy and easy to work with, Lekha Dai is your guy!

Krooss Grg

08:19 06 Mar 25

Highly recommended especially for new home owners. Lekh Dai been amazing throughout the process. Always there when needed.

Irene Saula Domingo

05:06 18 Feb 25

5 Star for Mr. Lekha and his team. We have been to many brokers and they were not able to help us in getting for our First Home because we've got kids. Until my friend recommended this agency. They helped me from scratch until we finally settled our property. Lekha was so accommodating and he explained to me everything which is a good thing for a first time home buyers like me. Even though he was on a holiday in a cruise, he was still able to communicate me as he always valued his clients. I definitely, recommend this agency, IF OTHER BROKERS CAN'T HELP YOU WELL THIS BROKER CAN!!! God bless Active Mortgage & Finance Pty Ltd.

Priti Kharel

07:15 12 Feb 25

Lekha dai is an excellent mortgage broker. He made the entire mortgage process smooth and stress-free. His expertise, clear communication, and personalised approach helped me secure the best deal. Highly recommend his services for anyone seeking a reliable and knowledgeable mortgage broker.

Kiranjit Kaur Khangura

06:32 20 Jan 25

It has been pleasure working with Lekh..you have helped us in a situation where it was very hard for us..and we got out very first home today.. I humbly thank you enough for your help. You have been a great help and will recommend you to all my friends and family members..

suman ghale

12:34 20 Dec 24

Rabindra Bhandari

03:08 28 Nov 24

Abb Rumbel

22:41 31 Oct 24

Wade Crawford was great in helping me become pre approved for the first home buyers grant! Highly recommend!

sabbir shah

06:12 11 Oct 24

Active mortgage and finance is best in town. I have been taking service from active motgage since 2019. He will not only apply for your loan but also guide you through all the process and give you all the advices for your best interest.

Sandra Yousheyah

02:13 25 Sep 24

Highly recommended! Efficient, easy to correspond with and provided excellent service.

Deepti

08:37 23 Sep 24

Thank you Lekha Dai for your help in our house buying journey & we couldn’t be more grateful or excited about this milestone. You have done such a fabulous job. It’s truely been a pleasure

MEENA THAPA

21:31 18 Sep 24

We are thrilled to recommend Lekh Gurung and the exceptional team at Active Mortgage. Lekh's professionalism, engaging approach, and friendly demeanor made the entire process seamless and comforting. His clear instructions and expert guidance exceeded our expectations. We are extremely satisfied with the service and highly recommend Active Mortgage to anyone seeking reliable and expert financial guidance. Thank you, Lekh and Active Mortgage! Sincerely, Raj & Meena

bijaya rumba

06:32 26 Aug 24

Great service with customised care. Lekha is always available and ensures you understand the process. Very professional, we highly recommend this service.

Harry Regmi

00:51 16 Aug 24

I found Active Mortgage team are very professional and a pleasure to work with them. It's a really wonderful for me with Lekh Dai, he is very nice and helpful person to everyone. Thank you for your help Dai.

Sumitra Gurung

05:58 13 Aug 24

Very happy for your service . I highly recommend active mortgage as the team is very supportive and specially thanks to Lekh Dai for your guidance . Would rate 5/5 for their hard work and support.

Raju Gnawali

03:37 29 Jul 24

Dai is very humble and answerable at any time even out of Service hours, always reachable and easy answers of complex problems. I really appreciate the service that he offers without any hassles.

Shree Gurung

07:48 26 Jul 24

Namste !Lekh Sir from Active Mortgage & Finance is very helpfull and great person, through out our first home buyer process he guide us very nicely,Thankyou Lekh DaiI will recomend anyone need help for Mortgage or Finance please do not hesited to contact himHe is an Humble person 🙏 Super 👌

Niraj R Shakya

12:16 24 Jul 24

Absolutely excellent service provided by the team. Very professional and helpful with the process involved . Lekh dai has been a one stop shop for me for every correspondence involved. A very big thank you to the whole team involved in providing me with my financial needs. Can't thank enough. Just legends. Respect 🙏 highly recommended.

Binaya Sharma

07:46 05 Jul 24

I was really impressed by the service provided by Active Mortgage team especially Lekh Dai.. As a 1st home buyer I had lots of silly questions for him🫣🫣. Lekh Dai was just a call away to explain all my queries.. He was so humble, approachable, polite and very professional. I highly recommend Active mortgage to all the people out there..

Sharin Ha

07:07 02 Jul 24

I cannot recommend Lekha Gurunghighly enough for his outstanding service and expertise in real estate transactions. Working with him was an absolute pleasure from start to finish. Throughout the home buying process Lekha Gurung was incredibly proactive and responsive.Lekha Gurung Was always available to answer our questions and address any concerns promptly, which made the entire experience stress-free.Thanks to Lekha Gurung and his team. Their commitment to client satisfaction and their personalized approach truly set them apart.If you're searching for a reliable and knowledgeable home broker who will prioritize your needs and guide you through the real estate journey with ease, look no further thanLekha Gurung. We incredibly grateful for their assistance and wouldn't hesitate to recommend them to anyone looking to buy a home.Your Sincerely,Hamza

Sangita Gurung

08:11 06 Jun 24

Very good guidance throughout the lots of ups and downs in our first home buying journey,he was always a step ahead. Brilliant in problem solving best person in sydney for home loan. Very friendly person.

shadrach's Toyss

02:09 16 Apr 24

Very great

Dilip Sharma

01:17 18 Mar 24

Businessnextgen

07:50 11 Feb 24

As someone who recently went through the process of buying a home, I highly recommend Lekha as a mortgage broker. Throughout my journey, he demonstrated an unparalleled level of expertise and professionalism that truly set him apart. From our initial consultation to the finalization of my mortgage arrangements, Lekha was there every step of the way, providing personalized guidance tailored to my unique needs and concerns.What truly impressed me about Lekha was his unwavering commitment to my success. He didn't just facilitate the mortgage process; he served as a trusted advisor and companion, offering support and guidance whenever I needed it most. His genuine care for my well-being and satisfaction was evident in every interaction, earning my heartfelt appreciation and respect.Thanks to Lekha's dedication and expertise, what could have been a daunting and stressful experience turned into a seamless and rewarding journey towards homeownership. If you're in need of a mortgage broker who truly cares about your success, look no further than Lekha. I can confidently say that with him by your side, you'll be in the best possible hands.

Md Rahman

06:52 06 Feb 24

I came to know about Active Mortgage from my neighbour and called them to help me with my refinancing. The strategy Lekha and team adopted was to value our properties through a number of bank before applying to protect our credit rating while serving our purpose of getting maximum equity out of our newly purchased property. The communication of the team was superb throughout the entire process.I will highly recommend Active Mortgage as your mortgage solution and I am confident the team will not let you down.

Aswin Adhikari

03:36 02 Feb 24

Best service you could ever imagine. Outstanding results and great guidance throughout the journey.Thank you lekha dai and team

Pushpa Gurung

19:54 29 Jan 24

Excellent services, good team work, understanding customer value and goals Lekhji is no one in this scenario

Purna Gurung

02:03 19 Jan 24

I am very lucky to have a Lekha Dai as my morgage broker. He helps me in every steps of my concerns. He is a great person who navigate me the first home buyer provisions available and provided us with the product we were after. Highly recommend. A great service.Purna

kiran roka

17:59 12 Jan 24

Amazing service!! If I could give 6 stars I would.Service goes above and beyond and so helpful with any questions we have asked.I highly recommend

Pri

01:15 28 Nov 23

Undoubtedly the best mortgage broker in town. We bought our first property with the help of Lekha Dai, he is extremely knowledgeable and goes above and beyond in assisting his clients. We are extremely grateful to him and his team!!

anju gautam

05:09 16 Nov 23

Joanne reyna ragasa

07:49 02 Nov 23

Pradip Pandey

05:15 31 Oct 23

I've been using Active Mortgage & Finance for few years now and they have always guided me on a right track. Mr. Lekha is very professional and think beyond to help you. Highly recommend to everyone.

Maria Fernandez

05:32 26 Sep 23

I would highly recommend this broke as they are very fast and reliable. They’ve done a very excellent job when we bought our property. Many thanks to our broker Lekha Gurung. We are looking forward doing business with you in the future.

Gurkhali Pal

05:09 31 Jul 23

Poonam Ranabhat

11:26 01 Jun 23

Pasang Tamang

08:34 23 May 23

Lekh dai has immense knowledge of the mortgage industry and my family would refer him to ANYONE. Fast, responsive, reliable. Better than ANYONE else in the mortgage broker market. Doesn’t even compare! Go with Lekh dai !!

Kate Robbinson

06:30 28 Apr 23

01:47 25 Apr 23

I am very happy to work with Active Mortgage and Lekh dai in regards to home loan and house purchasing process. I was given good advised, my all quires were answered with the way I would understand . All the communication was prompt on time . I wish all the best for team and I am sure there are many more happy customer like me .

Marguerite Jeanson

11:04 14 Apr 23

very good ! thank you

shreeram thapa

05:21 11 Apr 23

Very good 👍. Recommend to everyone

Sarmila Dahal

07:42 03 Apr 23

Rinkey Patidar

04:27 01 Feb 23

Dikshya Oli

20:09 18 Jan 23

Highly recommend Active Mortgage and Finance. Lekha dai and his team has gone above and beyond to help us get home loan multiple times even during complicated circumstances. He does a great assessment before applying so there are less or no chances of rejection. He handles each case with a lot of care and attention. We were also lucky to fix our loan for four years on the lowest interest rate in Australian history on his advice.We are extremely grateful for your services.

Rita Gurung Thapa

12:49 18 Jan 23

We really appreciate everything that you have done for us Lekha dai for our home loan. I recommend your services with both pleasure & confidence in your ability to find the best possible outcome & that's what I tell everyone I speak with. Thank you 🙏🏻

Sagar Simkhada

07:31 18 Jan 23

Premta Sah

00:46 28 Dec 22

shan chhetri

05:48 16 Dec 22

Lekh Ji & Team are very realiable ,experience Mortgage advisor in town .Our couples of loan process with him was very smooth , proficient and timely manner .We strongly recommend to take advantage of his service for your new loan or Refinance .Sudarshan Rayamajhi Chhetri

nurina

10:04 07 Dec 22

Extremely reliable and trustworthy. It was such a seamless process. Thankyou so much. 🙏

deepa kumari Pun Rontija

09:12 06 Dec 22

We were on the hunt of our dream home and went to couple of financial advisors and mortgage brokers but could not get decent answer then we approach to Mr. Lekh Gurung (Active Mortgage & Finance) who helped us very genuinely to make our dream home come true not only that he also helped us to refinance to a major bank without any hassle. His prompt advise and help throughout the process was very professional and amazing.We were so happy to find Lekh Gurung as he made the whole lending process so simple. His honesty from the start helped us understand everything. His easy going and friendly nature made us feel very comfortable and we owe it all to him because now we have our family home thanks to Lekh’s efforts.We can easily say that his service, knowledge, expertise and genuine time is first class. Highly recommend Active Mortgage & Finance and can confidently say that he exceeded our expectations........

Suraj Jung

21:18 05 Dec 22

We are very thankful for Active Mortgage & Finance. From start to finish Lekha and his team made our journey very easy/smooth/hassle free and on time. The team were very responsive even in the odd hours. The ownership and work ethic of the team were above and beyond. 100% recommended.

Lata Dhungana

04:35 05 Dec 22

Nirmal Dhungana

01:33 16 Oct 22

Fantastic service, Indepth advice and prompt response by the team. They deserve more than 5 star but unfortunately there is none.

Ashish Maharjan

01:50 13 Oct 22

Lekh Gurung being very professional and knowledgeable provided great assistance and advice along our loan journey.

sangita pokhrel

07:13 21 Sep 22

Sunam Kc

05:50 10 Sep 22

neelam gurung

01:19 30 Aug 22

I did my home loan from active mortgage, and according to my experience, the service I received was terrific. I highly recommend it . 5 stars

Subash Pokhrel

10:08 29 Aug 22

Dev Gurung

07:51 23 Aug 22

Sapana

04:54 26 Jul 22

Highly recommended. Lek dai is very professional and very patient with all our queries.

yadu chamlagai

06:27 21 Jul 22

Highly greatful for your help and support on our stressful time. All thanks to Lekha Dai and Active Mortgage team. We really appreciate your invaluable help to settle our home loan. Thank you so much!!!

23:13 06 Jan 22

Wonderful team to deal with. Has been dealing with Lekha for last 7 years. No issues whatsoever. Excellent and timely advice. No dramas. One of the best Mortgage brokers in Sydney.

Basant K C

03:31 04 Jan 22

Lekh Daju is a true gem in the mortage industry. My dream of having first home in Australia was made easier by Lekh Daju.Thank you so much Daju for being there and helping me in each and every steps until the final handover time.I would really like to appreciate the effort that you have placed together and deligence and knowledge you have showered to help me . I wish to see you soon in future for any of my mortgage and finance requirement.

Prabin Adhikari

05:46 05 Dec 19

Best and very trustful Mortgage and Financial Broker in town is " Active Mortgage & Finance".I would like to say Thank you to Mr. Lekh Gurung.

Rajat Shrestha

12:43 29 Nov 19

Best in the business without a doubt...

Sagar Thapa

09:55 29 Nov 19

⭐⭐⭐⭐⭐ Great service, communication and transparency. Highly recommended! Thank you for making our dream home come true!

Sueda Saturno

09:30 29 Nov 19

Lekha (the CEO) is a heaven sent for us. He exactly knows what to do with any case (complicated or not) and he has this genuine interest to help his clients. He's very professional and and top of his game. My family and I are very thankful to him for doing everything he can to help us get our home loan approval. He really is the best.

Ranjit Sah

03:18 29 Nov 19

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Refinance Loan vs Top-Up Loan | Which One is Better?

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