
About us
With a commitment to personalised service and expert understanding, we are here to support you at each stage of your journey.
Here to assist you in discovering the right financial solutions
At Vera Home Loans, we understand that navigating financial options can be challenging. Our team is here to support you at every step, ensuring you have access to the right information and resources to make confident choices. We are dedicated to facilitating a smooth process, from initial consultations to finalising your loan. Our focus is on providing clarity and guidance tailored to your specific needs, ensuring that you feel empowered throughout your financial journey.
We aim to create an environment where you can feel secure and informed as you explore your options. By prioritising your needs and maintaining open lines of communication, we work diligently to foster a sense of trust and confidence. Together, we will build a roadmap to your financial goals, ensuring that you are well-equipped to make decisions that will benefit you in the long run.

Verushka Naidoo
Director / Mortgage Broker
Phone: 0410 186 559
Email: verushka@
Verushka (aka V or Aunty V), has been an experienced mortgage broker in Australia for almost two decades, founding Vera Home Loans to help clients navigate the complexities of property finance. Her expertise spans home lending, refinancing, investor finance, construction loans and more, where she has successfully supported first-home buyers, growing families and property investors in their financial journeys. Verushka’s commitment to clear communication and practical customer advocacy empowers clients to make informed decisions.
Rooted in the principles of Vera Home Loans, including truth (Vera), people empowerment (Amandla Ngawethu), and inclusiveness (Simunye), she focuses on building lasting relationships with her clients. Verushka is dedicated to helping them establish strong financial foundations, even in uncertain times, ensuring they feel supported and understood throughout the process.
Common questions and answers
Alongside our competitive rates, we are dedicated to assisting you with any inquiries throughout your loan’s duration. We welcome both first-time buyers and seasoned investors – regardless of your experience, we are here to support you whenever you require assistance.
What does a broker do?
A broker is a financial expert who collaborates with you individually to explore your borrowing objectives and assess how much you may be eligible to borrow. They generally offer a more customised service compared to lenders and have access to a variety of loan options, enabling them to identify the most suitable terms for your specific needs.
How much can I borrow?
While our borrowing calculator offers a useful estimate of how much you might qualify for, to gain a more accurate understanding, please reach out to our team. We can discuss your options and delve into your circumstances in greater detail.
Should I choose a fixed or variable rate?
As indicated by the name, variable-rate home loans have interest rates that fluctuate over time. These loans often provide more flexibility compared to others, featuring options like redraw facilities and additional payment capabilities. However, they do not guarantee fixed repayment amounts.
Conversely, fixed-rate home loans offer consistent monthly repayments, allowing you to know exactly how much you’ll pay each month throughout the loan term. While these loans may lack certain flexible features, they provide borrowers with peace of mind regarding their budgeting.
When deciding which loan type suits you best, consider what matters most to you—whether it’s flexibility or certainty in your monthly repayments.
Which lenders do you collaborate with?
Thanks to our partnership with a mortgage aggregator, we are able to access loan options from over 50 different lenders. This enables us to assist you in finding various suitable options tailored to your unique situation.
Our mortgage broking service areas in Sydney
Support across Sydney with lender access, home loan help and finance options tailored to our local community.