Independent. Fee-free. Built around you — not the bank.
Born in Nepal, I completed my BBA in India, then worked at a bank there before moving to Sydney for my MBA, three countries, three banking systems, and one constant goal: building a life, and eventually a home, of my own. After finishing my MBA, I came to Adelaide, where I was navigating a new city and that same goal: owning my first home.
I bought that first home right as I started my career as a Credit Officer at a mortgage broking company. Standing in the shoes of a first-home buyer while learning exactly how lenders assess applications was a turning point. I felt the same mix of excitement and stress every client feels waiting on approval — and I realised behind every application is a real person, a family, and a future.
That's the lens I still bring to every client today, having grown from Credit Officer to Lending Strategist.
From Credit Officer to Lending Strategist
Working inside a mortgage broking business from the credit side taught me the criteria lenders actually use, how serviceability is really calculated, and what makes an application get approved fast versus stall. That grounding, combined with earlier experience at a bank in India, shaped how I advocate for the borrower, not the bank.
Along the way I noticed a gap: too many brokers treat lending as a one-off transaction. Match the client to a rate, done. I wanted to build something different.
Why I Started Credoleap Finance
Credoleap exists to offer strategy, not just settlement. Every financial situation is different, and finding the right structure means understanding your long-term goals, not just today's rate.
I work with clients across:
First-Home Guidance — grants, paperwork, and loan structuring to get you into the market with clarity
Refinancing — reviewing and restructuring existing loans to fit your current needs
Strategic Property Investment — loan structures built to support a sustainable portfolio over time
Bridging Finance — buying your next home before selling your current one, made as seamless as possible
And it costs you nothing — Credoleap is a fee-free service to borrowers, covering the whole of South Australia.
A PERSONAL APPROACH
Client-Centric Dedication
We act strictly in your best interests, looking past standard bank products to loan structures that support your long-term wealth.
Absolute Transparency
No jargon, no surprises. You'll know lender fees, rates, and timelines before you commit to anything.
Strategic Thinking
We assess your full financial picture and match it to lenders whose criteria genuinely fit your goals, not the other way around.
Local, in Your Language
Adelaide-based, and fluent in Nepali and Hindi, proud to guide South Australia's Nepali and Hindi-speaking community through the home loan process in their own language.
Because your mortgage deserves a strategy, not just a settlement.
"My goal is to masterfully navigate the banking system on your behalf, crafting a clear framework that protects your lifestyle and maximises your wealth potential. Let's design your path forward together."
— Rajesh Rauniyar, Director & Principal Lending Strategist