Mortgage & Finance Brokers
From a first home to a new commercial premises — we compare lenders, structure the numbers and run the paperwork, so you're signing at settlement, not chasing it.
We compare across 100+ lenders to find your best fit ↓
What we arrange
One broker, one application process, access to a panel of bank and non-bank lenders — whether you're buying your first home or financing your next piece of equipment.
We compare lenders against your goals — rate, features, or flexibility — and manage the application from pre-approval through to settlement.
Talk about a home loan →Commercial lending runs on different rules to residential. We package your financials the way credit teams want to see them, and negotiate terms that suit how your business operates.
Talk about commercial finance →From a single vehicle to a full fleet, we structure the finance around how the asset will be used — and what makes sense at tax time.
Talk about asset finance →Run the numbers
Start with an estimate, then book a free assessment for the exact figures a lender would actually use.
Estimate only, based on a standard amortising loan and the rate you enter. Excludes fees, offset accounts, redraw and rate changes over the life of the loan.
Enter your current savings to see your LVR and whether LMI applies.
LMI applies when your deposit is less than 20% (LVR above 80%). LMI protects the lender, not you — its cost varies by lender and LVR. Some lenders offer LMI waivers for certain professions.
*Property value plus estimated duty. Excludes legal fees, lender fees and other settlement costs.
Assessed at 80% to allow for lender shading on variable income.
Car loans, personal loans, HECS/HELP, BNPL etc.
Suggested for your household: $2,200 —
Simplified indicative estimate using a standard income/expense model plus a serviceability buffer. Your actual capacity depends on lender policy, credit history and a full assessment.
How it works
The same five steps whether it's a first home, a refinance, or a piece of equipment for the business — just with different paperwork.
Step 1
A free, no-obligation chat about what you're trying to achieve and what's realistic.
Step 2
We review your position and gather what lenders will need — minimal back-and-forth, maximum clarity.
Step 3
We compare suitable options across our panel and recommend the structure that fits your goals.
Step 4
We lodge, chase, and manage the lender on your behalf through to formal approval.
Step 5
We coordinate to settlement, then review your loan periodically to make sure it still fits.
Why ZAL Fin
Banks sell their own products. We work for you — comparing options across a panel of lenders and structuring the loan around your situation, not the other way around.
Access to a panel of bank and non-bank lenders, so you're seeing options beyond the branch closest to you.
From application to settlement and beyond, you deal with one broker who knows your file — not a call centre queue.
In most cases we're paid by the lender, not by you — ask us for the specifics on your scenario upfront.
We review your loan periodically so it keeps pace with your situation and the market — not just at settlement.
With 15 years of banking experience across all four major banks in Australia and New Zealand, Zac brings deep industry insight and a thorough understanding of lending policy to every client interaction. CPA qualified, Zac is committed to delivering tailored finance solutions backed by genuine expertise and a strong network built over more than a decade in the industry.
Get in touch
Tell us a little about what you're looking to finance and we'll come back to you within one business day.
