Your home loan,
made clear.

I help first home buyers, refinancers, and investors across Australia navigate the lending landscape—calmly, clearly, and without the jargon.

200+
Clients Helped
30+
Lenders Compared
$0
Broker Fees
EZ
Hi, I'm Evan
Mortgage Broker &
Finance Strategist

Based in Sydney. Working with clients from Darwin to Hobart—via video call, no stress.

MFAA MemberACL HolderBest Interest Duty

Loan solutions for every
stage of life

Most Popular
🏡

First Home Buyer

Navigate your first purchase with confidence. From grants to guarantees, I explain every step in plain language.

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🔄

Refinance

Already have a home loan? Let's check if you're on the best rate—and find out what you could save.

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📈

Property Investment

Grow your portfolio strategically. I help investors structure loans for long-term wealth building.

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📋

Low Doc Loans

Self-employed or with non-standard income? There are lenders who understand your situation.

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🏗️

Construction Loans

Building your dream home? Construction loans work differently—I'll guide you through every draw-down.

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Specialist
🌏

New to Australia

New migrants and PR holders welcome. I understand the unique challenges of buying property as a newcomer.

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General Information Disclaimer: The information on this page is general in nature and does not constitute financial or credit advice. Your individual circumstances may vary. Please contact me to discuss your specific situation.

From first chat to
settlement & beyond

I believe great outcomes come from clear communication at every step. Here's what working with me actually looks like.

Start with a Call
01

Discovery Call

A relaxed 20-minute chat. You share your goals; I listen. No pressure, no obligations.

02

Borrowing Assessment

I assess your borrowing power across 30+ lenders and identify the best-fit options for your situation.

03

Strategy & Options

I present 2–3 loan options clearly, explaining the trade-offs so you can make a confident decision.

04

Application & Approval

I handle the paperwork, liaise with lenders, and keep you updated every step of the way.

05

Settlement & Beyond

After settlement, I check in annually to ensure your loan still works for your evolving life.

More than mortgages—
resources for life in Australia

A curated set of tools and guides to help you with both your property journey and making the most of living in Australia.

✈️
External Tool

Qantas Points Flights

Search reward seat availability across Qantas and partner airlines. Find that business class seat before someone else does.

Search Award Flights →
💳
Free Resource

Points Maximiser Guide

My curated guide on which credit cards earn points fastest in Australia—and how to use them wisely alongside your mortgage.

Read the Guide →
🧮
Free Tool

Borrowing Power Calculator

A quick estimate of your borrowing capacity. Not financial advice—but a useful starting point before our call.

Check Your Power →
📑
Free Download

Home Loan Checklist

Download my free PDF: exactly what documents you'll need for a mortgage application, explained in plain English.

Download PDF →
✈️ Qantas Points & Flight Rewards

Find reward seat availability
before it disappears

Qantas Classic Flight Rewards can be hard to find. I use tools like FlightSeats and expert timing to help clients who want to turn their everyday spending—and yes, sometimes their offset account discipline—into incredible travel experiences.

Real outcomes,
real people

As a first home buyer, I was completely lost. He explained everything clearly and got us a rate I didn't think we'd qualify for. Settlement felt almost effortless.

SM
Sarah M.
First Home Buyer, Parramatta

We refinanced after our fixed rate expired and saved over $400/month. He found us a lender we'd never heard of—and the whole process took two weeks.

DK
David & Priya K.
Refinance, Chatswood

As a newly arrived PR holder, I didn't think getting a mortgage was even possible. He knew exactly which lenders to approach. We're now homeowners.

WL
Wei L.
New Migrant Buyer, Burwood

* Client details shared with permission. Some identifying details may be anonymised.

EZ
Evan Zhang
Mortgage Broker
& Finance Strategist
SydneyMFAA Member8+ YearsACL Holder

The broker who
explains, not just approves

I've been helping Australians navigate the mortgage market for over eight years. Before becoming a broker, I worked in banking—so I know how lenders think, what they look for, and which ones treat clients well.

I came to Australia as an international student, and I understand what it's like to navigate a new financial system. That experience shaped how I work: I never assume clients know the jargon, and I never rush a conversation.

My goal isn't just to get your loan approved. It's to make sure you understand what you're signing, why it suits you, and what your options will be in two, five, and ten years.

Values
Transparency, patience, long-term thinking
Approach
Education first, then action
Outside work
Travel hacking, weekend hiking

Practical guides for
property & life in Australia

All Articles
First Home Buyers

What the First Home Guarantee Actually Means for Sydney Buyers

The FHBG lets eligible buyers purchase with just 5% deposit—no LMI. Here's what you need to qualify and what the price caps mean for Sydney.

Feb 2025 · 4 min read
Read →
Points & Travel

How I Flew Business Class to Tokyo Using Points—and What I Learned

A practical walkthrough of award seat searching, partner airlines, and timing your booking for the best availability.

Jan 2025 · 6 min read
Read →
Investment

Interest-Only vs Principal & Interest: Which Is Right for Investors?

The maths, the tax implications, and when each structure makes strategic sense for Australian property investors.

Dec 2024 · 5 min read
Read →

Common questions,
honest answers

Let's talk about
your goals

No commitment. No jargon. Just a calm conversation about where you're at and what's possible. I work with clients across Australia via video call.

📞
Book a 20-min Discovery Call
Via Calendly or email
📧
evan@evanzhang.com.au
I respond within 1 business day
📍
Based in Sydney, NSW
Available Australia-wide

By submitting this form, you consent to being contacted about your enquiry. I will not share your information with third parties. This form does not constitute financial advice.