Your home loan,
made clear.
I help first home buyers, refinancers, and investors across Australia navigate the lending landscape clearly.
Loan solutions for every
stage of life
First Home Buyer
Navigate your first purchase with confidence. From grants to guarantees, I explain every step in plain language.
Submit enquiry →Refinance
Already have a home loan? Let's review whether your current loan is still competitive and identify possible opportunities to reduce repayments.
Submit enquiry →Property Investment
I help investors structure loans to support their property goals.
Submit enquiry →Low Doc Loans
Self-employed or with non-standard income? There are lenders who understand your situation.
Submit enquiry →Construction Loans
Building your dream home? Construction loans work differently—I'll guide you through every draw-down.
Submit enquiry →New to Australia
New migrants and PR holders welcome. I understand the unique challenges of buying property as a newcomer.
Submit enquiry →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 is what working with me actually looks like.
Start with a CallDiscovery Call
A relaxed 20-minute chat to discuss your goals.
Borrowing Assessment
I assess your borrowing power across 30+ lenders and identify suitable options for your situation.
Strategy & Options
I present 2–3 loan options clearly, explaining the trade-offs so you can make a confident decision.
Application and Lender Assessment
I handle the paperwork, liaise with lenders, and keep you updated every step of the way.
Settlement & Beyond
After settlement, I check in annually to ensure your loan still works for your evolving life.
Timing can affect repayment outcomes and borrowing costs.
Rate reset planning
Get ahead of fixed-rate expiry before repayments jump.
Borrowing power strategy
Careful application structuring may help reduce the risk of avoidable delays or issues.
Clear next step
Leave with one concrete action, not generic advice.
The broker who
explains, not just approves
I have been helping Australians navigate the mortgage market for over eight years. Before becoming a broker, I worked in banking so I know how lenders assess applications.
I came to Australia as an international student, and I understand what it is like to navigate a new financial system. That experience shaped how I work.
My goal is not just to get your loan approved. It is to make sure you understand what you are signing and why it suits your goals.
Evan Zhang is a Credit Advisor at Affiniti Finance, a Sydney-based finance brokerage.
Practical guides for
property decisions
Negative Gearing Changes: What Property Investors Need to Know
A practical cash flow guide to the proposed 2026 Budget negative gearing changes, including new builds, grandfathered established homes, and post-reform established purchases.
NSW Stamp Duty for First Home Buyers: What You May Not Need to Pay
A practical guide to NSW first home buyer transfer duty concessions, including the $800,000 exemption threshold and the phase-out up to $1 million.
Buying with a 5% Deposit: How the Australian Government Scheme Works
The 5% Deposit Scheme can help eligible first home buyers purchase sooner without Lenders Mortgage Insurance, but it is not free money or a shortcut around borrowing capacity.
First Home Buyer Cash-to-Complete: The Costs Beyond Your Deposit
Your deposit is only one part of the money needed to buy. Here is how to think about stamp duty, legal fees, inspections, loan costs, and moving buffer.
Common questions
honest answers
Send your enquiry
and get clear next steps
Primary path: submit the form. I usually respond within one business day with practical options for your scenario.
By submitting this form, you consent to being contacted about your enquiry. General information only, not personal financial advice.