Your loan deserves
a better deal.
We spent years inside Australia’s major banks.
Now we work exclusively for you.
Lending built around your life
Strategic lending advice that works for you. If what you need isn’t listed, reach out — we’ll find a way.
Personal Lending
First home and next home solutions with smart structures for cash flow and flexibility.
Lower rates, cleaner setups and offsets that actually pull their weight.
Portfolio friendly strategies across P&I and interest only, with future moves in mind.
Progress payment lending and buffers so your build stays on track.
Fit for purpose use of your home equity for investing, holidays or vehicle upgrades.
Loan splits, offsets, debt recycling and consolidation tuned to your goals.
New and used vehicles with competitive rates and fast approvals.
Commercial Lending
Retail, office and industrial properties structured for yield and long-term growth.
Working capital, expansion and acquisition finance tailored to your trading position.
Land acquisition through to construction completion, with experienced lender access.
Compliant and strategic property purchases inside your self-managed super fund.
Trucks, vans and fleet finance structured around your cash flow.
Machinery, fitouts and tech assets without draining working capital.
Own your asset from day one with GST and depreciation benefits.
We know how lenders price loans and where the margin is. That knowledge now works entirely for you.
We contact lenders directly and push for better terms based on your specific file.
Proactive reviews, rate monitoring, and we handle the switch when a better deal appears.
Who we are
Two brokers. One shared standard — clarity, honesty and outcomes that hold up long after settlement.
Over a decade inside major banks gave me a deep understanding of how lenders think and price. Now I use that to find structures that actually work for you — whether it’s your first home, a refinance or a growing portfolio.
A background across lending, financial markets and property strategy means I bring a sharp, detail-first approach — particularly for investors and self-employed clients who need solutions beyond what a standard bank will offer.
“Ahmed from Everstone provided amazing service, going through a variety of options to ensure I had the flexibility I needed whilst also ensuring sharp pricing and even finding a great cashback option. Wouldn’t hesitate to come back for any future finance requirements.”
“Ahmed from Everstone was amazing in helping me refinance my loan and save a lot of money. He listened to what was important to me and presented me with options to choose from. He made the processes as easy as possible and hassle free.”
“My wife and I know Zap for quite a few years. He is genuinely expert in what he does. We like and trust his approach. Leave the job with him and relax. You have left the job in the right hands.”
“Great experience from the team and Ahmed, worked till midnight to provide solutions. Very smooth experience, solution was beyond best suited for me and everything was very transparent — beyond expectation!”
The lending journey
Simple steps, clear expectations. Timelines are a guide — we can move faster when needed and pace things around your schedule.
Understand your goals
Kick off with a quick chat (Zoom, phone, or in-person). We’ll map your budget, timeline and strategy, then share a tailored property/suburb report for any areas you’re considering.
Compare tailored options
We scan lenders and structures to shortlist options that fit how you live. Rates, features, offsets and future what-ifs included. You’ll get a clear side-by-side comparison and a recommendation.
Application & documents
Once you give the green light, we prepare the application, help gather supporting docs, and submit.
* Timing starts once we’ve received everything we need from you.
Approval, settlement & funding
We liaise with the lender, conveyancer and agents to reach settlement smoothly. On the day, funds are released and you’re good to go with no surprises.
Ongoing check-ins
Twice-yearly reviews to keep your setup aligned across market moves, rate changes and new goals. If a better structure appears, we’ll show you exactly what it looks like.
Here whenever you need us
Reach out any time for quick rate reviews, pre-approval refreshes, equity access or a strategy check-in. We work around your timing for the long run.
Frequently asked questions
Clear answers to the questions we’re asked most often. We’re paid by the lender — not by you. We act in your best interests and are not tied to any bank.
01What does a mortgage broker do?+
We compare lenders, structure your loan, prepare your application and manage it through to settlement so you get the right setup without the legwork.
02Do I pay you for your service?+
No. We’re paid by the lender after settlement. That doesn’t increase your rate or fees — lenders price loans the same whether you go direct or through a broker.
We disclose all commissions in writing upfront.
03Are you tied to any bank or influenced by commissions?+
No. We’re independent of any single lender and act under the Best Interests Duty, recommending what’s right for you, not for the bank.
04How much deposit do I need?+
Most lenders start from 5–20% deposit (plus costs). Below 20% may require LMI, or we can explore guarantor options to help you reach your goal faster.
05What documents do I need to apply?+
- ID (driver licence or passport)
- Recent payslips or tax returns (if self-employed)
- Bank statements and existing loan details
- Contract of sale (if purchasing)
06What is pre-approval and how long does it last?+
Pre-approval gives you a conditional “yes” based on your profile. It’s usually valid for 60–90 days and can be refreshed easily if your search takes longer.
07Can you help with refinancing or debt consolidation?+
Absolutely. We review your current setup, compare lenders and restructure to save you money or simplify repayments.
08How long does the process take?+
Typically: 1–2 days to chat and plan, 1–2 days to prepare your options, and 1–2 days to submit after receiving your documents. Settlement timing then aligns with your contract.
09Will applying hurt my credit score?+
We compare lenders without credit hits. A single, targeted credit enquiry occurs only when you’re ready to apply.
Still have questions? We’re happy to chat — no obligation.
Book an appointmentCompliance & Legal
EverStone Finance operates under strict compliance and responsible-lending standards in partnership with LMG Connect. Below are our key policies, disclosures and contacts designed to protect your interests and meet our regulatory obligations.
Privacy Policy
We’re committed to protecting your privacy and handling your personal information responsibly.
View Privacy Policy (PDF)Website Terms & Conditions
These terms govern your use of our website and services, including how data is collected, stored and secured.
View Terms & Conditions (PDF)Feedback & Complaints
If you’re ever unhappy with our service, please tell us so we can resolve it quickly and fairly. We’re committed to transparent handling and external resolution via AFCA.
View Complaints Policy (PDF)Credit Guide
Our Credit Guide outlines our role, fees (if any), and your rights under the National Consumer Credit Protection Act.
A copy is available on request and will be provided before any credit discussion or recommendation.
Our Credit Licence
EverStone Finance Pty Ltd operates under Australian Credit Representative Number 574314. We comply with the NCCP Act and Best Interests Duty to ensure every recommendation puts your needs first.
Credit Representative of LMG Broker Services Pty Ltd (ACL 517921).
Our Aggregator — LMG Connect
We’re authorised under LMG Connect, which provides compliance oversight, lender accreditation, training and ongoing support to ensure ethical, responsible lending standards.
About LMG ConnectExternal Dispute Resolution (AFCA)
If we can’t resolve your concern, you may contact the Australian Financial Complaints Authority (AFCA):
afca.org.au | 1800 931 678 | info@afca.org.au
Visit AFCAFeedback & Suggestions
Have a suggestion or want to share feedback? We’re listening — it helps us improve your experience.
Important Information
Information on this website is general in nature and doesn’t constitute personal financial advice. It doesn’t take your objectives, financial situation or needs into account.
Please consider your circumstances and seek professional guidance before making decisions.