About Everstone Finance
Two former bankers,on your side.
Everstone Finance is a boutique mortgage and finance brokerage in South Yarra, founded by two lenders who spent years inside major banks and decided the knowledge belonged on the customer’s side of the table. 40+ lenders compared, paid by the lender, never by you.
Our story
Why Everstone exists
Between us, we spent more than a decade inside Australia’s major banks, writing loans, pricing risk and watching exactly how lenders decide who gets what. We saw the sharp offers reserved for new customers while loyal ones drifted onto expensive rates. We saw strong applications declined at one credit desk that would have sailed through another. And we saw how rarely anyone explained any of it to the person whose name was on the loan.
Everstone Finance is the answer we owed those customers. As brokers we compare more than 40 lenders, we are paid by the lender on settlement rather than by you, and we operate under the Best Interests Duty, a legal obligation to recommend what suits you, which a bank selling its own products does not carry. The inside knowledge is the same as it always was. It just works for you now.
We are based at 35 Malcolm Street, South Yarra, and we arrange home, investment, commercial, business, SMSF and expat lending for clients across Melbourne, Australia and overseas, in person, by phone and on Zoom.
Between us the split is simple. Ahmed handles structuring, refinancing, investment lending and expat lending across the 40+ lender panel, including Australians overseas whose income arrives in another currency. Zappelin focuses on complex and self-employed files, assessed on their real strength rather than a tick-box. Whoever you start with, you keep.
We know how lenders price loans and where the margin sits. That knowledge now works entirely for you, not the bank.
No charge for our service. Lenders price loans the same whether you go direct or through us, so there’s no cost penalty for the help.
Proactive reviews and rate monitoring, and we handle the switch when a better deal appears. On your side, under the Best Interests Duty.
What we arrange
Lending in the order life tends to happen
Every guide below is written by the two of us from the lender’s side of the desk. Start with the row that matches where you are.
Buying a home
First home, next home or an investment property, including buying before you sell. What it costs by city, what the schemes actually give you, and how to get pre-approved before you bid.
Refinancing
A better rate, cash out, a fixed rate ending, or a lender that is leaving the country. The maths, the costs, and the lenders worth moving to.
Australians overseas
Buying in Australia from abroad, refinancing an Australian mortgage without flying home, and coming back. Which lenders count foreign income, and how much of it.
Commercial and business
Buying your premises, refinancing the loan on them, releasing equity, or refinancing business debt that is not tied to property. City guides for Melbourne and Sydney with the state costs worked through.
Self-managed super
Buying commercial property with super, and refinancing an existing SMSF loan after the 10 August 2026 change to residential borrowing.
Professions and the self-employed
Lender policies that price some occupations differently, waived mortgage insurance for eligible professionals, and income assessment for business owners.
Where we work
In person in South Yarra, by video with electronic documents everywhere else in Australia, and for Australians living overseas, with guides for 30 countries and cities.
Australia
Overseas
Check us, please
Everything here is independently verifiable
In an industry built on trust, we would rather you verify than take our word for it.
Licensing
Everstone Finance Pty Ltd is Credit Representative 574314 of LMG Broker Services Pty Ltd, Australian Credit Licence 517921, operating under the Best Interests Duty.
Check it: search Everstone Finance on the credit representative register at ASIC Connect.
Registration
ABN 50 692 215 482, on the Australian Business Register.
Check it: the ABN record shows the registered name, Everstone Finance Pty Ltd, and its status.
Membership
Finance Brokers Association of Australia member M-361360, with AFCA membership for independent dispute resolution.
Check it: FBAA member M-361360, and the AFCA scheme for complaints.
Local presence
Listed in the City of Stonnington business directory at 35 Malcolm St, South Yarra.
Check it: the council listing and the Google Business Profile at 35 Malcolm Street.
Client record
A 5.0-star Google rating from local clients. Reviews we never pay for, and answer personally.
Check it: every review is public on the Google Business Profile, 5.0 from 14 reviews at October 2026.
Community
Proud sponsor of the Australian Police Football Association.
Check it: the sponsorship announcement is on our site and on the association’s channels.
Questions people ask
About Everstone Finance, in plain answers
Who is Everstone Finance?
Everstone Finance is a mortgage and commercial finance brokerage in South Yarra, Melbourne, founded by two former major-bank lenders, Ahmed Lotfi and Zappelin Heng. It compares more than 40 lenders for home, investment, SMSF and commercial loans and works with clients across Australia and Australians living overseas.
How is Everstone Finance paid?
The lender pays Everstone a commission on settlement. Clients do not pay for the service, and the lender prices the loan the same whether you apply direct or through Everstone. Everstone operates under the Best Interests Duty.
Where is Everstone Finance based and who can use it?
The office is at 35 Malcolm Street, South Yarra VIC 3141. Clients meet in person in South Yarra or by video, and identity checks and documents are handled electronically, so borrowers anywhere in Australia and Australian expats overseas can use the service.
Is Everstone Finance licensed?
Yes. Everstone Finance Pty Ltd (ABN 50 692 215 482) operates as a credit representative of LMG Broker Services Pty Ltd, the Australian Credit Licence holder, under the Best Interests Duty. It is a member of the Finance Brokers Association of Australia (M-361360) and of AFCA. The representative and licence numbers are in the Licensing box above and in the footer of every page.
How do I get started with Everstone Finance?
Book a free call by phone, video or in person in South Yarra. Documents are exchanged electronically, identity is verified online or by video, and Everstone shortlists lenders and arranges pre-approval before you commit to a property or a refinance. There is no cost to you at any stage.
What does Everstone Finance specialise in?
Australian expat lending, refinancing (including HSBC customers moving lenders), bridging loans to buy before you sell, commercial property purchases and refinances, SMSF loans after the August 2026 changes, and lending for professions such as doctors, nurses, teachers and first responders.
Book a free consultation
Phone, video or in person in South Yarra. Pick a time and a calendar invite arrives straight away. No cost to you, ever.
Book a time with a former bankerOr reach Ahmed directly on his own mobile, no call centre.
35 Malcolm St, South Yarra VIC 3141
0407 834 757 · ahmed@everstonefinance.com.au