Prefer not to book? Message or call and Ahmed comes back to you the same day.
Let’s figure out your next home lending move.
Booking from overseas? Every slot below shows in your own time zone. We arrange loans for property in Australia only, not for property in any other country. We run the whole loan by Zoom, phone or WhatsApp, place your foreign income with the lender that counts it best, and you never need to fly home.
Booking about a commercial deal? Bring the property, the numbers and the timeline. Purchases, refinances and equity release on commercial property, including SMSF and low doc options.
I’m a mortgage broker in South Yarra, Melbourne, and I spent over a decade inside Australia’s major banks before co-founding Everstone Finance. I help clients across Australia, and Australians living overseas, with every kind of borrowing: a first home or the next one, a refinance, an investment property, a home loan on foreign income or a complex commercial deal.
In a profession like nursing, teaching, medicine, law or accounting? Many careers carry lender benefits such as LMI waivers and rate discounts. Mention yours when we chat.
Pick a time with Ahmed
Zoom or phone from anywhere in the world, or in person in South Yarra · times are shown in your own time zone · pick a day and see when we can chat
Prefer to call, text or WhatsApp? This is Ahmed’s own mobile, no call centre.
What we’ll actually cover
No filler. By the end of the call you’ll have answers to the three questions that matter.
Not a generic calculator number, but a realistic borrowing capacity across multiple lenders, based on your actual income and situation.
We’ll talk through the sharpest rates available right now for your scenario across 40+ lenders, including ones the banks won’t volunteer.
I put a dollar figure on it: what a sharper rate, a refinance or a new loan is worth against where you are today. Straight answer, written summary, no pressure.
Home loans in Australia, from overseas and for business
One conversation covers all of it, whether you are buying in Melbourne, refinancing from Dubai or funding a warehouse.
Buying, refinancing and investing in Australia
- Your first home or your next one, with borrowing capacity checked across more than 40 lenders.
- Refinancing to a sharper rate or a better structure, including cash out and equity release.
- Investment property, bridging when you buy before you sell, and the professions that carry lender benefits such as LMI waivers.
- In person in South Yarra, or by Zoom and phone from anywhere in Australia.
Australian expats earning foreign income
- Every slot in the calendar shows in your own time zone, and the call runs on Zoom, phone or WhatsApp.
- No flight home at any stage: identity is certified where you live, documents are signed electronically and settlement runs through PEXA.
- Your foreign income goes to the lender that counts it best, including self-employed income, refinancing and cash out on property you already own.
- Guides for Australians in 30 countries and cities, from Dubai and Singapore to London and New York.
Commercial property and business owners
- Purchases, refinances and equity release on offices, shops, warehouses and industrial property.
- SMSF commercial property, and low doc or no doc options when tax returns lag behind the business.
- The structure and the settlement timing planned around the contract, before anything is signed.
5.0 stars. 13 verified Google reviews.
“Had a really good experience with Ahmed as my broker. Easy to deal with, always kept me updated and helped make the whole process simple. You can tell he actually cares and wants the best outcome for his clients. Definitely recommend him if you need a reliable broker.”
“I couldn’t be happier with the service I received from Everstone Finance. A huge thank you to Ahmed and Zap for their outstanding support throughout the entire refinancing process. They made everything stress-free and easy to understand.”
“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.”
Quick answers
Is this really free? What’s the catch?+
There’s no catch, but here’s the honest mechanics: brokers in Australia are paid by the lender after your loan settles, not by you. Lenders price loans the same whether you go direct or through a broker, so there’s no cost penalty for using me. The chat itself costs nothing, and so does walking away from it.
I live overseas. Can we still do this?+
Yes, and the process was built for it. The calendar shows every slot in your own time zone and we talk by Zoom, phone or WhatsApp. Your foreign income is placed with the lender that counts it best, identity documents are certified where you live and loan documents are signed electronically, so you never need to fly home. More on Australian expat home loans.
Do you handle commercial property loans?+
Yes. Purchases, refinances and equity release on commercial property, including SMSF commercial property and low doc options for business owners whose tax returns are behind. The first chat maps the deal and the lenders that suit it. More in our guide to commercial property loans.
What actually happens in the chat?+
We talk through where you are and what you’re trying to do. I’ll usually look at your borrowing capacity across a few lenders, sanity-check the rate you’re on, and tell you what I’d do in your position. You leave with clear next steps, whether or not they involve me.
Will this affect my credit score?+
No. A consultation involves no credit check. I only run a credit enquiry once you’ve reviewed your options and given me explicit consent to formally apply.
Am I going to get a sales pitch?+
No. You get the numbers for your situation and a straight recommendation, and the decision stays yours. This business only works long term if the first conversation is honest enough that people come back years later.
I don’t know if I’m ready. Is this still worth it?+
Yes. Most people who book aren’t applying for anything yet. They want to know what’s possible: borrowing capacity, what rate they should be paying, whether a refinance is worth it. We can plan 6 to 12 months ahead so when you’re ready, the strategy’s already in place.
My situation is complicated. Will that be a problem?+
Complicated is normal. Self-employed income, credit bumps, visas, trusts, a deal another broker couldn’t place: I spent a decade inside the banks, so very little surprises me. The messier it is, the more useful the chat tends to be. No judgement, just options.
How do you actually get paid?+
By the lender, after your loan settles, at no cost to you. Commissions are broadly similar across lenders, and I operate under the Best Interests Duty as Australian Credit Representative 574314, which legally requires me to recommend what’s right for you, not what pays most.
Do I need to prepare anything?+
For a first chat, no. If you’d like indicative numbers, a rough idea of your income and (if refinancing) your current loan balance helps. Bring questions.
Phone, Zoom or in-person?+
Your choice. When you book, you’ll be asked your preference. In-person meetings happen at our South Yarra office, and from overseas Zoom, phone or WhatsApp work from any time zone.
Can we speak in Arabic or French?+
Yes. I speak English, Arabic and basic French. Mention it when you book and I’ll switch.
