Let’s talk about
your loan.
A free chat with Ahmed or Zap, the brokers who will
actually handle your loan. Phone, Zoom or in person.
Nursing, teaching, medicine, law or accounting? Your profession may carry LMI waivers. Mention it when we chat.
Pick a time
All times shown in your local timezone. You’ll receive a calendar invite immediately.
5.0 stars. 20 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.”
The people behind Everstone
You’re trusting someone with one of the biggest financial decisions you’ll make. Here’s who you’ll actually be working with.
Ahmed Lotfi
A former major-bank lender who now works entirely for you. Ahmed handles structuring, refinancing, bridging scenarios and investment lending across the 40+ lender panel.
Zappelin Heng
Co-founder with deep lender experience, focused on getting complex and self-employed files assessed on their real strength, not a tick-box.
Time well spent
Here’s what we’ll cover in your free consultation, and what happens after.
A quick chat about what you’re trying to do, buy, refinance, invest, or build, and your timeline.
We’ll talk through likely borrowing capacity, structures and the rates we’d target from 40+ lenders.
After the call we’ll send a clear summary so you have everything in writing. No pressure to proceed.
Common questions
A few quick answers to put your mind at ease before the call.
Is this really free?+
Yes. There’s no charge for the consultation, and there’s no charge if you proceed with us, we’re paid by the lender after settlement, and lenders price loans the same whether you go through a broker or direct.
Will this affect my credit score?+
No. A consultation involves no credit check. We only run a credit enquiry once you’ve reviewed your options and given us explicit consent to formally apply for a loan.
What if I’m not ready to apply yet?+
Perfect, most of our clients aren’t. We’re happy to plan ahead 6 to 12 months before a purchase or refinance so when you’re ready, the strategy is already in place.
Do I need to prepare anything?+
For the first chat, no. If you’d like indicative numbers on the call, a rough idea of your income, current loan balance (if refinancing), and what you’re trying to do is helpful, but optional.
Can I have the chat over the phone instead of Zoom?+
Absolutely. When you book, you’ll be asked your preference, phone, Zoom, or in-person at our South Yarra office. You can also book directly with Zappelin Heng.
