Let’s figure out your next home lending move.
I’m a mortgage broker in Oakleigh, Melbourne, with a background across lending, financial markets and property strategy, and I co-founded Everstone Finance to put that experience on the customer’s side of the table. I take a sharp, detail-first approach, particularly for investors and self-employed clients who need solutions beyond what a standard bank will offer, and I help clients right across Australia.
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 Zap
phone, Zoom or in-person in Oakleigh · calendar invite sent immediately
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.
5.0 stars. 20 verified Google reviews.
“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.”
“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.”
“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.
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 Oakleigh office.
