Find a mortgage broker
in your suburb.
Home loan advice in seven capital cities and 13 Melbourne suburbs, all of Australia, and Australians in 30 countries and cities worldwide.
Local insight, national reach
Everstone Finance is a mortgage broker helping homebuyers, refinancers and property investors right across Australia. We compare home loans across 40+ lenders, operate under the Best Interests Duty, and our advice costs you nothing, we’re paid by the lender after settlement, and lenders price the same whether you come through us or go direct.
Each suburb below has its own local market guide. Don’t see yours? We work with clients Australia-wide by phone and Zoom, so you can book a free chat from anywhere. Australians living overseas are just as welcome, and our guides for buyers overseas are the place to start.
Ahmed Lotfi
A former major-bank lender who now works entirely for you. Ahmed handles structuring, refinancing 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.
Why a local mortgage broker matters
A local mortgage broker knows how lending differs from one market to the next, which lenders value the property types in your area and which quietly decline them. Everstone Finance is based in South Yarra, working with clients right across Australia by phone and Zoom, so you get that local read wherever you are buying.
No two property markets are the same, and the loan that suits one can be the wrong fit for the next. The differences are real, and they are local. Inner-city apartments in high-density postcodes run into lender size and loan-to-value caps. Prestige homes in blue-chip suburbs face valuations that swing widely between lenders. Converted warehouses and mixed-use titles are avoided by some lenders altogether. Out in the growth corridors, first home buyers need a lender who knows the schemes and will lend on a new build. A broker who understands your area knows which lender to take each of these to.
Whatever you are buying, there is a guide for it: first home buyers, property investors, the no-LMI waiver for professionals, the self-employed, high-value and prestige purchases, and bridging finance for buying before you sell. Find your suburb below, or book a free chat and we will point you the right way.
Mortgage Brokers in Melbourne, VIC
14Mortgage Brokers in Sydney, NSW
1Mortgage Brokers in Brisbane, QLD
2Mortgage Brokers in Adelaide, SA
1Mortgage Brokers in Perth, WA
1Mortgage Brokers in Canberra, ACT
1Working With Australians Worldwide
31Living overseas does not change your right to buy at home: Australian citizens and permanent residents face no FIRB approval and no foreign-buyer ban. City-by-city guides for how your currency is assessed and how the purchase runs remotely, plus our guide to buying property in Australia from overseas, the Australian expat home loans guide, the country by country lender guide, and the Australian expat mortgage broker who runs the file by video.
Don’t see your suburb? We help clients Australia-wide, online or over the phone.
Book a free consultationBook a free mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Prefer to call, text or WhatsApp? Reach Ahmed on his own mobile, no call centre, wherever in Australia you are buying or refinancing.
Mortgage broker FAQs
The questions people ask before choosing a local broker.
Do I need a mortgage broker in my exact suburb?+
No. We help clients right across Australia online, by phone or Zoom. The suburb guides give you local market context, but you can work with us from anywhere, nothing about your loan depends on us being down the road.
How much does a mortgage broker cost?+
Nothing to you. We are paid a commission by the lender after your loan settles, and lenders do not charge a higher rate for going through a broker, the pricing is the same as going direct.
What areas do you cover?+
We have local guides for 13 Melbourne suburbs and city guides for Sydney, Brisbane, the Gold Coast, Adelaide, Perth and Canberra, and we arrange loans on property anywhere in Australia, including for Australians living overseas.
Do you work for the banks or for me?+
We work for you. We compare 40+ lenders and operate under the Best Interests Duty, which legally requires us to act in your interests, not those of a bank. We do not work for any single lender.
My suburb is not listed, can you still help?+
Absolutely. The guides are a starting point, not a boundary: we work with clients anywhere in Australia. Book a free chat and we will help wherever you are.