Expense
Manager

What Is An Expense Manager And Calculator?

This expense manager and calculator is designed to help individuals planning to buy property by providing a detailed analysis of their expenses. It allows users to categorise and calculate their monthly expenditures, which is crucial in understanding their financial capacity for a property purchase.

This tool aids in effective budgeting and financial planning, ensuring that potential property buyers are aware of their spending patterns and can make informed decisions about their property investment.

An expense manager or calculator is vital in the home-buying process as it helps in creating a clear financial picture. By tracking and analysing monthly expenses, potential homebuyers can gain insights into their spending habits, helping them identify areas where they can save more towards their home purchase.

This level of financial awareness and planning is essential for determining affordability and ensuring that the commitment to a mortgage is sustainable over the long term. Effective use of such tools can lead to a more disciplined approach to finances, which is crucial when entering the substantial commitment of property ownership.

Your Mortgage, Your Future

110+ Google Reviews And Counting

Mal Riddle

06:31 08 Apr 24

Zep finance went above and beyond in securing finance for our company vehicle. They updated me every step of the way and made a complicated process easy. Highly recommend.

Hanna Pritchard

04:38 05 Apr 24

I'd heartily recommend Kylie and the team at Zep for your mortgage needs.

Claire Westra

04:28 05 Apr 24

I'm a property investor with 6 properties thanks to this family run brokerage business. I have had nothing but exceptional service from Zep finance. They don't cross-collateralise, work closely with your accountant and are so smooth and easy to work with.Zains team consider well over 100 lenders to come up with the right loan product for investors. These guys do the hard yards and I could not recommend them more.

Nikki Fern

01:26 05 Apr 24

Highly recommend ZEP Finance, a local family-owned business whose kindness, passion, dedication & attention to detail shines through everything they do. Exceptional humans going above and beyond!

Billy Narvo Gleeson

03:59 04 Apr 24

The team at Zep were so incredibly helpful and made buying our first home not as stressful 10/10 recommend

Joshua Buttsworth

06:18 02 Apr 24

The team at Zep have been amazing.We had a more difficult settlement and each of the team gave me time, clear direction each step of the way and were extremely patient.Many thanks!!!Highly recommend

Carliene

23:22 25 Mar 24

Zain is absolutely fantastic. He helped us with the refinance of our first home to help us buy our dream large acreage property nearly three years ago. Coming off our fixed loans, Zain is now helping us keep our new variable rates as low as possible. He’s been of tremendous help during the process each time. Highly recommended!

tara curnow

08:01 24 Mar 24

The Team at ZEP were extremely helpful from the start to finish of the entire process and even after with check ins to ensure we are on a great rate and things are going smoothly. Extremely professional, fast and go above and beyond to ensure you reach your goals. Highly recommend!

Paul Chaffer

23:19 20 Mar 24

Kylie Harris, my broker was excellent in her approach and assistance. She was clear, concise and made it an effortless, streamlined process unlike other experiences I have personally had refinancing property. I felt trust, care and guidance from her and the team upon every step, delivering a great outcome. I have since produced two more leads for her with long term friends who were equally impressed.

Kylie Harris

23:17 20 Mar 24

Fantastic Team!! Second to none!!

Michael Wolhuter

23:19 01 Mar 24

ZEP took the time to explain the home loan process to making it stress free. They were always there to help when needed, wound highly recommend Zain and the team.

Jaime Muller

05:17 29 Feb 24

We had such a straightforward, no problems process with Zep. Communication was clear and consistent and the staff were all friendly and accomodating. Thank you!

Kurt Malavey

09:21 22 Feb 24

Zain and the team have helped us with loans, refinance and financial advice. They are unbelievable and easy to deal with. Call them now!

Shaun

06:36 22 Feb 24

Zain and the team were great. All the way from initial contact to past our settlement date to make sure the whole process was smooth.Dealing with Karina and Trudy they made everything hassle-free and had great communication at all times. 11/10, highly recommend.

Jasmine Dunwoodie

03:44 20 Feb 24

Zach Constantinou

11:00 15 Feb 24

caris galvin

22:31 13 Feb 24

We have been very happy with the service provided by Kylie and the rest of the team at ZEP finance- they've ensured a very smooth journey for our refinance and property purchase. We've already recommended them to friends and family

Matthew Gordos

11:43 11 Jan 24

ZEP Finance helped us throughout the process of selling and purchasing our homes by ensuring that paperwork and communication with our finance institutions was completed under tight timeframes

Ash Knowland

19:40 18 Dec 23

Zep finance helped us achieve what we were trying to do when no other brokers could. The whole experience was met with an extremely helpful and positive mindset with nothing ever being a problem.The addition of incredibly helpful staff made our experience with zep one that we will highly recommend to anyone looking to refinance like we did.Give Zain and the team a call, you won't be left disappointedAsh

Belinda Kehoe

04:27 18 Dec 23

Great service again from zep finance.Could not recommend them highly enough.

Dani Thompson

03:19 12 Dec 23

Can not recommend Zain and his team enough! They are amazing at what they do..their communication, knowledge and processes are flawless.Thanks again guys!!!

Paul O

23:51 05 Dec 23

Zain and the team at ZEP Finance are incredibly responsive to any questions and are genuinely customer-focused. They invest the time to get to know their clients and develop long-term relationships with them. It's comforting to know that expert advice and any assistance is only ever a phone call or email away. Over the past 5 years, I've found that they always act in the client's best interest and nothing is ever too difficult for them whether it be assisting with identifying the best lender for your needs, renewing loans or purchasing a home. They just make it happen!

Sorayah Zazuri

04:08 14 Nov 23

Zain, Emma and the whole team at ZEP finance have done an amazing job. They successfully navigated us through our construction loan, and then onto refinancing to get us a better home loan with a reduced interest rate. We’ll done guys! You have taken a huge weight off of our shoulders. We look forward to dealing with your amazing, local, Lennox Head, family run business for any new mortgage needs!

Greg Powell

21:29 07 Nov 23

Zain and his team are friendly, efficient and professional. We have used ZEP’s services on a few occasions and I can not speak highly enough of them. They are patient and understanding and go above and beyond any expectations you may have. No hesitation in giving 5 stars plus…. Your emergency is their urgency. Fast and easy.

Shannon Saye

23:26 31 Oct 23

Highly recommend using ZEP Finance they made the process of getting finance easy and completed the process quickly and efficiently.

Charlotte Monlun

03:34 10 Oct 23

Zain and the team at ZEP Finance came recommended when we started looking at buying near Lennox and needed financing. Zain was able to assist us in getting the best solution for our mortgage. The team was incredibly attentive, responsive with any queries we had along the way and professional. They made the process seem as seamless as can be considering the current lending context. A big thank you Zain, Trudy and Kelly for your expertise and support, we will certainly recommend your services.

Jamie Hetherington

11:14 03 Oct 23

Couldn't be happier with the team at ZEP Finance. Can be quite overwhelming when making these life changes and they eased us through it all! Thank you so much

Sheridan Veness

07:17 11 Sep 23

We just purchased our second home with Zain and his teams help and my goodness they are truly amazing ! They are quick and efficient and make the process stress free not to mention they are all so lovely and helpful with every need . Couldn’t recommend them enough!

Marnie Sironen

06:45 01 Sep 23

Zain, Emma, Karina and the team were wonderful. They expertly navigated our complex situation, were endlessly patient and explained everything to us in plain English, which was really appreciated. Highly recommend.

SALT GYPSY

00:35 26 Aug 23

We were recommended Zep Finance by friends of ours. Zain, Emma and the team met and exceeded our expectations and we couldn’t recommend highly enough. This was our first home loan experience and their communication was always prompt and clearly explained which made the whole process as straightforward as possible for us. Thanks so much for your perseverance and dedication to finding a home loan solution for us guys, really appreciated!

Jade Rogers

09:28 25 Aug 23

Brett Watson

05:01 14 Aug 23

Kylie Harris from Zep helped me throughout the process and was amazing in my opinion, I have already recommended Zep to friends .

Micheal Simpson

04:48 14 Aug 23

shelby milne

05:33 10 Aug 23

ZEP finance was fast and efficient. The whole team are more than accommodating and very friendly! I would 100% recommend and be using them again in future.

Andro Engelbrecht

00:12 25 Jul 23

Fantastic service once again! We've used Zain and the team from ZEP Finance for our past mortgages and recently to extend our current home loan to get some renovations done. Zain and his team was excellent at communication and did everything in a timely manner. Highly recommend and will definitely use them again in the future.

Hong K

13:03 05 Jul 23

Zep finance is truly amazing and will help you achieve the best result. As a first home buyer, I am not sure about the process but my broker Kylie and Karina have always been very helpful, always kept me informed throughout the process and went above and beyond to assist until it is all completed. It was an amazing experience I couldn’t have done it without ZEP Finance !!!

Louise Harris

10:41 11 May 23

Zep finance seamlessly managed our recent refinancing and made the whole process so easy for us. The whole team are friendly, professional and very thorough. They were also amazing to deal with a few years ago when we were first home buyers navigating a construction loan. Highly recommend!

Thomas Harris

04:30 10 May 23

Zain and the ZEP team helped us get our initial home loan in 2019 and have just assisted us with refinancing. Great team, happy to answer all questions and a smooth process. Would recommend to anyone, near and far - we work with team from Western Brisbane without any dramas!

Jean Barr

10:40 19 Apr 23

Made it easy for me to get my house loan. The staff were all very professional and made the whole process much easier and smoother. I would never have been able to settle on my purchase so quickly had I not had the team behind me. Everything was clearly explained to me. They took the stress out of the whole process.

Pip C

10:24 19 Apr 23

Zain and his team did a wonderful job securing me a home loan and helping me understand the steps involved. They communicated with all the necessary parties on my behalf and l couldn't have been happier with the work they did for me. I highly recommend ZEP finances. Many thanks Zain, Kylie, Lisa and all the team.From a happy first home owner!

Louise O'Connell

08:32 30 Mar 23

Zep Finance are world class! This was my 6th mortgage and by far the best advice and all round service I've ever experienced. Kylie went above and beyond to find me the best deal, with Trudy, Emma, Jasmine and Caitlin keeping me informed along the way. Thanks ZEP! I really appreciate the great loan you negotiated.Highly recommend this team!

Demi Kroehnert

01:23 28 Jan 23

Amazing⁫ experience for first home purchaseZEP Finance we’re excellent in making our fist home buying experience simple. Our broker, Joel, provided an awesome experience when purchasing our very first home and wer were able to purchase the home of our dreams. Throughout the whole process, Joel always communicated with us clearly and answered any questions we had, making sure we understood. Thank you to Joel and ZEP finance for providing us with a great experience and we will be sure to return when we need a broker in the future.

Brad Newby

22:20 27 Dec 22

The team at ZEP Finance were very professional throughout the whole loan process and provided us with several options that suited our circumstances. Not living local was not an issue for them and the communication provided from the ZEP team was amazing. If you are looking for a service which is tailored to your specific needs we highly recommend reaching out to Zain and his team. Thanks for helping us achieve another milestone in our lives.

Sophie and Steve Myburgh

05:17 16 Dec 22

So⁫ grateful for Zep Finance.There are few words that can explain our gratitute to Zain and Joel.The brokerage service was excellent from beginning to end in assisting us to secure our very first home.Zain and Joel made us feel valued and informed each and every step of the way on our journey to owning our own home.We can't thank them enough for their exceptional, meticulous, professional and efficent assistance and support.If you are looking for a broker, we can absolutely recommend Zep Finance and will continue to use their services in the future!From the Myburghs.

Abbey McBurney

23:37 20 Oct 22

Third⁫ time - Still Amazing ServiceThis was our third time working with ZEP Finance. The whole team supported us through a very difficult process negotiating with our previous lender following the February/March floods. We would have been lost without their support.They then switched gears and sprung into action to get us locked and loaded to buy a new, flood free home.Joel helped us obtain pre-approval with our preferred lender and the whole process from exploring options to pre approval to settlement was seamless and stress free.Zain has built a quality and caring team, whose attention to detail and customer service is hands down second to none.I have always, and will continue to recommend ZEP to anyone looking into finance options.

The Image Collective

05:22 04 Oct 22

Highly recommend the entire team at ZEP to anyone needing finance information or services. The results were nothing short of amazing. This experience for me has restored my reservations about loans/finance with their professionalism and knowledge. I understood everything that was explained, was given options and felt so empowered to leave my long term bank.I have since referred family and friends to see them and hope anyone reading this gives them a go. Trust me, you won't be disappointed. THANK YOU ZEP!!!

Nat Daley

00:18 02 Aug 22

Second to noneOver many years and many transactions, Zain Peart and his team (Kylie, thank you) have always been great, but this time they went above and beyond. Our situation is complex, the investment property transaction we just executed was complex, and what was even more complex was the timing of the transaction (floods, COVID-19, interest rate increases, maternity leave, personal matters etc). ZEP provided much needed stability in these uncertain times. There is nothing that office cannot do, and it seems the more complex the scenario the more they stand out. I cannot recommend ZEP highly enough, and do to my family, friends and clients 100% of the time.

Wan Bradridge

10:06 11 Jul 22

Amazing service! Zain, Kylie and the team went above and beyond for us. They made the process so easy. They did all the hard part for us, we didn’t even have to lift a finger! Always keeping us up to date with the progress of the loan application, very professional and friendly. We would recommend the team to anyone! Thank you guys! Craig and Wan

J C

10:03 11 Jul 22

I couldn't have asked for better service! Zain, Jasmine, Emma and the entire team at ZEP worked around the clock to find the best possible loan for my situation.If you're looking for a professional, timely, considerate and understanding broker, ZEP is my recommendation. Jasmine always replied to my requests quickly and efficiently and Zain worked tiressly to find the product just for me.

Sally Cook

10:02 17 May 22

PROFESSIONALSERVICE AND GREAT COMMUNICATION !!Zain,⁫ Joel and his team were extremely helpful, responsive and gave us excellent advice throughout the process of obtaining our loan and securing a home in this difficult property market. Their service was sincere and supportive and we would highly recommend to anyone to use their services. We will most definitely reach out to them once again for any further loan applications. These guys made it all happen !!! THANKS HEAPS

Helen Woodburn

00:55 15 Jan 22

Buying and selling property can be stressful so having someone assist us with our financing towards the selling and buying of a property was very important to us. Zain at ZEP Finance came highly recommended. Both Zain and his team did an incredible, efficient and professional job from start to finish. Zain's knowledge and experience is exceptional which instilled our confidence and trust. The team's communication was outstanding and their timely and prompt attention to detail provided comfort and peace of mind throughout the process. This meant we could focus on other necessities associated with moving house as well as saving us a heap of time. We would highly recommend Zain and ZEP Finance to anyone requiring a mortgage broker.

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Expense
Manager

What Is An Expense Manager And Calculator?

Your Mortgage, Your Future

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