Team ZEP

“Zain and his team are sensational and have made each loan process a stress free and enjoyable experience” – Bobbie-Lee
Team ZEP
Team ZEP
Zain – Mortgage Broker / Financial Strategist

“You need a home loan – I’m here to help! I have been working as a mortgage broker since 2009. I started my own business in 2010. I put myself out there and I’ve grown ZEP to our team of four. My interest in mortgages stemmed from my own property investments. I have always looked at how I can get my clients the loan that is suitable for now and which will help them to put themselves in their dream position whether that is today or 10+ years. I have over 10 years’ experience in property investing and I’m highly knowledgeable in investment loan structures.


I like to think of myself as a problem solver – what might seem like a hard job to others (cleaning up loan messes, reviewing self-employed income, hard to get over the line loan) – I love!


I’ll work closely with you, your accountant, your real estate, and conveyancer – anyone that needs to be across the process. I look forward to meeting you” – Zain

Team ZEP
Emma – Office Manager

“I’m Zain’s wife and I’ve been working with him in ZEP since 2012. I juggle work and children so I’m currently working part-time (Tues – Thurs). I have a background in marketing and I’m working closely with Zain building our investment portfolio. My role at ZEP is customer services manager. You will hear from me at various stages in the loan process and post settlement” – Emma

Team ZEP
Lisa – Broker Support

“I have been on the ZEP Team since 2014. I have previous experience in real estate in both property management and sales. I am a property owner and investor. I have an interest in construction and I know my way around building contracts. My role at ZEP involves keeping on the back of the banks to ensure they deliver on time for you. I take Zain’s calls when he is in meetings – so you might get my voice at the end of the phone when you are trying to contact Zain.” – Lisa

Team ZEP
 Luke – Loan Administrator

“Having recently relocated back to the north coast with my young family, I was very fortunate to be offered a position within the ZEP team. I have a passion for real estate and am a keen investor and continually looking for opportunities to add to our property portfolio. I have a strong background in small business management as well as spending time in the banking and insurance sector. I thoroughly enjoy helping people achieve their goals with a clear line of communication and strive to keep the loans experience as relaxed as possible.” – Luke

“Zain was wonderful and brilliant at what he does and makes the whole borrowing process very easy. Zain led me and held my hand the entire way – I did not experience the slightest bit of stress or apprehension through any part of the process.”


“We have used Zain’s company many times now and every time is a demonstration of perfect customer service. Highly recommend them to anyone. Even the solicitor settling our property purchase made a comment on how fast and professional the service was.Thanks Zain, Emma, Lisa, Linsy”

Rob & Moira

Mortgage Brokers Lennox Head | Home, Land, Investment Loans Byron Bay, Ballina, Northern Rivers & Lismore