I am A Home Owner

“ZEP Finance was extremely professional and
understanding of our financial situation” – Scott

Upgrading / Downsizing

If you are looking to move into a new property then we can help you understand your equity available. We will work with you to ensure a smooth transition from your old property to the new with the least amount of stress.


Does one of the below questions apply to you?
1. Can we keep our existing home and buy another home to live in?
2. We have found our dream home but still need to sell our home. What do I need to do?


Don’t stress give us a call and we can look at all the options to see what is possible (sometimes even the impossible can happen).


Time For A Home Loan Health Check?


Refinancing can reduce your repayments or can be used to borrow extra funds for renovations etc. Lenders frequently change their product offerings and interest rates rise and fall over time, it is important to make sure your loan product is up to date and suits your current circumstances


When should you look at your existing loan?


  • You are looking to draw out equity for: deposit for new purchase, holiday, renovations etc
  • Employment / Income changes
  • Interest rate changes
  • Juggling multiple debts
  • It has been over 3 years since you looked at your loan. We meet up with all of our clients every 2-3 years to ensure that they are still in the right place for their loan.


Debt Consolidation /
Juggling Multiple Debts


Do you have a large credit card or personal loan debt with a high interest rate? Not only is it annoying having to make numerous different repayments each month but you may also be paying a very high interest rate. Consolidating all of your debts into the one loan can help you reduce the debt quicker and make it easier to manage.


Useful Fact Sheets


Construction Loans

Guarantor Loans

Purchase steps

Plus more

Had your loan for over 3 years? It’s time to review – are you still on a product that suits your needs?

“The team at ZEP Finance has been nothing but outstanding. I constantly received correspondence from all parties regarding my application, updates and what was required from my end. It was a stressful process, but Zain was able to ease the pressure, by spending time explaining and advising me on my application. This made the process a lot more comfortable and fluid and as a result relieved the stress that I was experiencing. Overall, I have nothing but positives to say about ZEP finance. This is the third time I have used their services and will continue and will recommend to others


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