“The service we received from ZEP Finance was second to none. Whilst I may not understand every aspect of our loan, I do know that I have a life-long relationship with ZEP Finance and that they will do whatever they can to help us. I will definitely be recommending ZEP Finance to anyone and everyone who will listen.”

Cara & Phil
“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”
“A huge thank you to Zain for all your work and patience with our constant questions and for guiding us through the purchasing process and available home loans. You really did make the experience much easier than it would have been and we’ve already recommended ZEP Finance to our friends and family”
“I can’t even try to tell you how grateful we are for your personal engagement and of course the result. YOU are a champion! Thank you from the bottom of our hearts!”
“Thanks guys. Made this process fairly painless and felt informed and supported through out
“I found ZEP very professional. ZEP looked after everything for me and gave me peace of mind while I was able to then concentrate on other things I needed to do. It was a very trying time for me but ZEP made things easier for me. One less thing to worry about. All the staff including Zain know their products.
I’d have no problem at all recommending ZEP to other prospective clients. Thank you so much.”

“The entire Team were very helpful and patient. Our only regret is that we didn’t spend more one-on-one time with Zain so that we could COMPLETELY understand the process. This is very new to us, but will hopefully become clearer as time goes on.”
“ZEP Finance was extremely professional and understanding of our financial situation. We would never have been able to obtain our mortgage and build our home without their service. We cannot thank them enough for their time and commitment!”
“We contacted Zain after a friend recommended him and were delighted that he was able to help out. Being self employed can make things trickier with finance but Zain was able to work with it – he was great in that he spent the time working out what would suit our needs best and when we did eventually find the right place, we were able to move quickly enough to secure it.

I’d have no hesitation in recommending his services”

“After speaking to banks and other mortgage brokers we were just about ready to give up on our dream of building our own house. We were knocked back several times when trying to borrow money, and the whole process seemed futile and at times very confusing. That was until we went and spoke to Zain. Our experience working with ZEP Finance has been nothing short of amazing. From start to finish it has been a smooth process, not to mention we got the result we wanted and are currently in the process of constructing our new family home! ZEP finance has done all the hard work for us, presenting everything in easy to understand explanations for someone like myself who isn’t particularly finance savvy. I would absolutely, and have recommended Zain and his friendly team to anyone looking at finance options. Thank you so much for making our dream a reality.”

“I look forward to a long term relationship with ZEP Finance as I work towards securing my retirement income.”


“I particularly love the fact that most of this could be done over the phone or via email. It makes it so much more efficient. Keep up the great work”


“Thank you so much for your help in assisting me with achieving my dream. You and your team are sensational and have made each loan processed a stress free and enjoyable experience. I look forward to working with you in the future.”


“Zain has been very helpful throughout the whole buying process. He is reliable, efficient, and shows his clients he cares. I would highly recommend him to anyone who is looking for a trustworthy and hands-on mortgage broker”


“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


“Our Home Loan was almost impossible to get! But Zain made it happen! ZEP Finance can do amazing things!”


“Zain, to his credit and my benefit, was more than willing to walk through my current financial situation with me to iron out the creases and trips and establish a very good credit base from which we could move forward quickly and grow my portfolio almost effortlessly.
Always keeping me in touch he has used his knowledge and skills well and has made this phase of my journey to financial independence a true delight. I would recommend Zain to anyone, experienced or novice, who is looking for financial loan assistance.”


“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

“Thank you, Zain, for making our transaction that seemed sooo difficult into something easy, with ‘no pain’! You found solutions where nobody had even looked before and stayed on top of it until the end. And you also calmly guided me through all the process, so I always knew where I was at. No words to describe that feeling!”


“From the start to the settlement finish line, Zainidentified and understood our unique circumstances and goals, even when we didn’t completely comprehend them ourselves, mastering a fabulous result for us.
Navigating the process on our own would have been daunting, if not impossible, given our lack of knowledge of mortgage vagaries, procedural complexities and time-poor lives.
Zain and His Team of angels were always available and endlessly patientwith us, doing all the paper and legwork, supporting us through the entire process with exceptional expertise. They truly did inspire us with confidence and gave us peace of mind that we were making sound decisions for our future financial security.
A significant professional network and in-depth knowledge of the local market enabled Zain to competently and confidently liaise on our behalf with vendors’ agentsand banking institutions, always keeping us in the loop and providing a range of options and advice.
The local business community is indeed fortunate to count ZEP’s capable team as one of our own. In all our dealings, Zain acted with the highest level of professional integrity anddemonstrated a great wealth of industry knowledge – that he willingly shares with his clients.All that fiscal reasoning! – how can one person know so much about the world of property and finance and still manage to keep all our interactions personal and focused on us?
We would never attempt to purchase another investment property without ZEP’s assistance and recommend Zainand his team to anyone, young or old,considering entry into the property market, expanding on their investment portfolio or simply looking for their final paradise home.
Big genuine thanks Zain& ZEP Angels for helping us find and secure the castle.”

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