ZT Finance

ZT Finance Specialist Mortgage broker Whether you are an experienced investor or a first home buyer, I am positioned to get you the best deal every time.

With all the information out there about home loans, the property market and finance in general, it can be time consuming and confusing to stay on top of it all. A combination of 10 years of industry experience and strong relationships with lenders enables us to find the best deal for my clients in every scenario. If your bank has ever said no to you, talk to us for real insight into why and what

you can do to avoid this in the future and more importantly, which other lender will be willing to accomodate.

🏡 EOFY is a good reminder for property investors to take a step back and review the bigger picture.From checking whether...
04/06/2026

🏡 EOFY is a good reminder for property investors to take a step back and review the bigger picture.

From checking whether your current loan still suits your strategy to reviewing interest rates, cash flow and upcoming expenses, a quick EOFY check-in can help set you up for the year ahead.

It’s also a good time to think about:
• Your long-term investment goals
• Potential opportunities to refinance
• Whether your finance structure is still working for you

A small review now could make a big difference later.

📲 If you’re reviewing your investment property position this EOFY, we’re here to help you explore your options.

🏡 Another exciting milestone reached in Fraser Rise!This home has officially reached the enclosed stage and is really st...
28/05/2026

🏡 Another exciting milestone reached in Fraser Rise!

This home has officially reached the enclosed stage and is really starting to take shape. From the outside, it’s beginning to look and feel like a completed home — and now the focus shifts to the fixing stage.

Over the coming weeks, work will continue across:

• Internal walls and ceilings
• Plumbing and electrical rough-ins
• Kitchen and bathroom fit-outs
• Floor tiling and wardrobes

There’s still plenty happening behind the scenes, but it’s exciting seeing everything come together.

We love following our clients’ building journeys and can’t wait to see the next stage of progress.

Clear communication, transparency and making the process feel manageable are things we never take for granted.Whether yo...
21/05/2026

Clear communication, transparency and making the process feel manageable are things we never take for granted.

Whether you’re purchasing a property or refinancing, our goal is always to make the journey as smooth and stress-free as possible.

We really appreciate the trust our clients place in us and love being part of such an important milestone.

🏡 Negative Gearing Changes: What Investors Should KnowOne of the biggest talking points from this year’s Federal Budget ...
15/05/2026

🏡 Negative Gearing Changes: What Investors Should Know

One of the biggest talking points from this year’s Federal Budget was the proposed changes to negative gearing.
Under the proposed reforms, negative gearing for established residential properties would be limited from 1 July 2027, with the government aiming to shift investor focus toward new housing supply. Existing property owners would not be affected under the current proposal.

The changes are expected to influence how some investors approach future property purchases and long-term investment strategy.

With policy changes like these, it’s more important than ever to understand how your finance structure aligns with your goals.

📲 If you’d like to talk through what these proposed changes could mean for your position or future plans, we’re here to help.

The Federal Budget included several proposed housing and tax changes that could impact homeowners, investors and first-h...
14/05/2026

The Federal Budget included several proposed housing and tax changes that could impact homeowners, investors and first-home buyers.

We’ve broken down some of the key announcements and what they may mean for the property market moving forward.

📲 If you’d like to chat through how these changes could affect your plans, the ZT Finance team is here to help.

💬 It’s not just about the rateWhen it comes to home loans, a lot of focus goes straight to interest rates — but that’s o...
08/05/2026

💬 It’s not just about the rate

When it comes to home loans, a lot of focus goes straight to interest rates — but that’s only one part of the picture.

The right loan is about:
– Structure
– Flexibility
– Features that suit your goals
– And how it fits your situation now (and in the future)

In a changing market, making sure your loan is set up properly can make a bigger difference than most people realise.

📲 If it’s been a while since you reviewed your options, it might be worth a quick chat.

📢 RBA Update: Cash Rate Now 4.35%The Reserve Bank has increased the cash rate by 0.25% to 4.35%, marking the third rise ...
05/05/2026

📢 RBA Update: Cash Rate Now 4.35%

The Reserve Bank has increased the cash rate by 0.25% to 4.35%, marking the third rise this year.

With inflation climbing to 4.6%, the RBA continues to act to bring it back under control — adding further pressure for many homeowners.

It’s a good reminder to make sure your loan is still working for you.

📲 If you’d like to review your options or get ahead, we’re here to help.

🏘️ Why More Investors Are Focusing on Rental Income in 2026For many property investors, it’s no longer just about future...
30/04/2026

🏘️ Why More Investors Are Focusing on Rental Income in 2026

For many property investors, it’s no longer just about future growth — it’s also about how a property performs today.

With higher holding costs and changing market conditions, more investors are paying closer attention to rental income and cash flow when assessing opportunities.

That means looking at things like:
• Rental demand in the area
• Vacancy rates
• Yield potential
• Ongoing expenses
• Long-term suitability of the property

A strong investment strategy often balances income now with growth over time.

📲 If investment property is on your radar this year, we can help you understand your borrowing power and finance options.

Refinancing and securing additional lending can feel like a lot to navigate — but with the right guidance, it doesn’t ha...
29/04/2026

Refinancing and securing additional lending can feel like a lot to navigate — but with the right guidance, it doesn’t have to be.

Clear advice, strong communication and working hard behind the scenes are all part of helping our clients get the right outcome.

We really appreciate the kind words and the opportunity to be part of the journey.

🏡 What you think you can borrow… vs realityA lot of buyers are surprised when they find out their actual borrowing capac...
24/04/2026

🏡 What you think you can borrow… vs reality

A lot of buyers are surprised when they find out their actual borrowing capacity.

Things like:
– Living expenses
– Existing debts
– Interest rates

All play a bigger role than most expect.

Understanding your position early can save a lot of time (and stress) later.

📲 If you want clarity, we’re here to help.

Address

4/60 Carlton Parade
Carlton, NSW
2218

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+611300677167

Website

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