What are the opening hours?

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

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.

15/09/2026

🏡 What does a property valuation actually mean?

When you’re buying a property, your lender may arrange a valuation to determine what they believe the property is worth.

Why does it matter?

The lender uses the valuation to help assess how much they’re prepared to lend against the property. And importantly, the valuation doesn’t always come back at the same amount as the price you’ve agreed to pay.

If there’s a difference, it could affect your loan amount, deposit or overall finance options.

It’s just one of the many steps in the home loan process that we’re here to help you navigate.

📲 Have a question about valuations or the buying process? Get in touch with the ZT Finance team.

10/09/2026

💛 Today is R U OK? Day.

A simple question can make a real difference.
Take a moment today to check in with a friend, family member, colleague or someone you haven’t heard from in a while.

You don’t need to have all the answers. Sometimes, simply asking “Are you OK?” and taking the time to listen is enough to start a meaningful conversation.

And remember, you don’t have to wait for R U OK? Day to check in.

04/09/2026

🏡 Thinking about your next investment property?

Recent changes to negative gearing rules could influence how property investors approach their next purchase, with more attention likely to be placed on new builds, rental yield and cash flow.

While tax considerations are something to discuss with your accountant or financial adviser, your finance strategy is also an important part of the picture.

Understanding your borrowing capacity and loan options before you start looking can help you work out what makes sense for your circumstances.

📲 If another investment property is on your radar, speak to the ZT Finance team about your finance options.

03/09/2026

⭐ 300 times you’ve taken a moment to share your experience with us.

We’re incredibly grateful to every client who has left a review, recommended ZT Finance to family and friends, or chosen to come back to us over the years.

Reaching 300 five-star Google reviews is a milestone we’re very proud of. Thank you for your continued support — it means a lot to our whole team. 💙

28/08/2026

🏡 A construction update!

Another milestone reached for our clients and their new home in Sunbury, Melbourne.

A few snaps from the latest stage of construction as their new home starts to become a reality.

21/08/2026

Buying a home is about more than just saving for a deposit.

There are a few additional costs that are worth planning for before you start your property search.

These can include:
• Conveyancing or legal fees
• Building and pest inspections
• Government charges, such as stamp duty (where applicable)
• Moving costs

Understanding these expenses early can help you budget with confidence and avoid unexpected surprises.

📲 If you’re getting ready to buy your first home, we’d be happy to help you understand what to expect and prepare for the journey ahead.

19/08/2026

“How much deposit do I actually need to buy a home?”

It’s one of the questions we’re asked most, and the answer isn’t the same for everyone.

Swipe through to learn more about what can influence the deposit you’ll need.

14/08/2026

Sometimes the right outcome isn’t about trying harder—it’s about having the right team in your corner.

Every situation is different, and when challenges come up, we work hard to explore the options and help our clients achieve their goals.

Congratulations on your new home, and thank you for trusting the ZT Finance team to be part of the journey.

11/08/2026

📢 RBA Update: Cash Rate Remains on Hold

The Reserve Bank of Australia has left the cash rate unchanged at 4.35% at today’s meeting.

While inflation has shown signs of slowing, it remains above the RBA’s target range, so the Bank is continuing to take a cautious approach as it monitors economic conditions.

For homeowners, today’s decision provides some certainty. It’s also a good reminder to review your home loan and make sure it still suits your financial goals and circumstances.

📲 Whether you’re considering refinancing, buying your first home or exploring your options, the ZT Finance team is here to help.

07/08/2026

Applying for a home loan isn’t just about finding the right property—it’s also about avoiding common mistakes that can slow the process down.

These are four of the most common reasons home loan applications are delayed.

The good news? Most of them can be avoided with a little planning and the right advice.

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

http://www.ztfinance.com.au/

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