Gary Zhang - Aussie Finance Broker

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Perth, WA
Gary Zhang - Aussie Finance Broker

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Exploring financing options for real estate purchases or refinancing.

01/10/2026

The RBA has raised the cash rate by 0.25%, and your repayments could go up if your lender passes it on.

Now may be a good time to ask the question: is there a better rate out there? An Aussie Broker can help you find out, with access to a range of lenders and loans. You don't have to navigate rate changes on your own.

Book a free^ chat with an Aussie Broker.

18/03/2026

Ready to step into your first home? Discover the government support you could access with Gary by your side.

18/03/2026

Is your home loan still the right fit? Let Gary help you make sure it’s working as hard as you are.

12/09/2025

🌟 From Hardship to Hope 🌟

A client recently approached me feeling stuck and overwhelmed. He had been placed on a hardship arrangement with his lender, paying a sky-high interest rate, and desperately wanted to refinance to a better lender and access cash out to renovate his home.

Unfortunately, he said that a few lenders took one glance at his credit history and simply said no.

When I reviewed his case, I found there was a genuine and compelling reason for the hardship. His situation wasn’t about poor financial habits - it was about life circumstances completely outside of his control. I knew his story needed to be told properly.

So I prepared a detailed submission to one of the major banks, backed with clear explanations and strong supporting evidence that truly reflected his situation. The application eventually landed on the desk of a senior credit manager, who personally picked up the phone and spent nearly half an hour with me digging into the details.

By the end of that conversation, the loan was approved. 🙌

✅ A significantly lower interest rate
✅ A substantial cash out for long-overdue renovations
✅ And most importantly - the client who felt heard and relieved

Moments like this remind me that behind every application is a real person with a real story - and with the right advocacy, even the hardest cases can turn into success.

25/08/2025

✨ Your first home could be closer than you think! 🏡 – changes are coming from 1 October 2025!

Getting into the property market can feel overwhelming, but from October the First Home Guarantee is expanding to make the journey easier:

✅ Buy with just a 5% deposit – no Lenders Mortgage Insurance (LMI) required.

✅ Income caps removed – more buyers can qualify.

✅ Higher property price caps – in Perth, up to $850,000 (other cities: $1.5M Sydney, $950k Melbourne, $1M Brisbane).

✅ Single parents may even be eligible to purchase with only a 2% deposit.

This means thousands of Australians will have a better chance to step into their very first home.

Of course, buying with a small deposit means borrowing more – so having a clear plan and the right advice is really important.

👉 If you are dreaming of buying your first home, let’s have a chat. A little preparation now could make all the difference when the scheme launches in October.

https://www.aussie.com.au/mortgage-broker/gary-zhang/

21/08/2025

Get ready for Spring: Win $10K with Aussie’s Book. Chat. Win Competition

Spring property season isn’t just busy, it’s a race. More homes are hitting the market, buyers are moving fast, and decisions are being made in days, not weeks.

Recent RBA rate cuts mean many Australians can borrow more or enjoy lower repayments, creating a window of opportunity for buyers, upgraders, refinancers, and investors.

Aussie’s Book. Chat. Win. competition is your chance to make that next move with an extra $10K in your corner.

From 14 August to 14 December 2025, we’re giving away $10,000 every week for 17 weeks, just book and attend an appointment with an Aussie Broker or Buyer’s Agent to enter.

That’s it. One chat could put you on the path to your property goals, and into the draw for $10K that could make the next step easier.

https://www.aussie.com.au/mortgage-broker/gary-zhang/

Disclaimer:
T&Cs apply. AU 18+ only.

14/08/2025

Most lenders don’t automatically pass on an RBA cut, and even if they do, it might not be a good deal. You still have to call them to access it.

If you have to make one call, call me. I’ll check your rate and compare 25+ lenders**, 4,000+ loans to help you get the right deal.

DM me or book your free^ chat →
https://www.aussie.com.au/mortgage-broker/gary-zhang/

07/08/2025

🏡First Home Buyer Support – Beyond A Transaction

Last Friday night, I received an urgent message from my client - a first home buyer working FIFO night shifts. I had secured her home loan approval, and settlement was scheduled for Monday.

But out of the blue, she texted me feeling anxious about the settlement conditions, although we had discussed everything. I could sense her stress, so I encouraged her to call me right away. We walked through the settlement conditions again step by step, until she felt completely reassured.

This is what my job is really about.

It is beyond a transaction - it is about understanding and being available when our clients need support the most. For them, it is the home, a life milestone and a dream coming true.

On Monday, settlement went through smoothly and she was absolutely relieved and happy.

These are the moments that make my job all worth it.

Lendi Aussie

01/08/2025

🏡 Success Story: Beating the Clock to Secure a First Home!

In April, I assisted my clients in securing finance pre-approval along with a place in the First Home Guarantee Scheme (FHBG) - allowing for 95% LVR and a full waiver of Lenders Mortgage Insurance (LMI). That meant only a 5% deposit and a potential over $30,000 saving on LMI costs right from the start.

But the market was tough. Despite their early efforts, nearly 3 months of searching in a highly competitive market, challenges piled up:

🔸 Properties were priced above the FHBG’s cap
🔸 Their offers were not strong enough to compete

With their FHBG expiring in July, and their latest taxable income soon pushing them above the eligibility threshold, the clock was ticking.

That was when I brought in one of our trusted Aussie Buyer's Agents, who utilised the right strategy and market expertise. Within just weeks, our team secured a property for my clients - just in time.

From there, I worked closely with the lender to prioritise the finance approval, ensuring nothing was left to chance.

✅ Property secured
✅ FHBG deadline met
✅ LMI waived
✅ Only 5% deposit needed
✅ Very happy first home buyers!

It is moments like these that make my work so rewarding. Helping clients navigate the challenges and come out on top 💪

22/07/2025

🚀 Super Fast Home Loan Approval!

Just had a standout experience with Suncorp this week — lodged a home loan application at 10:21 AM and received formal approval by 2:15 PM the same day! 🔥

That was under 4 hours from start to finish. This incredible turnaround made a huge difference for my clients who were eager to move forward with confidence and zero stress.

Kudos to the Suncorp team for delivering such streamlined and efficient service — a great example of how a great process can truly support brokers and clients alike. 👏

Address

Perth, WA

Website

https://g.co/kgs/r9FhNn7, https://www.aussie.com.au/mortgage-broker/gary-zhang/

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