StephANIE Jordan • Melbourne mortgage broker · Australia-wide
Finally, a mortgage broker who actually explains things. Whether you're buying, investing or refinancing.
You're not underprepared, you've just never been shown how any of this works. So you could spend another six months piecing it together from group chats and advice your parents got in 2009. Or you could book one conversation and actually know where you stand, at a pace that suits you.
Ask the questions. All of them. Twice, if you want.
Ask the questions.
There is no version of this where you should feel silly for not knowing something you've never done before. You'll get straight answers, explained in a way that actually lands, for as long as it takes.
Most people say the same thing at the end of it. Not that it was hard. Just that it made far more sense than they expected.
The advice depends entirely on where you're starting from
What a first home buyer needs to know is completely different to what a refinancer does. Start with the one that's actually yours.
First home buyers
Grants, schemes, deposit, paperwork. All of it explained from the start, no assumed knowledge.
Buying Your Next Home
Timing the sale against the purchase, bridging finance, and a loan built for the life you have now.
Investment Loans
Designed to help you keep building your portfolio, not get stuck at one or two properties.
Refinancing
A better rate, a better structure, or equity you didn't know was sitting there.
The advice depends entirely on where you're starting from
What a first home buyer needs to know is completely different to what a refinancer does. Start with the one that's actually yours.
What clients tend to say afterwards
(Less about the rate than you'd expect. Mostly about how it felt to finally understand what was going on.)
"They helped me purchase my first home as a single female and guided me through the entire process. No question was silly."
Grace Doherty
"We were able to switch mortgages and saved $500+ per month in repayments."
Lyndall Sargent
"Fast forward 12 months, and Steph reached out to check in. It honestly felt like I was catching up with an old friend."
Skye Howden
What you get that isn't the loan
Any broker can get you a loan. *This* is what you'll actually notice.
You'll see your numbers, live
We share the screen and run your borrowing capacity across every lender while you watch. Change the deposit, watch the purchase price move. Most people have never been shown this, and it’s usually the moment the whole thing stops feeling abstract.
You'll get a plan, and the reasoning behind it
Every option laid out with the pros and cons, so you understand what you’re choosing before you choose it. We call it the Game Plan.
You'll still hear from us in three years
Repricing every six months, an annual review with a property valuation, and a broker who notices when your loan stops working before you do.
40+ lenders
40+ lenders, including the ones you've heard of
The Big Four, Macquarie, and a long list of smaller lenders most people never get shown. More options means a better chance one of them actually fits.
Meet StephANIE
Bought her first investment property at 19. Still can't stop talking about it.
Two more followed before twenty-five, then thirteen years as a rentvestor, then the family home, because apparently she wanted the full set. So when we’re talking deposits, structure and what you can *actually* afford, none of it’s theory. She’s done it, repeatedly, occasionally while pregnant.
Stephanie started ZARALEND because the industry had a gap roughly the shape of a broker you’d want to have coffee with. Less suit, fewer acronyms, nobody making you feel like you should already know this.
These days realestate.com.au and the Herald Sun ring her for comment and she mentors new brokers coming up behind her. The highlight of her week is still someone going *oh, that's what that means.*
Also a mum of two boys, which explains the answering-emails-at-9pm thing.
Have a look around first. (Everyone does.)
Borrowing Capacity Calculator
"What could I borrow?"
Most people want a number before they want a conversation. Perfectly reasonable. Here are three.
The one everyone wants first. Income in, a real number out, straight to your inbox.
Loan Health Check Calculator
"Is my current loan any good?"
Rate creep is quiet and it compounds. Two minutes will tell you whether yours has drifted.
Fixed Rate Expiry Calculator
"What happens when my fixed rate ends?"
See the repayment before it arrives, not after.
Soooo, what happens now?
Most people put this call off for months
Twenty minutes, Stephanie asks about your income, your deposit and your timing, and tells you honestly where you're at. Some people book the next step that afternoon. Some go quiet for six months and come back. Either way you'll hang up with a lot more clarity than you started with. Pick a time and she'll call you.
