My team does finance very well (and we've got the awards to prove it!), but time and experience has taught us that bags full of cash don’t make the sun shine any brighter.
I created Zella to not only give you access to absolutely zinging mortgages, finance options and asset finance, but also so you can access to a team who just get you. We’re also keenly interested in empowering you to make informed choices for your future.
Because it’s your journey, and we want to see you thrive.
At Zella, we believe money should never be a barrier to living the life you want. We are here to make sure that knowledge, access and support are always within reach.
We are not just about loans. We are about helping you build a life that feels exciting, achievable and true to who you are.
Whether you are buying your first home, upgrading, investing or simply exploring your options, we are here with expert guidance, real conversations and a genuine commitment to your success.
It is your journey. We are honoured to be a part of it.
We take the time to understand your full picture before we ever talk about loans. That means real conversations, honest questions, and a willingness to explain things as many times as you need.
We know that finance can feel overwhelming, confusing, or even a little intimidating. That's exactly why Zella exists. Every member of our team is here because they genuinely care about helping people feel more confident with their money, not just their mortgage.
We'll never make you feel rushed, judged, or like just another file on the desk. Whatever stage you're at, whatever your situation looks like, we're here to listen first and guide second.
If you're ready to take the next step, we'd love to hear from you.
Ready to talk to the team? We're excited to meet you! Shoot though an enquiry and we'll get back to you ASAP!
Get in touch
We used Jaclyn the Senior Finance Broker to buy our first home and she was amazing! She is so knowledgeable, made us feel valued and turned our dream into a reality. Can not recommend her enough! Shout out to Sal as well the Settlements Manager who helped make settlement nice and simple.
Chris Fallon
I cannot recommend Zella highly enough! Charlotte and the wider Zella team were with us every step of the way! They truly had our backs in securing the best home loan for our family. Prompt, informative and easy to deal with! Thank you so much for all your hard work!! xx
Olivia Jolliffe
I had a great experience with Zella from start to finish. The team was friendly and made our refinance super easy. Highly recommend!
Casey Sharrock
Huge thanks to Tara and her team! Highly recommend !
Maddie B
Bought my first home through Zella and so so glad I did! Georgia was extremely helpful from the start and patient with answering all of my stupid questions. Thank you again for everything!
Christine Untario
I really appreciated working with the team. They were really efficient, no question went unanswered and they were lovely to work with. I felt in good hands!
Jane Eldershaw
Tell us a little about where you're at, and we'll take it from there.
Let's chat
For most standard lending appointments, no. We're paid by the lender once your loan settles. In rare cases where applications are highly complex, a fee may apply, but we'll always discuss and disclose this with you upfront.
Yes. We use bank-grade security systems and are fully compliant with Australian privacy regulations. Your information is treated with the highest level of care and confidentiality.
Absolutely. We assist clients across Australia and have a thorough understanding of different state and territory regulations, grants and incentives.
We keep communication clear and simple. Your broker will be available via email and phone, and we manage documentation securely through our electronic portal. Your initial meeting can be held over the phone or by video call, depending on your preference. We're always just a message away if you need support.
To get started, we'll need documents such as identification, proof of income (like payslips or tax returns), details of your assets and liabilities, and statements for any existing loans or credit facilities. Your broker will give you a personalised checklist so you always know what's needed.
Your borrowing capacity depends on factors like your income, expenses, existing debts, credit history and the policies of individual lenders. We'll work with you to assess your position and give you a clear understanding of what's achievable.
Yes. Our brokers stay across all available incentives, including first home buyer grants, stamp duty concessions and guarantee schemes. If you're eligible, we'll help you understand how to apply and make the most of these opportunities.
Absolutely. We specialise in guiding first-home buyers through the process with tailored advice, clear communication and plenty of support along the way.
Banks offer their own products. We offer you options. As your broker, we take the time to understand your goals and financial circumstances before searching across a broad panel of lenders to find solutions that genuinely suit you. We also stay across the latest policies, grants and niche lender options that could make a real difference to your outcome.
We conduct a credit check early in the process to help us best assist you. Your score is safe with us. If you have any concerns about your credit history, please speak with your broker — we're here to support you.
Pre-approvals generally last between three and six months, depending on the lender. We'll guide you through the timeline and help you refresh your approval if your property search takes a little longer than expected.
Once your loan is formally approved, we'll guide you through the settlement process. We work closely with your solicitor or conveyancer to ensure all requirements are met and everything runs smoothly right through to settlement day.
Definitely. We understand the nuances of self-employed income and have extensive experience presenting applications for business owners in a way that resonates with lenders.
No. In addition to home loans, we also assist with commercial lending, investment loans, refinancing and asset finance. Whatever your finance goals, we're ready to support you.
Do we look familiar? You might have seen us on She's on the Money, Australia's number one business podcast, empowering over 1.2 million monthly listeners to take control of their finances. We'd love for you to join our community!
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