Smart Property Finance Made Simple
First home buyer specialist. Straight-talking advice, zero jargon.









































STEP 1: Discovery Phone Chat
Book a quick chat to find out how we can help.
STEP 2: Send us your documents
We'll give you access to our secure document portal to drag and drop your supporting documents in. Easy peasy!
STEP 3: Video strategy Meeting
Video meeting to review lender research and ask any and all questions. Choose your lending option.
STEP 4: Lodgement & approval! Let us take care of the rest!
Founder & Mortgage Broker
Whether you're buying your very first place, upgrading to your next one, adding an investment property, or just wanting a better deal on your loan, I've got you.
I started ZARALEND because I felt like there was a gap for brokers who are actually relatable and approachable, less finance-bro-in-a-suit energy, more someone you'd actually want to grab a coffee with. You won't find any of that stiff, intimidating stuff here.
I've been a broker for over seven years and a property investor since I was 19, so I've sat on both sides of the desk. I know what it's like to actually need this stuff to make sense, not just sound impressive.
My commentary is frequently sought after by realestate.com.au and the Herald Sun, and I mentor new-to-industry brokers as well. But honestly, the best part of my day is still those "oh, that actually makes sense now" conversations with clients.
I'll walk you through every step, explain what's actually happening and be your personal finance cheerleader. First home buyers hold a special place in my heart, there's nothing like helping someone buy their very first place. But wherever you're at, I'm here to guide you through it.
Skye Howden
I first worked with Steph 12 months ago when she went above and beyond to help me secure a mortgage at a time when I honestly thought all hope was lost. Her dedication, knowledge, and determination made what seemed impossible possible, and I'll always be incredibly grateful for the effort she put in to help me achieve my goal. Fast forward 12 months, and Steph reached out to check in. It honestly felt like I was catching up with an old friend. She said, "Let's see how your rate looks and work on getting you a better one!"—and that's exactly what she did. Steph and her team made the entire refinancing process seamless from start to finish. Their communication was exceptional, they handled everything professionally, and they made what could have been a stressful experience feel effortless. If you're looking for a broker who genuinely cares about their clients, goes above and beyond, and continues to look after you long after settlement, I can't recommend Steph and her team highly enough. They don't just help you get a loan—they build lasting relationships and truly have your best interests at heart. Thank you again for everything. I'm so grateful for your ongoing support!
Emma Ide
Stephanie and her team were an absolute delight to work with when we engaged her as our finance broker for the purchase of our home. From the very beginning, her guidance, positivity and unwavering support made what can often be a stressful and overwhelming process feel smooth and manageable. Stephanie took the time to find the right loan for our needs and was always approachable, knowledgeable and responsive throughout the journey. We were referred to her through word of mouth, and we can now confidently recommend her to anyone looking for an exceptional finance broker. It didn’t matter that we were interstate—everything was handled seamlessly, starting with a simple online meeting, making the entire process incredibly convenient. We can’t thank Stephanie enough for everything she did for us and wouldn’t hesitate to engage her again in the future. We highly recommend Stephanie and her team to anyone looking for professional, personalised and outstanding service.
Grace Doherty
Steph and her team were an absolute pleasure to work with. They helped me purchase my first home as a single female and guided me through the entire process. No question was silly. Couldnt be any happier with the service provided, highly recommend!!
Alana Andrews
Stephanie and her team were able to arrange a better rate for our loans even though we already had a competitive rate. The transition to the new lender was smooth and Stephanie was prompt to assist with any enquiries and offered support whenever needed. Highly recommend.
Matt Fell
Cannot recommend highly enough. Stephanie is a champion!!
Michelle Price
Steph was incredibly helpful and attentive during a very difficult time and went above and beyond to get a great outcome. Her friendliness and professionalism at all stages in the process and willingness to answer any questions I had made the whole experience so easy and positive and I would highly recommend her services to anyone looking for a fantastic broker who truly has her clients' best interests at heart. Thank you Steph!