Home loans, asset finance and private funding — tailored to you.
A Box Hill mortgage broker with access to bank and non-bank lenders. Straightforward or complex, we compare the options and find the loan that fits. English and 中文.
Every client is different. Your loan should be too.
Going bank to bank, or searching online, means comparing one lender at a time. We look across our full panel and tailor a solution to your situation — then help you plan for the next loan, not just this one.
First home, upgrade or refinance
Pre-approval, a clear view of what you can borrow, and a sharper rate when you refinance.
Investors
Portfolio structuring, equity release, multiple securities.
Self-employed and business owners
One year of returns, a newer ABN, add-backs the bank won’t count on its own.
Contractors and tradies
Irregular income, multiple income streams.
Complex or urgent
Short settlements, credit impairments, situations that need private funding.
Credit health and long-term planning
Understand your credit file and build the repayment habits that make future borrowing easier.
Complex files, placed.
Alongside everyday home loans, some files need more than a standard application. Here are a few we’ve placed — each one declined elsewhere or on a tight deadline.
Self-employed consultant, ABN under two years
Declined by two major banks as too new. Refinanced through a lender that assesses one year of returns, with add-backs applied.
More home loan cases →Contractor buying a work vehicle on ABN alone
No financials and a contract starting that week. Approved on ABN and asset details, settled through a private sale.
More asset finance cases →Purchase settling before a sale completed
Bought before the existing property sold, with a fixed settlement date approaching. Short-term private funding covered the gap.
More private funding cases →Based on real client files. Details changed and identifying information removed. Every application is assessed on its own circumstances — past outcomes don’t indicate what any lender will approve for you.
Most of our clients have straightforward loans — our job is to compare lenders and get them a sharper rate and a better-fitting product. When a file is more complex, that’s where experience matters most.
No cost to you. Nothing hidden.
Using a broker for your home loan costs you nothing extra — it’s the same as applying at the bank yourself, except we compare lenders and tailor the loan to you. Lenders pay us a commission, and we tell you exactly how much, and on what terms, before you proceed.
See our commission disclosure →How it works, step by step
1 · Understand & plan
- 1
Phone call with an Ezlend broker
Tell us what you’re trying to do. We’ll tell you what’s likely to work.
You receive our Credit Guide and Privacy Consent
- 2
Face-to-face or online interview
Meet at any of 20+ Waterman workspaces across Melbourne, or online.
- 3
Send documents
We tell you where to download each one, and can walk you through it.
- 4
Broker analysis & customised loan solution
We compare lenders and build the loan around your situation.
Options within 48 hours
- 5
You agree to the proposal and sign
Your proposal shows the commission we’ll receive.
2 · Apply & approve
Ezlend prepares your application
- 6
Review and e-sign your application
- 7
Submitted to lender
Weekly updates
- 8
Approval
3 · Settle & support
- 9
Sign loan documents and open your bank account
- 10
Settlement
- 11
Post-settlement support
Questions after settlement? Your broker is still here.
Lenders
The lenders we work with — click a logo to visit that lender’s website.
Talk to a broker in English or 中文
Office: Monday to Friday, 9:00 AM – 5:00 PM. Evenings and weekends by appointment.
Where to find us
Ezlend Group
Waterman Box Hill, Suite 3, Level 1
Sky Sqr, 519–521 Station St
Box Hill VIC 3128
Office: Monday to Friday, 9:00 AM – 5:00 PM. Evenings and weekends by appointment.
Estimate your repayments
$2,997.75
per month
Total interest over the loan: $579,191
Want to know what rate you could get? Call 03 8564 8128
Estimates only. Not credit assistance. Actual repayments depend on your lender’s rates, fees and assessment. Interest is typically calculated daily and charged monthly, which may produce slightly different figures.