Established in 2015, Z2M Finance takes a more personal approach to wealth management. We make it a priority to get to know every client so we can be there to support and guide them at every step of their financial journey. In fact, more than 70% of our loan settlements are from repeat customers or client referrals.

Founding advisor, Heather Zhang, has over ten years experience in the property industry, and brings a wealth of knowledge and a strong network of professionals to extend the Z2M service. These include financial planners, accountants, leasing and equipment providers and debt management specialists.

Z2M Finance can help you with:

  • Home lending
  • Commercial purchases
  • Motor Vehicle Finance
  • Self-Managed Super Funds lending
  • Private and Alternative lending
  • Non-bank lending

Whether you’re about to buy your first property, or your next, Z2M Finance will be there for you every step of the way. From your first big step to your millionth.

Call us today on 1300 110 860 / 0411 062 338 or email [email protected].

We are available Monday – Friday from 8:30am to 5.30pm. Weekend and after hours consultation are by appointment only.


  1. Marianna

    Heather helped us refinancing our loan and she was absolutely perfect! Professional, full of ideas and went above and beyond to get us the best deal possible in this difficult market. It is the third time we worked with Heather and every time she proves that she is the best Mortgage Broker there is out there! Thank you Heather

    8 October 2022 at 8:21 am
  2. Shaoqing Zeng
    Shaoqing Zeng

    very helpful in home loan finance. thank you Heather.

    28 January 2022 at 4:28 pm
  3. Bellan

    Heather is the best broker we’ve ever worked with. Heather always put the customers best interests first and her services are second to none – One you hand over your home loans to Heather, you don’t need to worry about anything else.
    We have quite a few investment properties and the loan structure was quite complex. When the banks tightened the lending capacity, Heather quickly found a way to recommend the best solution. We were very impressed with Heather’s knowledge and quick turnaround time.
    I will highly recommend Heather for her always outstanding services and great work ethics.

    10 July 2021 at 3:02 pm
  4. Kai

    I would like to thank Heather for her exemplary services and impressive knowledge which helped me securing a loan for my first home!

    Being a first home buyer and like everyone else, I shopped around and tried out various channels before making any commitments. I first applied with St George directly and to my surprise, it didn’t go through. When I moved on with Heather, same bank, same profile, she identified the error in my first attempt (made by bank lender) and collated key supporting docs for a risk approval. It was a very time pressured settlement — no joke, Heather literally set up a reminder to chase the bank every morning.

    I cannot speak highly enough for her and her in-depth industry knowledge. If you come to her, you will surely be in safe hands. Thank you Heather!

    18 December 2020 at 2:23 pm
  5. Teng Lin
    Teng Lin

    Heather was recommended by a friend who had a home mortgage with her a few years ago. My house hunting process was long and stressful but Heather has been very patient and helpful from the very beginning. She is super professional and always happy to assist. We are so lucky to have her with our mortgage. Will definitely recommend her to friends.

    17 September 2020 at 11:35 am
  6. Katty

    I searched up Heather’s contact through NSM. From the first contact, both my husband and I knew we have picked the right broker for our property. Heather’s knowledge in the field and real estate background provided us invaluable information. It was a smooth process from beginning to the end, Heather hold our hands through each and every step, carefully and tirelessly explains every details to us. Heather is just a phone call/ text message away, always prompt in providing answer / feedback. Not only she provided us with an amazing service, she also helped negotiated good rates for us. We certainly will be engaging Heather for our future purchases.

    28 April 2020 at 7:40 pm
  7. June Yan
    June Yan

    Heather has been with me on my property investment journey since 2011. She has remained as my most trusted mortgage advisor. Heather is meticulous and takes the time to listen and truly understand my specific needs for each individual property. This is in addition to her relentlessly pursuing the best interest rates and terms for my ever-changing circumstance. Even months and years after closing the initial deal, Heather will occasionally call to make sure that my mortgages are still the best ones there are. It is through these and other little things that make me feel Heather has my best interest at heart. I would recommend Heather to anyone who is interested in forging a long-term association with a mortgage specialist who is rational, intelligent and genuinely cares.

    12 March 2020 at 2:28 pm
  8. Sigrid

    Heather was amazing! Quick thinking, always there to help and come up with solutions. She took a lot of hassle out of refinancing, buying and selling all at the same time. I would highly recommend Heather any time! She negotiated rates that our bank of 25 years simply could not match!

    17 February 2020 at 7:50 am

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