Find Your Zero

The Right Mortgage Broker Can Save You Thousands $$$

Are You Working with the Best?

Homeownership is a major financial commitment, and at Find Your Zero, we take it seriously.

Finding your dream home is exciting, the real challenge is finding the right experts to help you make it happen— quickly and stress-free. That’s where we come in.

📞 Call us now at 0405 442 897 and let’s turn your homeownership dream into reality!

The Challenges Every Homebuyer Faces

Whether you are new to buying a home, upgrading, refinancing, or considering consolidating your debts into one manageable repayment, where to begin can feel overwhelming. With constantly changing interest rates, confusing bank policies, and misleading media headlines, it’s hard to know what’s actually in your best financial interest.

One minute, you hear the media saying “Now isn’t the time to buy” or "Prices are going to crash" so you hesitate and wait for a bargain, but then nothing happens or worse still prices go up and suddenly your savings are no longer enough to buy your dream home. Let’s not forget the rising cost of living, increasing mortgage repayments, and the struggle to get loan approvals when the banks keep tightening lending rules.

Thankfully the latest February 2025 RBA rate drop announcement of 0.25% has finally arrived, but now you can add that to your long list of confusion and what if's wondering how that impacts your borrowing capacity.

No wonder so many Australians feel frustrated, confused, and financially stuck.

Where Banks and Other Brokers Fall Short—We Go Further

Most Banks and other Mortgage Brokers have sales targets or chase volumes, pushing through as many applications as possible to boost profits. But at Find Your Zero, we prioritise quality over quantity—and that’s why our customers stay with us for life.

What We Do Differently

✅ We Save You Thousands—by structuring loans strategically to maximize your savings
✅ We Work for YOU, Not the Banks—ensuring you get the best deal, not just the easiest approval
✅ We Handle the Stress—navigating negotiations and applications so you don’t have to
✅ We Provide Ongoing Support—long after your loan settles, we continue looking after you

More Than Just a Mortgage Broker

At Find Your Zero, Belinda Mangani and her team aren't just your average Mortgage Brokers. As a multi award finalist Belinda Mangani has been recognised by the finance industry for her contribution towards providing her customers with Customer Service Excellence and Award winning Financial Wellbeing programs. This coupled with over 20 plus years of experience in home loans and real estate, she’s also a Diploma-qualified NLP Certified Coach.

This means she understands behaviour and mindset strategies—allowing her to go well beyond the numbers and focus on educating clients on financial literacy and smart money habits.

Her ultimate goal? Helping you repay your home loan in 7-10 years instead of 30—saving you hundreds of thousands in interest and setting you up for financial freedom faster.

Home Loans for Every Buyer

Belinda Mangani's passion and focus is on education and financial literacy and the positive flow on affect that good money habits can have on your life and financial future. With this in mind, Belinda loves to share her skills of money management with first-home buyer, those seeking to upgrade their home, refinancing for a better rate, or looking to consolidate debt, we specialise in customising your loan strategy to fit your goals whatever your life stage is.

💰 Buying Your First Home?

We promise to hold your hand throughout every step of your journey, making sure you access all available grants and schemes allowing you to focus on what's most important - finding your dream home

💰 Looking to Upgrade or add a property to your portfolio?

We promise to research all possible solutions ensuring your home loan works for your lifestyle—without unnecessary costs. Bridging finance options sometimes work allowing you to retain your existing home, move into the new one and then sell at a later date. Criteria and restrictions do apply and costs can be costly. Our promise is to always keep you informed so that you can make the best decision based on your current position and future goals.

💰 Refinancing?

We understand that life changes along the way, so to do your home loan needs. Let's face it, everyone wants the cheapest interest rate possible. Problem is most Lenders and Banks advertise interest rates usually based on their cheapest rate which is typically for borrowings under 60%. Unfortunately this is where most people fail due to home valuations dropping or not realising how LVR is calculated. Our promise to you is to educate you so that if their is a better deal available, that can potentially save you thousands in interest we will find it for you. On that note, a word of warning : Beware of unscrupulous Lenders and/or Brokers who knowingly refinance you for their financial benefit without you even realising that you have just incurred LMI (Lenders Mortgage Insurance) yep that's correct the worst I have seen over the years is customer paying $35k in LMI without even knowing it was included let alone what it was.

💰 Debt Consolidation?

Some may argue, that consolidating all your debts (such as high interest car loans, credit cards and personal loans) into your mortgage will cost you $$$ thousands extra in interest and often also adds years onto your home loan. Sometimes circumstances change and surviving becomes your top priority and maybe the only solution verses loosing your home. We are committed to helping you find the best solution. We understand that sometimes life doesn't go to plan and reducing your monthly repayments and relieving financial stress is a temporary adjustment. Our promise is to ensure you are informed of the consequences and costs of this action so you can make an informed choice that works for you.

The Find Your Zero Difference

We don’t just find loans—we build financial security for our clients. With Belinda’s expertise in mortgage broking, NLP coaching, and financial literacy, we don’t just get you a loan—we help you create a plan to pay it off faster and get ahead financially.

Start Saving Today

📞 Call Belinda Mangani on 0405 442 897 or Book a Free Consultation Now.

Because the right Mortgage Broker doesn’t just get you a loan—they set you up for financial freedom.