About - Decis Mortgage

Here to assist you in finding the right lending solution

Decis Mortgage is a Sydney-based mortgage brokerage helping individuals, families and property investors secure lending solutions that support their goals. While based in Sydney, we work with clients across Australia with particular experience supporting property investors and self-employed clients.

Whether you are buying your first home, refinancing an existing loan or growing a property portfolio, we provide practical guidance to help you understand your options and move through the lending process with confidence. Our approach is built on honest advice, efficient service and tailored lending strategies, helping clients improve borrowing capacity, structure loans for portfolio growth and find solutions that support sustainable wealth creation over time.

Mini Zhang

Director / Senior Mortgage Broker

Email: mini@decismortgage.com.au

Mini has dedicated many years to the mortgage lending and property finance sectors, establishing herself as a knowledgeable professional in the field. As the founder of Decis Mortgage, she has gained extensive experience working with a diverse clientele, including first-home buyers, upgraders, property investors, and self-employed borrowers. Mini’s deep understanding of lender requirements across Australia allows her to navigate complex situations effectively.

Renowned for her meticulous attention to detail and client-first approach, Mini is passionate about empowering clients to build long-term wealth. She provides hands-on support throughout the negotiation and settlement processes, ensuring each decision aligns with her clients’ financial goals.

We provide extensive assistance for all your financing and home loan requirements across a variety of services. Regardless of your background, our knowledgeable professionals are dedicated to identifying the most suitable options for your specific circumstances.

Home loans

Selecting the appropriate loan configuration can significantly impact your mortgage over time. With access to numerous lenders, we’ll assist you in evaluating and selecting a home loan that aligns with your requirements.

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First home buyers

Finding a home is a vital choice, but obtaining the right mortgage is equally crucial. With connections to over 40 lenders, our experts can aid you in securing an attractive offer or locating the ideal lender for your initial property purchase.

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Refinance

As a dedicated mortgage brokerage, we provide clients with competitive pricing and access to an extensive array of products available in the market. You could be losing out on substantial savings each year by not considering refinancing, so reach out to us today.

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Investing

A growing number of Australians are seizing opportunities to invest in real estate. With various products and lenders available, this is a prime moment to thoughtfully enhance your investment property portfolio.

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Pre approval

Obtaining pre-approval gives you insight into your borrowing capacity before you begin making offers. We will assist you through each step, prepare your application, and collaborate with the lender to secure an approval.

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Commercial loans

Commercial lending varies significantly based on your business’s structure, cash flow, financial situation, and the asset being financed, making it essential to establish the loan correctly.

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Construction loans

The construction process involves a unique lending approach, requiring progress payments throughout different phases. Our team can assist in securing approvals and liaising with your lender to ensure funding is aligned with the project’s timeline.

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Business lending

Securing finance can enhance your cash flow, facilitate growth, or provide avenues for new ventures. We will evaluate your specific requirements and suggest business lending solutions that fit your operational needs.

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Vehicle finance

Whether you need a personal vehicle or a fleet option for your business, suitable financing can help you obtain favourable rates, lower overall costs, and maintain manageable repayment schedules.

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SMSF finance

Utilising a self-managed super fund to acquire property comes with specific regulations and a unique loan framework. We’ll assist you in examining SMSF lending possibilities and guide you through the necessary steps.

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Asset finance

With asset finance, you can obtain essential equipment without straining your cash flow, covering everything from machinery and technology to tools and installations. We can assist you in selecting a financing approach that aligns with your business needs.

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Common questions and answers

We not only provide competitive rates but also ensure our availability to assist you with any inquiries throughout the duration of your loan. Whether you are a first-time buyer or a seasoned investor, we are dedicated to being there for you when you need us most.

What does a broker do?
Do you charge fees for home or investment loans?
Is it more expensive to use a broker?
How much can I borrow?
Should I go for a fixed or variable rate?
Which lenders do you partner with?

We service clients Australia Wide as well as support across Sydney’s entirety with lender access, home loan help and finance options tailored to our local community.

Want to find out more? Contact our expert mortgage broker support team.

About

Learn more about our history and success operating in the mortgage industry.