
About us
With a dedication to personalised service and expert advice, we are here to guide you every step of the way.
Mortgage broker with more than 12 years' experience
Zero Mortgage is a local Canley Vale brokerage delivering mortgage solutions across Canley Vale, Canley Heights, Cabramatta and surrounding areas. Our team, led by an experienced industry director, has helped thousands of clients and been involved in arranging more than $1 billion in lending. We offer access to the Big Four banks alongside dozens of other Australian lenders, giving clients a broad range of Home loans, First home buyers, Refinance, Investing, Pre approval, Personal loans, Commercial loans, Construction loans, Business lending, Vehicle finance, SMSF finance, Asset finance, Bridging loans and Debt consolidation products.
Clients choose Zero Mortgage for practical support through every stage of the loan lifecycle. We select from thousands of loan products to find appropriate options for owner-occupiers and investors, and provide flexible availability seven days a week including after-hours with face-to-face appointments by request. Our office is at 9 Canley Vale Road, Canley Vale, NSW 2166, Australia, and we manage applications with clear communication and hands-on oversight from enquiry to settlement.

Simon Tran
Managing Director
Phone: 1300 474 888
Email: simon
Simon has more than 12 years in the lending industry and has assisted thousands of Australians, arranging in excess of $1 billion in lending. He focuses on residential home loans, refinances and investment lending, and brings deep experience negotiating with major banks and specialist lenders. As Managing Director at Zero Mortgage he is known for clear, practical communication, a hands-on approach to managing applications and settlements, and a readiness to meet clients outside usual hours or at locations that suit their busy lives.

Vanessa Tran
Lending Specialist
Phone: 0431 599 483
Email: vanessa
Vanessa brings practical lending experience and a calm, personable approach to client interactions. She specialises in assessing scenarios, explaining options clearly and guiding borrowers through each step with patience and clarity. Her background includes working with diverse loan types and balancing detailed analysis with strong communication. At Zero Mortgage Vanessa focuses on building trust, simplifying complexity and delivering reliable support during pivotal decisions. She is known for professionalism, responsiveness and steady problem solving.

Huynh Tran
Lending Specialist
Phone: 0403 283 799
Email: huynh
Huynh brings a calm, client-centred approach to lending, drawing on extensive experience in home finance and personal lending solutions. He excels at explaining complex options clearly and guides clients through each step with patience and practical insights. As a Lending Specialist at Zero Mortgage, Huynh focuses on building long-term relationships, assessing needs precisely and organising applications efficiently. He is known for clear communication, reliability and a steady focus on helping clients reach their home ownership goals.

Andy Tran
Lending Specialist
Phone: 0403 619 772
Email: andy
Andy has built a career helping Australians navigate home lending with clarity and calm. As a lending specialist he focuses on practical solutions, clear explanation of options and steady support through each step of the loan journey. Colleagues describe him as methodical, patient and responsive, qualities that ease complex decisions. At Zero Mortgage Andy draws on industry knowledge and strong communication skills to guide clients toward achievable outcomes, remaining committed to ongoing professional development and reliable client service.
Our services
We offer comprehensive support for all your home loan and finance needs across a range of services. No matter who you are, our experienced team is committed to finding the right options tailored to your unique situation.
Common questions and answers
In addition to offering competitive rates, we pride ourselves on being available to help with whatever questions you have throughout the life of your loan. We don’t discriminate against first-time buyers or experienced investors – no matter who you are, we’re committed to being there when you need.
What does a broker do?
A broker is a finance professional who will work with you one-on-one to discuss your borrowing goals and help you determine how much money you can qualify for. They typically provide a more personalised level of service than you would receive from a lender and also have access to loans from multiple lenders, so they can find the best loan terms for your unique situation.
Do you charge fees for home or investment loans?
There are no extra loan repayments or fees when you take out a loan through a broker. A broker is simply paid commission by the lender for introducing new business, but this doesn’t affect your interest rate or other aspects of the loan agreement.
Is it more expensive to use a broker?
Using a broker is free for you because the lender pays your broker. With access to hundreds of loan products from various lenders, brokers will find the ideal loan for you and your circumstances. In most instances, this is a combination of the lowest available rate at the time and product features that are most convenient for you.
Some brokers charge service fees, which must be disclosed before they provide their services.
How much can I borrow?
While our borrowing calculator can give you a decent idea of how much money you may be able to take out, for a more precise assessment, please get in touch with our team. We can then go through your options with you and chat about your circumstances in further detail.
Should I go for a fixed or variable rate?
Just as the name suggests, variable-rate home loans have interest rates that change over time. They are often more flexible than other types of loans, with features like redraw facility and extra payment options. However, they do not have fixed repayment amounts.
On the other hand, fixed-rate home loans come with predictable monthly repayments – you will know exactly how much you need to pay each month for the entire duration of the loan term. These kinds of loans might not be as flexible in terms of features but offer borrowers peace of mind when budgeting repayments.
In choosing which type of loan is right for you, it’s good to weigh up what’s most important to you – whether that’s flexibility or certainty around your monthly repayments.
Which lenders do you work with?
Because we are connected to a mortgage aggregator, we have the privilege of being able to source loan options from over 50 different lenders. This means that we can help you find multiple suitable options for you and your specific situation.
Mortgage broker services across Canley Vale
Although we service clients Australia wide, we offer specialised support in areas across Canley Vale with lender access, home loan help and finance options tailored to our local community.

