Your Partners
In Property
And Financial Success

Your Partners
In Property And
Financial Success

With over a decade of finance experience and banking experience our team delivers expert guidance and exceptional care at every step.
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We Pride Ourselves on
Exceptional Service

At Fruition Financial, we believe finance is personal, and every client deserves more than just a transaction. We take the time to truly understand your situation, goals, and concerns, then stay by your side throughout the entire journey.

From your first conversation through to settlement and beyond, you'll experience a level of care and attention that goes above what most brokers offer. Our success is measured not just by securing great loans, but by the relationships we build and the peace of mind we provide along the way.
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OUR VALUES

At Fruition Financial
We Value You

Accountability

Service

Simplicity

Integrity

Owning Every Outcome

We take full responsibility for our actions and decisions, ensuring we're answerable to our clients at every stage. Accountability means delivering on our promises, staying transparent when challenges arise, and always doing what's right for those who trust us with their financial future.
Clients Come First, Always

Exceptional service isn't optional, it's how we operate every single day. We put your needs at the center of everything we do, responding promptly, communicating clearly, and going the extra mile to ensure your experience exceeds expectations. Your satisfaction and success drive us forward.
Fast-Track Your Pre-Approval

We'll manage the entire application process from start to finish, keeping you updated every step of the way. With constant communication throughout, you'll never be left wondering where things stand, we're with you until approval comes through.
Secure Your Dream Property

With your pre-approval secured, you're ready to make your move. Armed with certainty and the right finance in place, you can confidently purchase your dream home knowing we've set you up for success.

MEET THE TEAM

Zack Raad

Director & Principal Broker

Mark Bigeni

Chartered Accountant

Alanah Toy

Chartered Accountant
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We used Zack to buy our first home! He took all the stress away and supported us in every way possible. We couldn’t be more grateful and have found a broker we will use for life. Thanks Zack!

Larissa Humphreys

We cannot recommend Fruition Financial highly enough. We've been trying to get a suitable home loan for YEARS with many different brokers unsuccessfully. Fruition Financial just go above and beyond for you. We can finally say thanks to them we now have our approval that we've waited years for through their determination and work ethic 🤩

Leah Lewis

Zack was absolutely incredible to work with!He made the entire process smooth, stress-free and easy to understand from start to finish. He went above and beyond to get us the best possible outcome and communication with him was a breeze always keeping us in the loop and he was very on the ball. I couldn’t recommend Zack more highly!

Katie Thain

Zack is absolutely brilliant at what he does. Not only was he great at getting the right finance and interest rate for us, he is one of the loveliest guys you could meet. We felt like we had know Zack for ages and he is so easy to talk to, you can really tell he cares about his clients. We were never left chasing him. I wouldn’t use any one else for financing after finding Zack.

Kay Mac

I gave Zack & his team a tough task which included tight deadlines that was navigated to the highest level. His knowledge & experience in this industry was on display during this one! Well done Team, Well done!

James Coote

Zack (Mr wonderful) was such a big help not only successfully obtaining my new investment property but guiding me through all the property reports and choosing the right financial institution to meet my need’s. He was always there at odd hours late at night and weekends to help with the choices and many questions. Thank you Zack

Rachelle Barbara

We have worked with Mark and now Zack for close to 2 years.We have worked with others within this industry for many many years from a commercial and private position, and this team ‘clearly is far and above any others in financial services’ that I have dealt with. Almost everytime you get the result you want from accounting to lending/borrowing. In my opinion, if you are reading this you should do yourself a favour and make contact with them especially is you are a SME.

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Discover Sports Group

Where to begin! My partner and I have been on the hunt for a home for a little while and Zack has been nothing but helpful and patient through the whole process. As of last week we finally secured our first home and could not have done it without Zack! So extremely happy with all outcomes!

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Brittany Gocher

Zack has been an absolute lifesaver during our home loan journey. After our initial pre-approval, our situation unexpectedly changed, and we thought we’d face major delays. But Zack stepped in, reassessed everything, and got us a brand-new unconditional approval in less than 24 hours. His speed, expertise, and steady communication kept us calm and confident throughout. If you’re looking for someone who genuinely has your back and gets things done, Zack is the person you want by your side.

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Bovas Babu Joseph

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FAQs

Looking for an answer?

Why should I use a mortgage broker instead of going straight to the bank?
Going directly to your bank limits you to their products and rates, and contrary to popular belief, it's often more expensive than using a broker. Banks can only offer their own loan products, while Fruition Financial has access to 40+ lenders with hundreds of loan options. We compare the market on your behalf, negotiate better rates and terms, and find the loan that best suits your situation, not just what one bank has available.
How much can I borrow and what will my repayments be?
Your borrowing capacity depends on several factors including your income, expenses, credit history, existing debts, and employment situation. Lenders assess your ability to comfortably service a loan while maintaining your current lifestyle. Your repayments will depend on the loan amount, interest rate, and loan term you choose. We'll work with you to determine a realistic borrowing capacity and show you exactly what your repayments would look like across different scenarios. Feel free to explore our repayment calculator or get in touch for a personalised assessment.
What happens after my loan settles?
Our relationship doesn't end at settlement, that's just the beginning. We stay in touch to ensure your loan continues to work for you as your life circumstances and the market evolve. We conduct annual reviews to check you're still getting competitive rates and the right loan features, and we're here whenever you need advice on refinancing, purchasing additional properties, or any other finance needs. Consider us your finance partner for life, not just for one transaction.
How are mortgage brokers paid?
Mortgage brokers are typically paid by the lenders you choose, which means our service comes at no cost to you in most situations. In certain specialised or complex cases, we may charge a fee for our services, but if this applies, we'll provide a Credit Quote upfront so you know exactly what to expect. We believe in complete transparency, so we'll always disclose our commission structure in your credit proposal at the application stage. You'll never be surprised by hidden costs.
I don't fit standard bank criteria. Can you still help me?
Absolutely. Standard banks often have rigid lending criteria that don't account for unique circumstances like self-employment, irregular income, past credit issues, or non-standard employment. At Fruition Financial, we work with specialist lenders who assess applications more holistically and think outside the box. Whether your situation is straightforward or complex, we'll find a lender willing to work with you and structure a solution that meets your needs.

Speak With Our Team

Secure a complimentary session with one of our MFAA-approved brokers today

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