👤 Julianne Zammit
Senior Mortgage Broker– Home Loans | Investment | SMSF Lending
Personalised finance. Real results.
📍 Based in Narrabeen, NSW | Supporting clients Australia-wide
With over 20 years of experience in banking and residential lending, Julianne Zammit is known for her genuine care, calm communication, and dedication to delivering the best outcomes — no matter how complex the situation.
Julianne specialises in first home buyers, investment loans, refinancing, and SMSF lending, and takes a personal approach to every client. Whether you’re buying your first property or your fifth, she’ll make sure the process feels seamless — not stressful.
✅ Julianne’s Areas of Expertise
🏠 First Home Buyers – Clear guidance, tailored options, and strong support
🏡 Family & Upgrade Loans – Lending for growing families and changing needs
🏘️ Investment Property Loans – Lending solutions for portfolio growth
🔁 Refinancing – Reduce repayments or access equity
💼 SMSF Loans – Property loans inside self-managed super funds
🧱 Construction Loans – Structured support for building or major renovation
🧠 Why Clients Choose Julianne
Over 20 years of experience across banking and broking
Access to a wide panel of lenders — major banks + specialists
Known for genuine care and crystal-clear communication
Handles the entire process with confidence and empathy
Highly rated: 5.0 Stars from 43 client reviews
Goes above and beyond — every time
“Julianne has literally been the light at the end of a very dark tunnel… she fought hard for me and never treated me like just a number.”
— Che’-Anne
🔎 What Working with Julianne Looks Like
Discovery Chat – Understand your goals and situation
Loan Options – Tailored recommendations across multiple lenders
Application & Pre-Approval – All paperwork handled clearly and efficiently
Settlement & Beyond – You’re kept in the loop every step of the way
Post-Settlement Support – Advice and check-ins long after the deal is done
Julianne is known for supporting her clients like family — often being the first call when they’re ready for the next home, loan, or property step.
💬 What Clients Say
"Julianne is amazing! She took the time to really understand what we needed and explained everything to us as first-home buyers. We would have been lost without her support!"— Lauren A.
"From the beginning, Julianne was incredible. Very knowledgeable, easy to talk to, and great communication. Made buying a house less stressful and daunting!"— Jasmin F.
"Julianne is friendly, knowledgeable and efficient. She went above and beyond to secure a great deal, make the process seamless, and kept me updated the whole time."— Yadi W.
"Julianne has helped us twice now and we wouldn't go anywhere else. She’s patient, clear, and found us the best loan options available. Totally stress-free."— Samantha & Jonathan K.