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Z&MP Finance

5.0(26 reviews)See reviews ↓·Warrnambool

About the company

Z&MP Finance is a mortgage broking firm based in Warrnambool, Victoria. The firm is run by husband-and-wife team Michael and Zoe. Michael Phillips is a Director with over 17 years' experience in the financial industry, including 13 years as a business banking manager before mortgage broking.

Zoe McKinnon-Phillips is a Director who transitioned to mortgage broker and business owner in 2025. Zoe McKinnon-Phillips is a founder of the Good Company Collective. The firm provides mortgage and commercial broking services, with access to over 100 lenders. The firm serves Warrnambool, Portland, Hamilton and the surrounding region.

What customers say

Based on genuine customer reviews

Patient guidance and ready availability rank among the most common themes in feedback for this Warrnambool brokerage. Zoe, named in nearly every account, is credited with explaining loan options in plain language, answering questions quickly and leaving the final decision with the client, whether the enquiry comes from a first home buyer or from an investor purchasing over the holiday period. Reviewers describe refinancing, pre-approval and full approval as moving swiftly and without the stress usually associated with borrowing, and several mention being connected with other services so that everything was arranged properly.

Business lending features regularly, including a business loan arranged alongside a home loan, as does the negotiation of a lower interest rate. Michael, named in several accounts, is grouped with Zoe as professional, efficient and supportive. Repeat custom emerges as a strong pattern, with one client returning for a second round of finance and another passing the details on to family and friends. The result is a practice built on plain explanations, prompt responses and a willingness to go beyond the immediate loan.

Reviews

Reviews are taken from publicly available sources.

GL
Grace Lynch15 July 2026

Highly recommended Zoe! As first home buyers, we had no idea where to start, but she has made the whole process so easy. She was always happy to answer our questions, explained everything clearly and took the time to get back to us on her days off. We really appreciated all her support and couldn’t recommend her more.

BN
Brooke Nevill19 June 2026

This is our second time using the services of Z&MP Finance. Zoe has made both times an absolute breeze and will definitely be giving them a call next time we need finance.

WJ
Warren Jackson1 June 2026

I would highly recommend Z&MP Finance. Zoe & Micheal went above and beyond finding the best institution to suit my needs. i didn't have to worry about a thing. quick and easy.

RK
Rachel Kelly13 April 2026

I can’t recommend Zoe enough! As a first home buyer, I felt overwhelmed at the start, but she made the entire process so much easier. She was patient, knowledgeable, and always took the time to explain everything clearly. Zoe kept me informed every step of the way and genuinely cared about getting the best outcome for me. Her communication and support made a stressful process feel smooth and manageable. I’m so grateful for her help in getting me into my first home!

NV
nicholas van Bakel13 March 2026

As first home buyers we had no idea where to begin but Zoe and team were so patient and knowledgeable and genuinely took the time to find a suitable loan. I'd like to emphasize our recommendation and encourage anyone to work with her. Nick and Madeline

CW
Cameron Wilson29 January 2026

Zoe was a fantastic help. Always patient and kept me well informed during the loan application process. Great result, couldn't be happier.

LO
Lif O'Keefe26 January 2026

We couldn’t speak more highly of Zoe. She was quick to jump in and help us with an investment property over the Christmas / new year period. Her communication about the process and options was incredible, she made sure we knew the ins and outs and understood everything before moving forward. She even linked us with other services to ensure we were set up right. We couldn’t recommend enough. A dream to work with.

Mortgage brokers in Warrnambool compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 5 businesses in this category in Warrnambool are compared.

RankProviderRatingReviewsOpen Sat.
1Loan Market Warrnambool★ 5,0206Yes
2Z&MP Finance (this page)★ 5,026No
3Ceebeks Business Solutions for GOOD★ 4,9112No
4Aussie Home Loans Warrnambool★ 4,813No
5SHB Business & Wealth Advisers★ 4,833No
Contact
+61473254613www.zandmpfinance.com.au129 Timor St, Warrnambool VIC 3280
Working hours
Monday08:30–17:00
Tuesday08:30–17:00
Wednesday08:30–17:00
Thursday08:30–17:00
Friday08:30–17:00
SaturdayClosed
SundayClosed