Review Your Lending Position Before You Make a Move
Strategic mortgage and finance advice for complex situations
Get Clarity Before Making A Decision
Answer a few short questions to understand how your situation may be viewed and whether a strategic approach could help.
Why Embark Financial
Most lending decisions fail not because of income or assets, but because of poor structure and incomplete advice.
Embark Financial is a strategy led mortgage and finance advisory founded by Ash Chowdhry, a former senior banking executive with nearly two decades of experience inside Australia’s major banks.
This background provides clear insight into how lender policy is applied in practice, how risk is assessed, and why some applications fail despite strong income or assets.
Who This Approach Is Designed For
Embark works with Australians who value certainty, expert guidance, and long term thinking over short term wins.
Clients Commonly Include
If your situation requires more than a basic calculator, this approach is designed for you.
What makes Embark different
Embark is not a rate driven brokerage. It is a strategy first advisory built on experience, structure, and trust.
The Embark Approach Focuses On
Strategy-led decisions rather than rate-first comparisons
Senior banking experience applied to real lending scenarios
Solving complex or previously declined applications
Protecting future borrowing power through better structure
Long-term advisory relationships over one-off transactions
How the Assessment Works
Answer a short set of practical questions about income, goals, and timing.
Your responses are reviewed through a strategic lens, not a generic filter.
If useful, you are offered a clear conversation to discuss options and next steps.
Common Problems We
Help Solve
Many clients come to Embark after experiencing confusion, uncertainty, or inconsistent advice.
About the Adviser
Ash Chowdhry is the Founder and Principal Adviser at Embark Financial. He has held senior leadership roles within a Big Four bank, overseeing lending decisions at scale.
This background allows Ash to explain lending decisions plainly and structure finance with a deep understanding of how banks think, not how they market.
Clients value clarity, realism, and advice that considers both present and future outcomes.
What our client say
Ash has come through with the goods for my construction business and am looking forward to growing side by side with Embark Financial on board. Speed, transparency and elite industry access was a no brainer for us choosing Embark Financial.
I had a really positive experience with Embark Financial. They took the time to understand my goals, explained everything clearly, and made me feel confident in the decisions I was making. The team is approachable, professional, and genuinely supportive. I would highly recommend them to all.
Ash from Embark Financial was fantastic to work with. He took the time to understand our situation, clearly explain all our refinancing options and break down what would be best for us. He genuinely had our best interests at heart
Frequently asked questions
What services does Embark Financial provide?
We offer home loans, investment property financing, commercial lending, and refinancing options. We provide tailored advice on loan structures, interest rate options, and repayment strategies, helping first home buyers, investors, and business owners.
How do you determine the most suitable lender?
We assess your income, employment, credit, and future goals, then match you with lenders whose policies and products are most likely to approve your application.
Can Embark help with refinancing?
Yes, we regularly help clients review existing loans, secure better rates, access equity, and improve loan structures to save money and protect borrowing power.
Do you assist first home buyers with grants and schemes?
Yes, we help clients access government assistance, including grants, stamp duty concessions, and low deposit schemes.
How is working with a broker better than approaching banks directly?
We provide access to multiple lenders, handle documentation, and offer expert advice to improve approval chances and guide you through complex loan terms.
What documents are required?
Typically payslips, tax returns, bank statements, and ID. Self-employed clients may need business financials or accountant-prepared statements. We provide a tailored checklist.
What loan options exist for self-employed borrowers?
We help self-employed clients and business owners access home loans, investment loans, and commercial finance through lenders who understand fluctuating income and complex structures.
Start with clarity, not assumptions
If you want to understand your options before making a decision, this is a practical place to start. Begin the assessment to gain clarity on what is possible, what to avoid, and how to move forward with confidence.
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