Request a consultation/quote

To find out more call us on 03 8560 2907 or 0410133994 and we will arrange an initial finance consultation and assessment to find out how we can help you achieve your financial goals.

“Secured a mortgage on short notice”

ChristineDear Zelka, after you so kindly helped me secure a mortgage on such short notice I really wish to thank you sincerely. You explained everything so clearly and patiently that I had no problem signing the papers which at first seemed terribly daunting to me. Your ongoing interest and advice is much appreciated and I know I can call on you any time. I am happy to recommend you to anybody. Thank you and kind regards, Christine Seefeld – Ashwood.




ShirleyZelka has organized loans for me twice now and I recommend her services to any busy professional, if you need the best loan in the market, you don’t understand all the fees, charges and clauses that lenders dish out. Zelka will work with you from start of application and follow through till you get your loan through and take possession of your new place.
Zelka delivers what she promises; she has a CAN DO attitude, she’s a good listener, she’s approachable and friendly in her manners, she’s dedicated to her clients needs, very knowledgeable in the loan finance industry and a lateral thinker which are rare attributes in a person.
I was on Day 2 of my holidays overseas when I unexpectly got a call from my lender that they couldn’t go ahead with settlement after repeatedly been assured that everything was progressing on time. My first reaction was of utter desperation, I was ready to book a flight and come back home. A friend recommended Zelka and I was on the phone to her immediately. We didn’t know each other but she quickly built a rapport with me .Through my office she organized all the paperwork to be faxed and emailed across the globe to me and despite the time difference she kept in contact with me through phone calls and text messaging. It felt like the most frustrating time of my life and having Zelka there who was knowledge and understood exactly what I wanted made me feel better. We got the application underway; I was able to enjoy my holidays and when I arrived back in Australia she had already managed to find me a great rate and package with another lender and everything was underway for settlement.  Shirely Krishna – Melbourne

“Professional Advice”

Zelka recently helped me to obtain a mortgage for a house purchase. She explained several loan structure options, so that I could be sure that I was making the best choice for my own circumstances.And, when we hit an unexpected problem with the loan application, she immediately created an alternative plan that allowed me to achieve my goals.Her professional advice and friendly assistance were outstanding, throughout the entire process. I can certainly recommend Zelka’s services very highly.

Thank you Zelka!    Barbara – Cranbourne

“Outstanding Service”



We thank you for helping us to refinance our investment properties. We also want to thank you for treating our case as it was your own case.Your commitment to your clients is endless and thorough, and you not only walk the extra mile for your clients, you walk right around the world for them.Calling your service and commitment outstanding doesn’t do it any justice it is far more than that. There are not many businesses that give such a great service to their clients.
We recommend to anyone who is in need of financial services to contact You.

Werner and Elizabeth Blank – Ferntree Gully.


“Extremely Efficient, Approachable, Helpful and Friendly”

julieZelka has provided my husband Bill and myself with immense support in our efforts to build an investment portfolio. She never tired of explaining, sometimes repeatedly, those aspects of finance that we initially struggled to understand. Thanks to Zelka’s help, I now feel so much more comfortable with the day to day management of our investments. The whole process has become so much easier and smoother with Zelka’s tireless efforts and constant feedback. Over the past couple of years she has proven herself to be extremely efficient, approachable, helpful and wonderfully friendly.  Julie & Bill Hopley – NSW.

“Helped me buy my first home”

Steven1With the help of Care Financial Serveces, i have managed to purchase my fisrt house, with the full understanding of the process involved of purchasing a house and i plan to return in the future for futher guidence and advice. as a young first home buyer all my opitions where explained in detail. thank you Care Financial Serveces.

Steven Fadljevic – Endeavour Hills




“Genuine, understanding and shares her knowledge”

debbie1Zelka has been most helpful in setting up my first property investment, explaining to me how I should establish my loan structure with the bank and on then re-explained the strategy to me. She is genuine, understanding and shares her knowledge readily. Whenever I have a question about my investment or anything I’m uncertain about, Zelka is just a buzz away to offer her recommendation – it’s really fantastic. Zelka has even given me tips on how I can utilise my investment to minimise my payable tax – it’s great having a chat with her – I can always learn something new!!!   Debbie Liew – Wantirna.


I Recommend CARE

I have been liaising with Zelka since mid 2005 and can honestly say that it has been an absolute pleasure.
Zelka has always gone out of her way to assist me with my ventures and nothing is to much trouble. I have always found Zelka to of great assistance and have recommended her to a number of my friends.
Gerrard Butler – Melbourne

“Saved me time and money”


Care Financial Services has opened my eyes and ears to getting the best deal without going through different lenders in search of the best loan out there for me. Care Financial Services provided a fast and efficient service that explain the necessary steps and talk me through all documentation required in the process of attaining my first loan. Care Financial Services offered me continual 24 hour assistance during and after my loan had been processed saving me time and money.  Katrina Jewel – Mildura.



“Professional, efficient and friendly without being Pushy”

AnneI had never applied for any sort of loan before, so when it came to purchasing a home I needed to obtain finance. I was put into contact with Zelka through a family member.
I was put at easy and reassured by her knowledge on a variety of different products. I also found her to be professional, efficient and friendly without being pushy.

Anna S. – Glen Waverley



“How easy was that – easy going hands on caring approach made me feel anything was possible – great result”

IMG_1713(1)“How easy was that! If I had known that switching to a more competitive mortgage was going to be that easy I would have done it years ago. From the first consultation with Zelka through to completion I felt that a weight had been lifted. Her easy going, hands on caring approach made me feel like anything was possible and indeed obtained a great result for me and my family.”

John Botjor – Elwood




“I feel I’m more than just a customer – their services come highly recommended”

annapic“Buying a first property can be quite a daunting experience, and I’m sure alot of people would agree that one of the most frustrating and time-consuming things is sourcing the right type of finance. Care Financial Services came no word short of making this process a piece of cake. The service provided by care finance is well above the standard I ever expected dealing with these types of matters. Everything ran on time, and the communication was excellent. The thing that I like best about care finance is the help that is always available. I feel Im more than just a customer, and that any question I have I can ask (which I have done on a number of occasions since the purchase of my 1st property!). I am now in the process of purchasing my next investment property and wouldnt even think of surpassing Care Financial Services. Their services certainly come highly recommended”  Anna B. – Melbourne

Adrienne Aarsse-Porter
“It has to happen one day doesn’t it, the critical decision is made to buy a house.
I made it and at the time, I had very little flexibility in terms of finances. I had spoken of my decision and dilemma with a very wonderful man I knew through work and he recommended Zelka/Care Home Loans to me.
I had nothing to lose by embarking upon this adventure. I wasn’t exactly positive, but I knew that I had to do this. You cannot die wondering. Zelka came to my home. We discussed all of the possibilities and despite how unreasonable they originally seemed, there was a good feeling in my bones at the end our evening.
A short time later Zelka presented to me all of my options and I was excited, but I did have to think about it.
I started looking at where it was possible for me to buy.
I looked in all directions around Melbourne and surrounding suburbs, but man oh man, can you pay a fortune for next to nothing, or compromise with lots of travelling.
As it happened, I wasn’t particularly happy in my workplace. Add to that, I was being suffocated by suburbia and bad drivers, it was time for me to make another important decision.
I was going to make a tree change. Off to the country.
I started looking in regional Victoria for my “Cottage”. Well the looking took some time, again!!
After about 6 months, the Cottage was found.
Back to Zelka! No questions asked about why it took me so long we hit the tarmac running.
Within 3 months, after lots of phone calls and never-ending patience from Zelka, I was in my new space with a new job and it just hasn’t looked back!! (Despite the interest rate fluctuations)
My determination supported by Zelka’s good work and patience has enabled my dream to come true. I cannot thank Zelka enough for all that was done to realise this dream.”

Adrienne Aarsse-Porter

Michelle Pollard
I moved from QLD to Vic mid 2007. I have a property with a mortgage in QLD, (now as a rental). My goal was to keep that property as an investment and to purchase a chunk of dirt in VIC. But achieving this goal was not easy.
When initially doing the sums and making some enquiries to see if it was viable, I was hit by lots of brick walls and conditions and time limits, and pretty well ‘no’ from ‘big name’ lenders, leading me to believe my ‘wants’ were impossible to have.
So as one can imagine after those sorts of responses, plus; just moving to a new state, only in employment for a few months, with a small child, husband caring for small child and only working part time; us actually getting approval for the large sum we were applying for, let alone, a suitable loan with competitive interest rates and with a reputable lender, didn’t seem very ‘doable’!!
I was recommended to Zelka through a work colleague who has the highest praise for her, and informed me she couldn’t have achieved her dream she is now living without Zelka’s assistance.
In my first contact with Zelka, I was very quickly reassured that there are lots of positives and not so many negatives in making this goal a reality. After I spoke with her, I changed my ‘this won’t happen’ attitude to ‘this IS achievable’
Zelka listened to all of my needs and asked answerable questions to ensure she had ample information to find the perfect loan for our situation. And find she did!!
Zelka guided us ‘handheld’ all the way from choosing the best loan applicable to our circumstances, giving us a step by step procedure of what was happening next and what to expect when and guiding us through all these motions, to setting up our new ongoing accounts to make them the most effective and easiest for us to manage. She simplified and assisted in reviewing contracts and documents so as we were clear on what we were signing and didn’t miss anything important.
As the new home loan Zelka advised for us was at a different bank than where our existing loan was, there were obvious hurdles we had to jump, ie finalising the mortgage with the previous lender involving a new settlement, etc. During this anxious time, Zelka was extremely informative and kept me constantly up to date with all proceedings
Zelka also liased with my solicitor, dealing with all the new contracts and settlements of both propertys and whatever other information was required. She even extended her customer service as to sending us some lovely plants as a house warming gift (I only killed one darl!!) I believe Zelka will be as involved or as removed as is comfortable for your needs. Never intrusive, never judgmental, as long as it works for YOU, nothing was ever too hard or too much trouble. Always honest, professional and confidential and hard working, making you feel like YOUR business is the most important to her.
I remember ringing a few times in a bit of a fluster, with all different things going on in so many directions with banks and solicitors and real estate agents, etc, and not even telling her who it was on the phone, and just went off on my own tangent and just expected her to know who she was talking to and what on earth I was talking about, and she just did!!
In closing, I would highly recommend Zelka with great regard to any client with any need from large to small. If in the future, I am able to expand my portfolio or just need an update or financial information, I would not hesitate to contact Zelka and trust her implicitly.
Besides all of that, she’s a hell of a nice girl and a lot of fun + if you need any party ideas, she’s your girl!!
Just a note, I’m not one to write stories for the sake of it, I’m a real person, and just want to give credit were credit is due. This society is far too quick to whinge or complain about something, but not to praise.
I have not been offered any money for my testimonial, but, hey….. Zelka?????

Michelle Pollard

Request a consultation/quote

To find out more call us on 03 8560 2907 or 0410133994 and we will arrange an initial finance consultation and assessment to find out how we can help you achieve your financial goals.