Our Values
At Xcelerate Capital, putting our clients first isn’t just a slogan — it’s the foundation of everything we do. We taake time to understand your financial goals, and we back that up with a clear strategy, action, determination, and a winning spirit.
We go beyond simply finding you a loan. We fight to secure the right deal, structure solutions that truly fit your circumstances, and support you through every step of the process. Whether it’s a first purchase, a refinance, or a new investment, we are committed to helping you achieve your financial objectives.
This dedication is why our clients keep coming back to us — trusting us not only for their current needs but also for their future financial journeys. With us, you gain more than a broker; you gain a partner who is invested in your success.
What We Offer
Securing the right finance isn’t just about finding a loan — it’s about having the right partner who understands your goals, structures the right strategy, and connects you with the lenders and products best suited to your needs.
We work with individuals, families, and businesses to navigate the full spectrum of lending, from simple home loans to complex commercial deals. Our independence means we’re not tied to any single lender, giving us the flexibility to secure the most competitive and appropriate solutions for every client.
Our expertise spans a wide range of finance solutions, from residential mortgages and refinancing to commercial lending and asset finance. We also provide access to private funding where traditional lenders fall short, along with independent debt advisory to help restructure, consolidate, or optimise your financial position. Whatever your needs — personal, investment, or business — we bring tailored strategies and strong lender relationships to deliver the right outcomes.
From straightforward mortgage needs to complex debt strategies, we combine experience, market insight, and strong lender relationships to deliver clarity, confidence, and the best possible outcome for our clients.
Vicky Zhou
Director / Founder
With over 18 years of experience across Australia’s leading financial institutions — including CBA, ANZ, NAB — and innovative fintech companies, I bring a wealth of expertise in business and commercial banking.
Throughout my career, I’ve helped clients navigate complex lending landscapes, delivering tailored solutions that support growth, investment, and long-term financial success.
Recognised with awards such as Client Acquisition of the Year at CBA Commercial, I pride myself on building lasting relationships, understanding client goals, and negotiating the right outcomes. Today, I draw on this extensive background to provide independent, client-focused debt advisory and lending solutions, combining big-bank experience with a flexible, personalised approach.
