Headquarters:
Suite 502, 80 Mount Street, North Sydney, NSW 2060
Year founded:
2015
Number of employees:
56
Phone:
1800 896 817
Email:
info@xin.com.au
Website:
xin.com.au
LinkedIn:
linkedin.com/company/xinmortgage
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
William Xin
Founder and Director, XIN Mortgage
Roy Huang
Co-Founder, XIN Mortgage
Joe Zhou
Branch Owner, XIN Mortgage North Shore
Leadership
William Xin is the founder and director of XIN Mortgage, where he leads a dynamic team of over 40 independent brokers and has driven more than $840 million in settlements in 2024 alone. With more than a decade of experience in mortgage broking, William is recognised for his expertise in delivering tailored lending solutions, nurturing strong business partnerships, and executing growth strategies that ensure sustainable success in the finance industry.
Under his leadership, XIN Mortgage has become one of Australia’s most trusted financial service providers, earning consistent 5-star customer reviews and industry recognition, including ranking #21 in the Top 25 Brokerages in Australia for 2025. He is also the founder of XIN Financial and a partner at XIN Wealth, offering comprehensive financial services that span home loans, wealth management, SMSF lending, and solutions for non-residents and clients with unique borrowing needs.
A passionate mentor and MFAA-accredited professional, William is dedicated to helping clients achieve their financial goals and empowering his team to thrive in a competitive market. His commitment to integrity, diligence, and transparency underpins the XIN Group’s client-first philosophy, ensuring that every recommendation is based solely on the needs of borrowers and investors.
His vision continues to shape XIN Mortgage as a leader in innovation and customer care within the Australian mortgage industry.
Founder and Director, XIN Mortgage
William Xin
Roy Huang is the co-founder of XIN Mortgage, where he has helped build and now leads a high-performance team of over 40 brokers since 2015. An MBA and Dip FS/FMBM holder – and an MFAA-accredited credit adviser – Roy brings more than nine years of mortgage broking expertise to the business.
At XIN, Roy provides strategic leadership across multiple loan-product lines and end-to-end process services, driving innovation in credit policy, workflows, and servicing solutions. He advocates and implements innovative management thinking and methods throughout the mortgage industry and in day-to-day company operations. His hands-on approach to broker development, training and mentorship underpins XIN’s reputation for delivering tailored lending strategies and exceptional customer outcomes.
The team now manages a settled $2-billion loan book, positioning XIN Mortgage among Australia’s fastest-growing brokerages. He is also a leader who champions inclusive, multidisciplinary learning and development, ensuring his team draws on diverse perspectives to continually enhance performance and client service.
Co-Founder, XIN Mortgage
Roy Huang
Wendi Ma is a partner at XIN Mortgage and a prominent leader in Sydney’s finance community. As the very first graduate at XIN Mortgage, she quickly distinguished herself through dedication and excellence, rising to her current leadership role. Since joining XIN in 2017 as the number one graduate, Wendi has built a reputation for providing insightful, tailored lending solutions that empower clients to achieve their financial goals.
Recognised as an MPA Young Gun in 2021, Wendi specializes in a wide range of lending areas – including residential, commercial, and SMSF lending – and has developed a deep understanding of these complex financial instruments. Her proactive approach has helped hundreds of clients secure the right home loans, structure effective investments, and refinance with optimal terms.
A cornerstone of her success is her ability to forge strong relationships with referral partners, further enhancing her capacity to deliver a comprehensive suite of financial solutions. As an MFAA-accredited mentor, she is dedicated to training the next generation of brokers through hands-on leadership and professional development.
Wendi’s commitment to integrity, customer-first principles, and continuous innovation has positioned her as a trusted advisor and an influential force within the Australian mortgage industry.
Partner and Senior Mortgage Broker and MFAA-Endorsed Mentor,
XIN Mortgage CBD Branch
Wendi Ma
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
Leadership
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
“We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions”
Erica Kofie, QBE
Leadership
Frank Lin
Director, Certified Financial Planner, XIN Wealth
With close to a decade of experience in finance and lending, Sabrina Chen brings deep industry knowledge, client-focused values, and entrepreneurial vision to her role as branch owner at XIN Mortgage North Shore.
Sabrina began her career at one of Australia’s major financial institutions, Westpac, where she developed a solid foundation in financial control. Motivated by a desire to help people achieve their property goals, she transitioned into mortgage broking, steadily advancing from an entry-level role to become a fully licensed broker. Along the way, she built a reputation for trust, diligence, and delivering tailored solutions for clients across a wide range of lending needs.
In 2022, Sabrina took the leap into leadership as a partner and branch owner at XIN Mortgage Chatswood. Today, she leads her team with professionalism, empathy, and a belief that the journey to homeownership should be empowering, transparent, and stress-free.
Whether working with first-home buyers, experienced investors, or clients with complex scenarios, Sabrina is known for her commitment to going above and beyond. Her core philosophy is simple: when clients are supported with clarity and care, outstanding results follow.
Branch Owner, XIN Mortgage North Shore
Sabrina Chen
Jocelyn Siow
Commercial Lending Director, XIN Mortgage
With a decade of experience in finance, Joe Zhou is a trusted leader in the mortgage industry, known for his integrity, strategic insight, and genuine commitment to helping clients achieve their property goals.
Joe’s journey began at UNSW, where he discovered that finance is not just about numbers, but about enabling aspirations. He went on to build a strong foundation working with globally respected firms such as Ernst & Young and BNP Paribas before finding his true calling in mortgage broking. At Loan Market, he refined his approach to lending – grounded in empathy, trust, and making the complex feel simple.
In early 2022, Joe was entrusted with launching XIN Mortgage North Shore, where he now serves as branch owner. With a vision to create a business built on clarity, care, and confidence, he has led the team to become one of the most trusted names in the Region.
His impact is best reflected in the loyalty of his clients – many of whom return time and again or refer family and friends. Whether supporting a first-time buyer or a seasoned investor, Joe is committed to making every experience smooth, personal, and empowering.
Branch Owner, XIN Mortgage North Shore
Joe Zhou
Ranked No. 6 in Australia by MPA, XIN Mortgage is a top-tier brokerage known for combining deep industry expertise with personalised, end-to-end financial guidance. With offices in North Sydney, Chatswood, and Sydney CBD, XIN serves a wide range of clients – from first-home buyers and property investors to business owners – throughout their financial journeys.
Since its founding in 2015, XIN Mortgage has grown into a trusted industry leader with a $2-billion loan book and $920 million in loan settlements over the past 12 months. Its 36 full-time brokers are supported by a 20-member offshore operations team, enabling both scale and service excellence.
What sets XIN Mortgage apart is its long-term commitment to clients. Beyond simply securing loans, the firm offers lifetime home loan services including regular rate reviews, loan health checks, and tailored lending strategies. A proprietary IT system powers seamless operations, automates commissions, and enhances client retention – ensuring clients receive timely, proactive support at every stage.
XIN Mortgage offers a full spectrum of services, from residential and commercial lending to SMSF solutions and complex financial structures. With access to a broad panel of lenders – major banks, non-banks, and specialist institutions – XIN ensures every client finds the right lending fit.
Driven by innovation, efficiency, and a strong client-first ethos, XIN Mortgage continues to grow through referrals, repeat business, and industry recognition—cementing its place as one of Australia’s most forward-thinking and dependable mortgage brokerages.
“We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations”
Erica Kofie, QBE
Sabrina Chen
Branch Owner, XIN Mortgage North Shore
Melissa Ristevski
Broker
Wendi Ma
Partner and Senior Mortgage Broker and MFAA-Endorsed Mentor,
XIN Mortgage CBD Branch
Simon Williams
Chief Strategy & Distribution Officer, Arch Insurance International
and Active Underwriter, Syndicate 1955
Frank Lin is a Certified Financial Planner® (CFP®), an SMSF Specialist Advisor (SSA®), and a member of the Financial Planning Association (FPA). He is passionate about helping families and individuals achieve financial freedom through quality advice and strategic planning.
Frank’s approach is grounded in technical expertise and a sincere commitment to his clients’ wellbeing. He is known for his ability to simplify complex financial concepts, enabling clients to navigate challenges and opportunities with confidence. Frank takes pride in building long-term relationships and providing ongoing support, ensuring his clients are well-prepared for every stage of their financial journey.
He believes that the foundation of successful financial planning lies not just in technical knowledge, but in a genuine dedication to helping clients achieve peace of mind and a secure financial future. His mission is to empower clients to face financial decisions with clarity and assurance, whether through comprehensive planning, investment strategies, or family wealth succession.
Director, Certified Financial Planner, XIN Wealth
Frank Lin
Jocelyn Siow is the commercial lending director at XIN Mortgage, bringing over 13 years of experience in the financial services industry. She specialises in commercial lending, development finance, asset finance, and cash flow lending, with a proven track record of structuring complex financial deals tailored to meet the unique needs of businesses across a wide range of industries.
Her expertise extends beyond lending. With a strong focus on business development and new business acquisition, she plays a key role in expanding the firm’s client base and strengthening market presence.
Throughout her career, Jocelyn has built a reputation for collaborative partnerships with clients and industry professionals, ensuring a personalised, solutions-driven approach to every transaction. Her deep understanding of market trends, combined with a commitment to delivering value-driven financial strategies, has enabled countless clients to achieve their growth ambitions.
As part of the dynamic team at XIN Mortgage, she is passionate about helping businesses thrive through tailored financial solutions and strategic advice. Her focus on client success and sustainable business growth reflects the firm’s mission to provide exceptional service and lasting value in every relationship.
Commercial Lending Director, XIN Mortgage
Jocelyn Siow
With over 13 years of experience in the finance industry, Ristevski brings a wealth of knowledge, insight, and passion to her role as a commercial mortgage broker at Rethink Financing. Her journey has included diverse roles across the banking sector, equipping her with a well-rounded perspective on lending, risk, and client needs.
Now a recognised expert in commercial finance, she thrives on the complexity and nuance of structuring tailored solutions for businesses and investors. She believes that every financial journey is unique, and she is relentless in her pursuit of the right outcome for each client – strategic, flexible, and always focused on the bigger picture.
Ristevski is known for her unwavering commitment to both her clients and her team. She is deeply driven to see others succeed, whether it’s helping a business secure funding for growth or mentoring a new broker within Rethink’s collaborative, high-performance culture.
Her guiding principle – be stubborn about your goals and flexible about your methods – is reflected in every aspect of her work. As an emerging leader in the industry, she is not only building a standout reputation but also helping shape the next generation of finance professionals.
Broker
Melissa Ristevski
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
“Despite the challenging claims environment, QBE’s coverage and risk appetite have remained consistent. Brokers and customers know and understand our risk appetite and the cover we offer, providing them with certainty for the future,” says Erica Kofie, head of cyber proposition. “We put our customers at the centre of our business, responding to brokers in a proactive and timely manner and working with the customer to understand their unique risk profile and tailor appropriate solutions.”
Kofie adds, “Through 2022, QBE successfully delivered significant growth in the cyber sector, reflecting the depth and strength of our team. We continue to see cyber as a key opportunity and will be further developing customer-centric solutions across various geographies and segments in line with our growth aspirations.”
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Overall service level
Broker communication, training and development
BDM support
Turnaround time – claims
Broker's Pick – Personal Accident and Illness Insurance
Brokers’ Pick – Professional liability
Small business
