With nearly 20 years in senior roles across Australia’s leading banks, Mortgage Broker Ash Chowdhry brings a blend of strategic insight, financial expertise, and genuine care to every client relationship.
His career has spanned the breadth of the banking and financial services landscape — from shaping customer strategies and leading large teams to improving how Australians access and experience finance. This foundation gives him a deep understanding of lending and home loan structures, and the ability to design solutions that genuinely work for each client.
Guided by his passion for property, construction, and finance, Ash founded Embark Financial to help clients access smarter, more transparent lending options and achieve their goals with clarity and confidence. He’s known for simplifying complexity, solving challenges, and creating lasting value.
Clients appreciate his calm, solution-focused approach and his belief that there’s always a way forward.
Outside work, Ash is a proud dad of two young daughters who keep life full of energy and laughter. He loves travel, sport, and good food — and believes the best moments are those shared with family and friends.
For Ash, Embark Financial is more than a business — it’s a way to combine experience, purpose, and care to guide every client’s financial journey with confidence.
5.0
41 Reviews
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Sheetal
I had an excellent experience working with Ash @ Embark Financial, who helped me with a recent refinancing application. Throughout the entire process, Ash has been highly professional, extremely organised, detail-oriented, and proactive. What can often be a long, complicated, and stressful financial exercise was made remarkably smooth and straightforward thanks to his knowledge, expertise, and hands-on approach. One thing I particularly appreciated was Ash’s ability to keep things moving. He wouldn’t hesitate to give a gentle nudge or a reminder when needed, ensuring we didn’t lose momentum and could make timely progress at every stage. His proactive follow-ups and attention to detail made a real difference to the overall experience. The best part was achieving the desired outcome in record time! I highly recommend Ash and Embark Financial to anyone looking for a knowledgeable, reliable, and proactive professional to help with their financing needs. Outstanding service from start to finish!
ranbir shergill
Aayush Chowdhry has an amazing persona and exceptional knowledge in the finance field. He went over and beyond to sort out our affairs. I have no hesitation in recommending him to anyone.
Singh Sukhjinder
⭐⭐⭐⭐⭐ I had a great experience with Embark Financial.The team was professional, friendly and very helpful throughout the entire process. They took the time to understand my needs, explained everything clearly, and made the whole experience smooth and stress-free. I really appreciate their excellent customer service and attention to detail. I would highly recommend Embark Financial to anyone looking for reliable and professional financial services. Thank you again .
Josh Bowen
I have used multiple brokers in the past. Ash is best by far. Works very fast and very well, he makes the process seamless
Matthew Pozzebon
I've worked with multiple brokers in the past however my experience with Ash has truly been a stand out and I have no doubt I will continue with him for the foreseeable future. What I’ve appreciated most is that he hasn’t just looked at the immediate purchase and tried to get a loan across the line. He’s taken the time to understand my personal situation, future plans, existing property, and has built a lending strategy around that. He’s also been proactive in looking at refinancing my other property and identifying ways to improve my overall position moving forward. It’s been great dealing with a broker who looks at the bigger picture and genuinely takes the time to put a plan together that suits your individual circumstances. Communication is always a huge factor for me and Ash has been excellent. Always easy to get in touch with and answers all my questions and queries without hesitation. I’ve felt very confident throughout the process and would definitely recommend!!
KB
I cannot recommend Ash highly enough. We started with simply refinancing and restructuring my existing loans and exploring SMSF. Fast forward a few months, and I now have a more diversified investment portfolio with an interstate property and an SMSF property added. Ash went far beyond simply arranging finance. He was there every step of the way, keeping me informed including changing legislation and what that meant for my options and even connecting the dots between all the parties involved to keep things moving. The SMSF purchase in particular came during a period of changing regulations, but Ash went above and beyond to ensure I understood what was changing and guided me through it. Looking back at what I was able to achieve, I genuinely don't think it would have been possible without Ash’s expert guidance and support. He is knowledgeable, responsive, proactive, committed to his clients and, most importantly, someone you can trust with your lending journey.
Specialties
Business Loans
Home Loans
Investment Loans
Refinancing