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.
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29 Reviews
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Bernadette Montes
I highly recommend Ash Chowdry of Embark Financial. He is incredibly knowledgeable, very helpful, responsive and very patient. He explains all the details we need properly . He worked diligently and found the best loans that will fit our needs. The process could have been very stressful but he made sure to make it very simple for us. He is a legend.
YangShun Syu
This is an extremely professional company and service, unlike anything I have experienced in Australia. Their expertise explains the reasons for preparing documents, and provides detailed explanations and interpretations, letting you know the whereabouts and reasons for each document. Prompt follow-up and patient service. Ash will not make you feel like he is working, he genuinely stands in the customer's shoes and together finds ways to solve your problems. His extreme enthusiasm and kindness are what you can feel, once again, thank you for Ash's help.
NIcholas Panagopoulos
Ash was fantastic to work with from start to finish. He was professional, responsive, and paid close attention to every detail throughout the entire process. His end-to-end support made everything seamless, and he helped turn what could have been a stressful experience into one that felt manageable and straightforward. Ash worked quickly and efficiently, presenting a range of options that were tailored to my needs and taking the time to explain everything clearly. I always felt informed, supported, and confident that he had my best interests in mind. I highly recommend Ash to anyone looking for a knowledgeable, reliable, and dedicated broker. Thanks again, Ash, for making the whole process so smooth and stress-free!
Cary Amicott
Thank you to Ash for helping us refinance, he helped us along the whole way. Appreciate it.
Ashish Mittal
Ash has been great and has been super helpful in reviewing SMSF loans for us and guiding us on the right next steps. Highly recommend Ash from Embark financial.
Jullan Babet
The team at Embark Financial went above and beyond to help us refinance and restructure our loans. As someone looking to purchase a new business, I found Ash’s deep industry knowledge and strong banking relationships invaluable in securing the best possible outcome. What stood out most was the personalised approach; Ash took the time to understand our specific needs and provided logical and strategic guidance to reach our goals. Ash was always just a phone call away, patiently answering every question I had (and I had a lot!) with professionalism and kindness. I highly recommend Embark Financial for their expertise and exceptional professional service and for a financial partner who genuinely cares about your success.
Specialties
Business Loans
Home Loans
Investment Loans
Refinancing