Our Services
Tailored lending and financial solutions to suit your needs — whether you're buying, investing, or growing your wealth.
Residential Loan
​Home loan solutions tailored to your personal situation:
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New Purchase
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Refinance
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First Home Buyer
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SMSF Loans
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Overseas income
Commercial Loan
Flexible funding solutions for business owners and
property investors:
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New Purchase
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Refinance
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Lease Doc Loans
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SMSF Loans
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Asset Finance
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Development Loans
Wealth Management
Plan and grow your financial future with confidence：
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Investment Planning
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Superannuation
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Risk Strategies
General Insurance
​Protect your assets with flexible insurance solutions：
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Home & Contents
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Landlord Insurance
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Business Insurance
Lenders We Work With
We work with a wide panel of lenders, including major banks and non-bank institutions, to find the right solution for your needs.
Why Us
Lizzy Zhang has been working in the financial services industry since 2006, with extensive experience across both China and Australia. She has held roles as Financial Planner, Relationship Manager, and Bank Manager at the Bank of Communications in Shenzhen, as well as at Westpac and the Bank of China in Sydney.
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Lizzy is a qualified Certified Financial Planner and an accredited mortgage broker. She is also a member of the Financial Planning Association of Australia (FPA) and the Finance Brokers Association of Australia (FBAA).
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With a genuine passion for helping clients achieve their financial goals, Lizzy understands that banks are often limited to offering their own products. This can mean clients may miss out on more suitable options available in the market.
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That’s why she founded Ruby Gem Finance — to provide clients with transparent advice, a broader range of lending options, and tailored solutions to help them secure the right financial outcomes.
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