自住房、投资房、再融资、商业及 SMSF 贷款。我们用您熟悉的语言解释每一项条款，替您比较利率与政策，跟进审批直到交割。经纪服务对您通常免费。 Home, investment, refinance, commercial and SMSF lending. We explain every term in the language you're comfortable with, compare rates and policy for you, and manage the application through to settlement. Our service is usually free to you.
结果仅为估算，假设利率在整个贷款期内不变，不含费用，不构成贷款批准或信贷建议。只还利息按整个期限计算。 Estimate only. Assumes the rate stays the same for the whole term and excludes fees. Not a loan approval or credit advice. Interest-only is shown over the full term.
不同银行对收入类型、签证、职业和房产类型的政策差别很大。我们先看您的情况，再匹配合适的贷款机构。Lenders differ widely on income types, visas, occupations and property types. We start with your situation, then match it to the lenders that fit.
从预批到交割全程协助，并核查您可申请的政府首置业支持。From pre-approval to settlement, including checking which government first-home support you qualify for.
对比现有利率，计算转贷成本与节省金额，必要时整合债务或套现。Compare your current rate, weigh switching costs against savings, consolidate debt or release equity.
贷款结构影响税务与后续借款能力。我们帮您规划抵押结构和只还利息安排。Loan structure affects tax and future borrowing power. We plan security structure and interest-only periods with you.
按建筑进度分期放款，衔接建筑合同与银行估价。Progress-payment loans that line up your building contract with the lender's valuation.
商铺、仓库、办公楼购置，以及买卖生意和流动资金融资。Shops, warehouses and offices, plus business acquisition and working-capital finance.
通过自管养老基金购买住宅或商业物业，需配合会计师与 LRBA 信托安排。Buying residential or commercial property through your super fund, coordinated with your accountant and the LRBA bare trust.
中国等海外收入、临时签证、海外公民在澳购房，匹配接受此类收入的贷款机构。Income earned overseas, temporary visa holders and Australian expats, matched to lenders that accept it.
先买后卖、紧急交割、银行暂不受理的情况，提供短期过渡方案。Buy before you sell, urgent settlements, or cases banks won't take yet — short-term options with a clear exit.
了解您的目标、收入、负债和时间表，初步估算借款能力。We learn your goals, income, debts and timing, and give a first estimate of borrowing power.
从合作机构中筛选，书面说明推荐理由、利率、费用与比较利率。We shortlist lenders and explain in writing why, with rates, fees and comparison rates.
整理文件、递交申请、对接估价与审批官，跟进有条件到正式批准。We prepare documents, lodge, deal with valuers and credit assessors, and chase it to formal approval.
协调律师 / 过户师完成交割，之后定期复核利率。We coordinate with your lawyer or conveyancer to settle, then review your rate periodically.
澳洲法律要求贷款经纪人以客户最佳利益行事。我们推荐的每一笔贷款都会有书面理由。Australian law requires mortgage brokers to act in your best interests. Every recommendation comes with written reasons.
贷款合同、利率类型、罚金、LMI，用中文逐项解释，再用英文和银行沟通。Loan contracts, rate types, break costs and LMI explained in Chinese or English, then negotiated with the bank in English.
购房、买生意、信托与 SMSF 结构往往涉及法律文件，我们与律师和会计师协同推进。Property, business and trust or SMSF purchases often need legal documents too. We work alongside your lawyer and accountant.
通常不需要。贷款成功交割后，由贷款机构向经纪支付佣金。少数复杂或私人贷款可能收取费用，我们会在开始前以书面形式告知，您同意后才会产生。Usually not. The lender pays the broker a commission once the loan settles. For some complex or private loans a fee may apply; we tell you in writing before any work begins, and it only applies if you agree.
取决于收入、现有负债、生活开支、家庭人数和贷款机构的评估利率。不同银行算法不同，差距可能很大。预约咨询后我们会按多家机构的标准为您测算。It depends on income, existing debts, living expenses, dependants and the lender's assessment rate. Lenders calculate differently and results can vary a lot. After a consultation we run your numbers against several lenders.
可以，但通常需要支付贷款人按揭保险（LMI）。首次置业者可能符合联邦政府首置业担保计划或维州首置业补助等条件，我们会根据当时的最新规则帮您核实。Yes, though Lenders Mortgage Insurance (LMI) usually applies. First home buyers may qualify for the federal Home Guarantee Scheme or Victorian first-home support. We check eligibility against the rules current at the time.
部分贷款机构接受，但会对收入折算比例、币种、首付比例和 FIRB 审批有额外要求。这类贷款更需要提前比较政策。Some lenders do, with extra conditions on how income is shaded, currency, deposit size and FIRB approval. These loans benefit most from comparing policy early.
一般包括身份证明、近期工资单或报税资料、银行流水、现有贷款与信用卡账单，以及购房合同。自雇人士通常需要两年报税表和财务报表。Usually ID, recent payslips or tax returns, bank statements, existing loan and credit card statements, and the contract of sale. Self-employed applicants typically need two years of tax returns and financials.
一个工作日内回复。中文或英文均可。We reply within one business day, in Chinese or English.