不在墨尔本也没关系——掌忠贷是服务全澳的华人贷款经纪人（贷款中介），NSW、VIC、QLD、WA、SA、ACT、TAS、NT 各州都做。身份验证、文件上传、视频沟通、电子签名全在手机上完成，不用见面。我们对接 40+ 家银行与非银行贷款机构，特别懂华人买家的情况：海外收入、自雇生意、父母首付、PR / 签证身份。中英文一对一，微信沟通，3 分钟预审，按你所在的州和情况找出最可能批、利率又有竞争力的方案。You don't have to be in Melbourne — Fingertips Finance is an Australia-wide Chinese mortgage broker serving every state (NSW, VIC, QLD, WA, SA, ACT, TAS, NT). ID verification, document upload, video meetings and e-signing all happen on your phone, no in-person needed. We compare 40+ bank and non-bank lenders and understand Chinese-buyer situations — offshore income, self-employed businesses, parental deposits, PR / visa status. Bilingual one-on-one, WeChat, 3-minute pre-check with no credit pull, matched to your state and situation.
贷款审批靠的是文件和政策，不是地理位置。40+ 家银行的比价逻辑全澳通用，整个流程在手机上跑完：Loan approval runs on documents and policy, not geography. The 40+ lender comparison works nationwide and the whole process runs on your phone:
主要华人城市的首次购房、投资房、换房升级。各州印花税和首次置业补助规则不同，我们按你所在州算清。First home, investment and upsizing across the main Chinese-population cities. Stamp duty and first-home schemes differ by state — we model your state's rules.
报税利润低、现金生意——全文档（full-doc）、灵活文档（alt-doc）、BAS-only 多条路径，凭真实流水匹配贷款机构。如实申报，不虚报。Low declared profit, cash businesses — full-doc, alt-doc and BAS-only paths, matched to real turnover. Declared honestly, never inflated.
一方在国内 / 香港上班拿 RMB / HKD，少数贷款机构接受海外收入，要雇主信 + 境外流水 + 翻译公证，LVR 上限通常 60–70%。One partner earning RMB / HKD offshore — a few lenders accept it with employer letter + offshore statements + certified translation, usually capped at 60–70% LVR.
PR 多数可走标准房贷；临时签证（482 / 485 / 500）贷款机构和 LVR 受限、部分要 FIRB。身份不同方案不同，先对清楚。PR generally qualifies for standard loans; temporary visas (482 / 485 / 500) face restricted lenders, LVR caps and sometimes FIRB. Status changes the plan — confirmed upfront.
能。我们服务全澳（NSW、VIC、QLD、WA、SA、ACT、TAS、NT），整个流程在手机上完成——身份验证、文件上传、视频沟通、电子签名都不用见面。贷款审批看的是你的收入、负债、首付和物业，跟你和经纪人在不在同一个城市无关。各州印花税和首次置业补助规则不同，我们按你所在州帮你算清。中英文一对一，微信随时联系。Yes. We serve all of Australia (NSW, VIC, QLD, WA, SA, ACT, TAS, NT), and the entire process runs on your phone — ID verification, document upload, video meetings and e-signing, no in-person needed. Approval depends on your income, debts, deposit and property, not whether you and the broker share a city. Stamp duty and first-home schemes differ by state — we model your state's rules. Bilingual one-on-one, WeChat anytime.
安全。澳洲的房贷流程本来就大量数字化：身份验证走持牌电子核验，文件通过加密渠道上传，正式申请用电子签名（行业标准 DocuSign 类工具），交割走 PEXA 电子结算平台。你手机拍照上传驾照、工资单、银行流水即可，OCR 自动提取减少手填。我们是持牌经纪人（ACR 530340），受 NCCP 法和隐私法（Privacy Act 1988）约束，所有费用在信贷报价单（Credit Quote）里书面披露。Yes. Australian mortgage processing is already heavily digital: ID via licensed electronic verification, documents uploaded through encrypted channels, formal applications e-signed (industry-standard tools like DocuSign), and settlement via the PEXA electronic platform. You photograph your licence, payslips and statements; OCR auto-extracts to reduce manual entry. We're a licensed broker (ACR 530340) bound by the NCCP Act and Privacy Act 1988, with all fees disclosed in the Credit Quote.
贷款层面的首付要求（LVR）全澳基本一致——自住房 LVR 通常上限 80%（不付 LMI）或最高 95%（付 LMI），看贷款机构和你的情况。但印花税和首次置业补助是各州政府管的，差别很大：维州首次置业 $600k 以下印花税全免，NSW、QLD、WA 各有自己的门槛和减免。买房总落地成本 = 贷款 + 印花税 + 各项费用，要按你买房所在的州算。我们预审时按你的州给一份总成本估算。Deposit requirements (LVR) are broadly the same nationwide — owner-occupier LVR typically caps at 80% (no LMI) or up to 95% (with LMI), depending on lender and situation. But stamp duty and first-home schemes are set by each state and vary widely: VIC exempts first-home stamp duty under $600k, while NSW, QLD and WA each have their own thresholds and concessions. Total landing cost = loan + stamp duty + fees, calculated for the state you're buying in. We provide a state-specific cost estimate at pre-check.
一家银行分行只卖自己的产品，审不过就到此为止；我们一次比较 40+ 家银行与非银行贷款机构的政策和利率，按你的情况挑最可能批的那家——华人买家常见的海外收入、自雇、签证身份这些复杂情况，换对贷款机构差别很大。对客户免费（经纪费由放款银行付）。而且全程中英文一对一，重要条款用中文讲清楚再签，不会因为语言吃亏。A single branch only sells its own products and stops if it declines you; we compare 40+ bank and non-bank lenders at once and match the most-likely-approved option to your situation — which matters for the offshore-income, self-employed and visa cases common among Chinese buyers. Free to you (the lender pays the broker). And it's bilingual one-on-one throughout, with key terms explained in Chinese before you sign, so language is never a disadvantage.
想看更多：墨尔本华人贷款经纪人 · 澳洲房屋贷款总览 · 自雇人士贷款 · 40+ 银行利率More reads: Melbourne Chinese mortgage broker · Australian home loan overview · Self-employed loans · 40+ lender rates