Canterbury（3126）是墨尔本内东老牌富人区，Federation、Edwardian 等百年 period home 多，常带 heritage overlay，价位常在 $3M 以上。掌忠贷的持牌经纪人比较 40+ 家银行，帮你处理高端房产的大额（jumbo）贷款、heritage 房产的估价与翻新加按揭、以及高净值客户的复杂收入审核。手机 3 分钟预审、中英文一对一。Canterbury (3126) is one of Melbourne's established inner-east prestige suburbs — Federation and Edwardian period homes, often heritage-overlaid, frequently $3M+. Fingertips Finance's licensed broker compares 40+ lenders for jumbo loans on premium property, valuations and renovation top-ups on heritage homes, and complex high-net-worth income assessment. 3-minute mobile pre-check, no credit pull, bilingual one-on-one.
大额贷款各家的 LVR 上限、利率折扣、收入审核差别很大，超过一定额度还可能走 private/特批通道。我们一次跑 40+ 家，找出对高额贷款给得动、利率又有竞争力的那几家。On large loans, LVR caps, rate discounts and income tests vary widely, and above a threshold some go through private or specialist channels. We run 40+ lenders to find the few that move on big loans and still price well.
heritage overlay 的房子估价更看可比成交，不同银行用的估价方可能给出不同数字，直接影响你的 LVR 和需不需要 LMI。贷款经纪人知道哪些银行/估价方对这类房产更合理。Heritage-overlaid homes lean on comparable sales, and different lenders' valuers can come back with different numbers — which moves your LVR and whether you need LMI. A broker knows which lenders/valuers are fairer on this kind of property.
能。可以用现有 equity 做翻新加按揭，或走 construction loan。heritage 限制下的翻新预算和放款节奏要提前对齐，我们帮你选利息最省又不卡现金流的结构。Yes — use existing equity for a renovation top-up, or a construction loan. Under heritage constraints the reno budget and draw schedule need aligning early; we pick the structure that costs least in interest without choking cash flow.
对你免费。贷款经纪人的佣金由放款银行支付，跟你的利率、月供无关，所有费用会在 Credit Quote 里写清楚。Free to you. The broker's commission is paid by the lender, separate from your rate or repayment — fully disclosed in your Credit Quote.
除了 Canterbury，我们也是 Balwyn、Kew、Toorak 等墨尔本区华人家庭常用的贷款经纪人。看看 墨尔本各区贷款经纪人 总览。Beyond Canterbury, we're a go-to mortgage broker across Balwyn, Kew and Toorak. See the Melbourne suburbs overview.