四种联系方式 · 一个团队 · 中文优先。Four ways to reach us. One team. Mandarin-first.

对客户 100% 免费。我们的收入来自银行的 commission——你贷款放款后银行付给我们，按行业标准，所有银行的 commission 几乎一样（0.65%–0.71% 上贷 + 0.15%–0.275% 续费），所以我们没有动机推某一家。如果用了我们的服务又决定不签贷款合同，也没有任何费用。100% free for you. We're paid by the lender after your loan settles. Industry-wide commissions are nearly identical across banks (0.65–0.71% upfront + 0.15–0.275% trail), so we have no incentive to push any specific lender. If you use our service but ultimately don't sign — no charge whatsoever.

能。我们有专门的非居民和签证持有人通道，对接 6 家有相关产品的银行——包括 482 工签、500 学签、188/888 商业签、PR 配偶担保、海外人民币 / 美元收入认证。一般来说海外收入需要 shading（折算 60–80%），LVR 上限 70–80%，部分需要 FIRB 批准。先把情况告诉我们，我们直接告诉你能不能、利率多少。Yes. We have dedicated non-resident and visa-holder pathways across 6 specialist lenders — covering 482 work, 500 student, 188/888 business, PR partner sponsorships, plus RMB/USD overseas income. Overseas income usually shaded to 60–80%, LVR capped at 70–80%, FIRB may apply. Send us your situation — we'll tell you directly if it works and what rate.

完全没问题。我们大多数客户都通过 Zoom + 微信 + DocuSign 远程完成——全澳 8 个州 / 领地服务体验一样：1 通通话 + 资料上传 + 银行对比 + 在线签字。文件由澳洲公证师视频公证（如需要）。Not a problem. Most of our clients work with us remotely via Zoom + WeChat + DocuSign — Australia-wide service across all 8 states & territories: one call + document upload + lender comparison + e-signing. Documents witnessed by Australian JP via video if needed.

第一次通话后 24 小时内——给你 3 家银行的对比表（利率 / 月供 / 总利息 / 各家政策差异）。如果是简单 PAYG 自住房，48 小时内能给你预批件。复杂结构（SMSF / 信托 / 海外收入）通常 5–7 天。Within 24 hours of our first call — 3-lender comparison (rate, monthly, total interest, policy differences). Simple PAYG owner-occ → pre-approval in 48 hours. Complex structures (SMSF, trust, overseas income) → typically 5–7 days.

可以。周六上午正常营业（10:00–14:00），周日和工作日晚上接受预约（额外 +$0，我们没有Yes. Saturday mornings (10–2pm) are standard. Sunday and weekday evenings by appointment (no after-hours fee). For overseas-based clients we time-shift — 8pm China/HK time = 6am Sydney, and we routinely take those calls.

第一次通话不需要任何资料——我们就是来听你的情况。如果你想加速，可以提前准备：身份证（护照 / 驾照）、近 3 个月银行流水、近 2 期 payslip、ATO 上一个财年税单。自雇 / 商业贷另加 BAS 报表 + 财报。SMSF 加 trust deed + 投资策略文件。但都可以通话后再传——没有Nothing for the first call — that's just us listening. If you want to fast-track: ID (passport/licence), 3 months bank statements, 2 recent payslips, last FY tax return. Self-employed/commercial → add BAS + financials. SMSF → add trust deed + investment strategy. But all of this can wait — no upfront-document requirement.