智能后台帮你比对 40+ 家银行的政策与利率，持牌 broker 对每一份资料做人工判断、和银行直接沟通。下面是每一步的细节：我们做什么、你需要做什么、大概多久。An intelligent back-end compares 40+ lenders' policies and rates; a licensed broker reviews every file and negotiates with the bank. Here's each step — what we do, what you do, how long.
收入范围、首付额、贷款用途、签证状态——只问会真正影响匹配的 6 个问题。不需要上传文件、不用留电话也能看到结果。Income range, deposit, purpose, visa — six questions that actually move the match. No documents, no credit check, no phone required to see results.
同时跑 40+ 家银行的产品政策、当前利率、批准概率模型。先把不接受你情况的银行（比如不做 482 签证的）过滤掉，再按In parallel: 40+ lenders' product policies, current rates, approval-likelihood models. Filters out lenders that won't accept your situation (e.g. no 482 visas), ranks the rest by most-likely-to-approve, surfaces the top 5.
智能 给的是数据，broker 给的是判断。同日（工作日）联系你，把前 3 名的差异讲清楚——offset 账户值不值得多 0.05%、自雇怎么准备材料、签证到期前如何提前转贷。所有沟通用中文或英文，你选。smart matching gives the data; the broker gives judgment. Same business day, your broker walks you through the top 3 — whether the offset is worth 0.05 pp more, how to prep self-employed evidence, how to refinance before visa expiry. In your language.
文件签字全程电子化（DocuSign 等）。Broker 帮你准备申请材料，提交到选定银行，跟进 valuation、conditional approval、unconditional approval。Settlement 由全国 settlement agent 网络处理，不用你飞墨尔本。E-signed throughout. Broker preps your application, submits to the chosen lender, chases valuation → conditional → unconditional approval. Settlement handled by our nationwide agent network — no flights required.
对你免费。Broker 的佣金由放款的银行直接支付，跟你的利率和月供无关。所有费用细节会在第 3 步明确写在 Credit Quote 里。Free to you. The broker's commission is paid directly by the lender, separate from your rate or repayment. Full disclosure in the Credit Quote at Step 3.
工作签证（如 482、485）通常可做到 80% LVR；少数银行接受 90%（需 LMI）。学生签证（500）大多数银行不接，只有少数 non-bank lender 可以做，利率会高一些。智能后台会自动筛掉不接受你签证类型的银行——不用你自己一家家问。Working visas (e.g. 482, 485) typically up to 80% LVR; a few lenders go to 90% with LMI. Student visas (500) are declined by most banks — only a handful of non-bank lenders consider them, usually at higher rates. The smart matching auto-filters lenders that don't accept your visa — no more calling around to find out.
有 6 家银行接受 1 年报税、2 家接受 6 个月银行流水替代。Broker 知道每家银行的偏好，会帮你把材料准备成银行最容易批的格式。6 lenders accept 1-year tax returns; 2 accept 6-month bank statements as substitute. Your broker knows each lender's preferences and packages your docs accordingly.
可以。视频会议 + DocuSign + 全国 settlement agent。VIC 之外我们已经办过 1,200+ 单。Yes. Video calls, DocuSign, and a nationwide settlement-agent network. We've funded 1,200+ deals outside VIC.