Kew（3101）是顶级私校区（MLC、Trinity、Carey、Xavier），很多华人家庭冲着学区买房，价位常在 $2M 以上，也常有父母资助首付、多代同堂的安排。掌忠贷的持牌经纪人比较 40+ 家银行，帮你处理大额贷款、父母赠与首付（gift letter）、家庭担保（family guarantee）的结构。手机 3 分钟预审、中英文一对一。Kew (3101) is prime private-school territory (MLC, Trinity, Carey, Xavier) — many families buy for the catchment, often above $2M, frequently with parental deposit help or multi-generational plans. Fingertips Finance's licensed broker compares 40+ lenders to structure large loans, gifted deposits (gift letters) and family guarantees. 3-minute mobile pre-check, no credit pull, bilingual one-on-one.
大多数银行接受父母赠与首付，但要 gift letter，部分还要看资金停留时间（genuine savings）。各行要求不同——Kew 贷款经纪人帮你按目标银行的规矩提前把文件备齐，少走弯路。Most lenders accept a gifted deposit with a gift letter; some still want it to season as genuine savings. Requirements differ — a Kew broker preps the paperwork to your target lender's rules so it isn't a last-minute problem.
可以。用父母房产做担保（guarantor loan）能把 LVR 做高、免 LMI，但要算清担保人的风险敞口和退出条件。我们帮两代人把结构讲明白再签。Yes — a guarantor loan against the parents' property can lift LVR and skip LMI, but the guarantor's exposure and exit terms must be clear. We walk both generations through the structure before anyone signs.
大额贷款各家的 LVR 上限、利率折扣、收入审核差别很大。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. We run 40+ lenders to find the few that move on big loans and still price competitively.
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 Kew，我们也是 Toorak、Malvern、Richmond 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 Kew, we're a go-to mortgage broker across Toorak, Malvern and Richmond. See the Melbourne suburbs overview.