Malvern（3144）多是升级换房的双职工家庭，period home 翻新、买更大的学区房很常见，价位常在 $1.5M–$3M。掌忠贷的持牌经纪人比较 40+ 家银行的政策与利率，帮你算清「卖旧买新」的过桥贷款、翻新加按揭、双收入的借款上限。手机 3 分钟预审、中英文一对一。Malvern (3144) skews to dual-income families upsizing — renovating a period home or trading up for the school zone, often $1.5M–$3M. Fingertips Finance's licensed broker compares 40+ lenders to map bridging finance for buy-before-you-sell, renovation top-ups, and how far two incomes really stretch. 3-minute mobile pre-check, no credit pull, bilingual one-on-one.
过桥贷款（bridging loan）让你在卖旧房前先买新房，但各家银行对 peak debt、利息计法、卖房期限差别很大。Malvern 贷款经纪人帮你挑能接受你时间线的银行，把利息成本算清楚。A bridging loan lets you buy before the old home sells, but lenders differ a lot on peak debt, how interest is charged, and the sale deadline. A Malvern broker matches you to one that fits your timeline and prices the real interest cost.
能。可以用现有房产的 equity 做翻新加按揭，或走 construction loan 分期放款。关键是用哪种结构利息最省、又不影响后续借款能力。Yes — tap your existing equity for a renovation top-up, or use a construction loan with progress draws. The trick is which structure costs least in interest without crimping your future borrowing power.
各行的 serviceability buffer、加班/奖金/分红计入比例都不一样，同样的收入借款上限能差几十万。我们一次跑 40+ 家，找出对你家收入结构最友好的。Lenders' serviceability buffers and how they count overtime/bonus/dividends vary — the same income can borrow hundreds of thousands more at one bank than another. We run 40+ at once to find the kindest to your income mix.
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 Malvern，我们也是 Toorak、Kew、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 Malvern, we're a go-to mortgage broker across Toorak, Kew and Richmond. See the Melbourne suburbs overview.