在墨尔本找华人贷款经纪人，要的不只是「会讲中文」——而是真正懂华人买家的情况：父母从国内汇钱做首付、自雇现金生意报税利润低、刚拿 PR 或还在签证期、海外收入要换算入还款能力。掌忠贷是扎根墨尔本 CBD（Level 9, 3 Bowen Crescent）的持牌华人贷款经纪人（贷款中介），对接 40+ 家银行与非银行贷款机构，按你的收入结构和身份找出真正会批、利率又有竞争力的方案。中英文一对一，微信沟通，全程线上，3 分钟手机预审。Finding a Chinese mortgage broker in Melbourne should mean more than someone who speaks Mandarin — it means a broker who actually understands your situation: parents wiring a deposit from China, self-employed cash businesses with low declared profit, fresh PR or visa-stage income, offshore income converted into servicing. Fingertips Finance is a licensed Melbourne Chinese mortgage broker based in the CBD (Level 9, 3 Bowen Crescent), comparing 40+ bank and non-bank lenders to find the option that actually gets approved at a competitive rate. Bilingual one-on-one, WeChat, fully digital, 3-minute mobile pre-check with no credit pull.
这些情况主流大行的标准流程经常卡住，但换对贷款机构 + 把文件准备对就能解决。华人贷款经纪人的价值就在这里：Mainstream banks' standard process often stalls on these — but the right lender plus the right paperwork clears them. This is where a Chinese mortgage broker earns their keep:
国内汇款做首付，银行要看赠与信（gift letter）+ 资金来源 + 汇入路径。提前把文件理顺，避免到审批阶段卡住。我们帮你按每家银行的要求准备。A deposit wired from China needs a gift letter + source of funds + transfer trail. Get the paperwork right early to avoid stalling at assessment — we prepare it to each lender's requirement.
餐饮、零售、贸易这类生意，报税净利润经常算不出真实还款能力。可以通过加回（add-back）合理项目，或走灵活文档（alt-doc）/ BAS-only 路径——但要如实申报，主流贷款机构审得严。Hospo, retail and trade businesses often show declared profit that understates true capacity. Legitimate add-backs, or an alt-doc / BAS-only path, can help — but everything must be declared honestly; mainstream lenders scrutinise these closely.
PR 持有人多数主流大行可走标准房贷；临时签证（如 482 / 485 / 500）则贷款机构和 LVR 上限都受限，部分还要 FIRB。身份不同方案完全不同，要先对清楚。PR holders generally qualify for standard loans at major banks; temporary visas (482 / 485 / 500) face restricted lenders and LVR caps, sometimes FIRB. Residency status changes the whole plan — best confirmed upfront.
一方在国内或香港上班、收入是 RMB / HKD，少数贷款机构接受海外收入，但要雇主信 + 境外银行流水 + 翻译公证，且按汇率打折计入，LVR 上限通常 60–70%。When one partner earns RMB / HKD overseas, a handful of lenders accept offshore income — with an employer letter, offshore statements and certified translation, counted at a discounted FX rate, usually capped at 60–70% LVR.
维州首次置业印花税优惠（$600k 以下全免）、First Home Guarantee 5% 首付——但这些有身份和文档要求（如 PR / 公民、完整收入证明）。我们帮你算清能不能用、怎么用最划算。VIC first-home stamp-duty concession (full exemption under $600k) and the First Home Guarantee 5% deposit — but each carries residency and document conditions (PR / citizen, full income evidence). We model whether and how you qualify.
大多数银行接受父母赠与首付，但要三样东西：(1) 赠与信（gift letter）——父母签字声明这是无需偿还的赠与；(2) 资金来源说明——钱从哪来（工资 / 卖房 / 生意）；(3) 汇入路径——通过正规渠道进澳洲账户，最好提前 3–6 个月到账「沉淀」。部分银行还要求赠与资金在你账户里放满一段时间。提前理顺这三样，避免审批阶段卡住。我们按你选的银行的具体要求帮你准备清单。Most banks accept a gifted deposit but want three things: (1) a gift letter — parents declaring the funds are a non-repayable gift; (2) source of funds — where the money came from (salary / property sale / business); (3) the transfer trail — funds moved through proper channels into an Australian account, ideally seasoned 3–6 months. Some lenders also require the gifted funds to sit in your account for a period. Sort these early to avoid stalling at assessment — we prepare the checklist to your chosen lender's requirement.
能，但要走对路径。自雇 4 年 ABN 是好基础。如果有完整 2 年税单，能通过加回（add-back）把折旧、一次性支出等合理项目加回，提升计入收入；如果税单利润确实偏低，可走灵活文档（alt-doc）或 BAS-only 路径，凭 6 个月银行流水 + 4 个季度 BAS 评估，不靠净利润数字。注意：这些路径要如实申报，主流贷款机构审得严，不能虚报。我们按你的真实流水匹配最合适的贷款机构。Yes, with the right path. A 4-year ABN is a solid base. With two full years of tax returns, legitimate add-backs (depreciation, one-off costs) can lift assessable income; if declared profit is genuinely low, an alt-doc or BAS-only path assesses on 6 months' bank statements + 4 quarters of BAS rather than the net-profit figure. Note: these paths must be declared honestly — mainstream lenders scrutinise them and won't accept inflated figures. We match your real turnover to the right lender.
可以，但选择受限。临时签证（485 / 482 / 500 等）持有人多数主流大行不接或收紧，少数贷款机构接受，通常 LVR 上限 70–80%（首付 20–30%+），利率略高，部分情况要 FIRB 审批 + 海外人士印花税附加。具体看签证类型、剩余期限、收入是 PAYG 还是 ABN。我们对接接受临时签证的贷款机构，先帮你确认哪几家能做、首付要多少、总成本多少。Yes, but options are limited. Temporary-visa holders (485 / 482 / 500) are declined or tightened by most major banks; a few lenders accept them, typically at 70–80% LVR (20–30%+ deposit), slightly higher rates, and in some cases FIRB approval + foreign-buyer stamp-duty surcharge. It depends on visa type, time remaining, and whether income is PAYG or ABN. We work with lenders that accept temporary visas and confirm upfront which can do it, the deposit needed, and total cost.
可以，属于跨境申请。少数贷款机构接受海外收入计入还款能力，要求：雇主信 + 6 个月境外银行流水 + 翻译公证，海外收入按签约日汇率打折计入（通常乘 80% 左右），LVR 上限一般 60–70%。贷款机构通常偏好由有澳洲身份（PR / 公民）的一方做主借款人，海外配偶作共同申请人。具体能借多少看两边收入合计 + 首付。我们帮你跑这个结构，确认哪几家接、能批多少。Yes — this is a cross-border application. A few lenders accept offshore income into servicing, requiring an employer letter + 6 months' offshore statements + certified translation, counted at the contract-date FX rate with a discount (often ~80%), usually capped at 60–70% LVR. Lenders generally prefer the PR / citizen partner as the main borrower with the overseas spouse as co-applicant. Capacity depends on combined income + deposit. We model the structure and confirm which lenders accept it and how much they'll approve.
对客户免费——经纪费由放款银行支付（行业标准的 upfront + trail 佣金），跟你的利率、月供无关，所有费用在信贷报价单（Credit Quote）里书面披露。跟直接找一家银行的区别：单家银行只卖自己的产品；我们一次比较 40+ 家银行与非银行贷款机构的政策和利率，按你的收入结构、身份、首付来源挑最可能批、利率又有竞争力的那家——尤其华人买家的复杂情况（海外收入 / 自雇 / 签证），换对贷款机构差别很大。Free to you — the broker is paid by the lender (industry-standard upfront + trail commission), independent of your rate or repayment, with all fees disclosed in the Credit Quote. Versus a single bank: a bank only sells its own products, while we compare 40+ bank and non-bank lender policies and rates at once and match the most-likely-approved, competitively-priced option to your income, residency and deposit source — which matters a lot for complex Chinese-buyer cases (offshore income / self-employed / visa).
想看更多：墨尔本贷款公司 / 各区贷款经纪人 · 自雇人士贷款 · 专业人士房贷（大行免 LMI） · 40+ 银行利率More reads: Melbourne loan company / suburb brokers · Self-employed loans · Professional mortgages (big-bank LMI waiver) · 40+ lender rates