掌忠贷是扎根墨尔本 CBD 的本地贷款中介 / 贷款公司，也是专做房屋贷款的持牌华人贷款经纪人——从内东区的 Toorak、Kew，到 Malvern、Richmond，各区都能办。无论你是首次购房、换大房、买投资房、办建筑贷款、做再融资（转贷），还是自雇人士、海外人士、需要商业贷款，我们比较 40+ 家银行与非银机构的政策和利率，按你所在区和情况找出最可能批、利率又有竞争力的方案。做墨尔本贷款，省时间也省利息。手机 3 分钟预审，中英文一对一。Fingertips Finance is a Melbourne CBD-based loan broker company and licensed Chinese mortgage broker — from Toorak and Kew in the inner east to Malvern and Richmond, every suburb. First home, upsizing, investment, construction or refinance — and self-employed or overseas buyers too — we compare 40+ bank and non-bank lenders' policies and rates and match your suburb and situation to the most-likely-approved, competitively-priced option. 3-minute mobile pre-check, no credit pull, bilingual one-on-one.
先按你的贷款目的看清需要准备的资料和流程，再进入产品说明与预审。以下三个入口对应目前已有展示的商业、建筑和转贷查询。Start with your loan purpose, then review the relevant documents and process before a pre-check. These three paths match the commercial, construction and refinance queries already reaching this page.
商铺、商业地产与投资项目，结合租约、现金流和物业类型匹配贷款机构。Match commercial property finance to the lease, cash flow and property type.
从土地、建筑合同到分阶段放款，按项目现金流与银行 drawdown 要求安排。Plan the loan from land and building contract through each construction drawdown.
比较现有利率、转贷成本与现金返还，先确认是否值得转，再协助提交申请。Compare your current rate, refinance costs and cashback before deciding whether to switch.
懂中国收入结构、海外首付来源、签证身份——中英文一对一，专为华人买家的复杂情况。Fluent in Chinese income, offshore deposits and visa status — bilingual one-on-one for complex Chinese-buyer cases.
ABN 持有人、Pty Ltd 老板、个体户——4 条收入路径（全文档 / 1 年 / BAS-only / 灵活文档），合理加回提升借款力。ABN holders, Pty Ltd directors, sole traders — 4 income paths (full-doc / 1-year / BAS-only / alt-doc), add-backs to boost borrowing power.
医生、律师、会计师、注册护士——PAYG 收入直走主流大行，最高 95% LVR 不付 LMI。Doctors, lawyers, accountants, nurses — PAYG income straight to major banks, up to 95% LVR without LMI.
高端房产、大额 jumbo 贷款、自雇与高净值客户。Premium property, jumbo loans, self-employed and high-net-worth clients.
升级换房、过桥贷款、period home 翻新加按揭。Upsizing families, bridging finance, period-home renovation top-ups.
名校区大额贷款、父母赠与首付、家庭担保。School-zone large loans, gifted deposits, family guarantees.
首次购房、公寓贷款限制、投资房现金流结构。First-home buyers, apartment lending limits, investment cash-flow structuring.
Balwyn High 学区房大额贷款、推倒重建、父母资助首付。Balwyn High school-zone large loans, knockdown-rebuilds, parental deposit help.
McKinnon 与 Bentleigh 学区房、首次购房与升级换房、转贷加按。McKinnon and Bentleigh school zones, first homes and upgrades, refinancing.
heritage period home 大额贷款、老宅估价、翻新加按揭。Heritage period-home jumbo loans, valuations, renovation top-ups.
没关系——40+ 家银行的比价逻辑全墨尔本（其实全澳）通用。South Yarra、Hawthorn、Box Hill、Glen Waverley、Doncaster 等区我们都做。先做 3 分钟预审 看看你的选项；如属自雇、ABN 或 BAS 收入，先看 墨尔本自雇人士贷款。想看华人买家或全国服务范围，再看 墨尔本华人贷款经纪人 和 澳洲华人贷款中介。No problem — the 40+ lender comparison works across all of Melbourne (and Australia). We cover South Yarra, Hawthorn, Box Hill, Glen Waverley, Doncaster and more. Start with a 3-minute pre-check; if you have self-employed, ABN or BAS income, see self-employed home loans in Melbourne first. For the Chinese-buyer or nationwide angle, see Melbourne Chinese mortgage broker and Australia Chinese mortgage broker.