掌忠贷是扎根墨尔本 CBD 的本地贷款公司，专做房屋贷款的持牌华人贷款经纪人（贷款中介）——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+ 家银行的政策与利率，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 company and licensed mortgage broker for Chinese-Australian families — 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+ 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.
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.
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。3 分钟预审看看你的选项，或直接联系我们。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. Run a 3-minute pre-check to see your options, or get in touch.