不只是房贷。从首套自住到 SMSF、商业地产到设备贷款，我们对接 40+ 家银行的全部产品线，按你的现金流和身份结构做匹配，不再被单一银行的政策卡死。More than home loans. From first-home owner-occ to SMSF, commercial real estate to equipment finance — we work across 40+ lenders' full product lines and match to your cashflow and visa structure, not whatever one bank happens to offer.
自住购房或换房——本息还款 / 浮动 + 固定组合 / 最高 95% LVRBuying or upgrading the home you'll live in — P&I, fixed/variable splits, up to 95% LVR with LMI
投资型物业——只还息 / 现金流优化 / 多套物业组合搭建Buy-to-let property — interest-only options, cashflow-positive structuring, multi-property strategies
还在用 6.5% 的旧合约？我们帮你跳到 5.79%——年省 $4,000+，同时提取股本做装修或投资Still on 6.5%? We'll get you to 5.79% — save $4k+/year, optionally release equity for renos or investment
FHBG / FHSS / 印花税减免——5% 首付即可无 LMI 上车Federal & state schemes — buy with 5% deposit, no LMI, plus stamp-duty relief
商铺 / 写字楼 / 仓库——70% LVR · 最长 25 年期 · 接受 alt-docOffice, retail, industrial — up to 70% LVR, 25-year terms, alt-doc available
用养老金账户买投资物业——LRBA 结构 / 单一资产 / 70% LVRBuy investment property inside your super fund — LRBA structure, 70% LVR, single asset
land + build / knockdown rebuild / 大规模装修——分阶段放款，建造期只还息Land + build, knockdown rebuild, major renos — staged drawdowns, IO during build
商用车 / 工程设备 / 私人豪车——chattel mortgage / 营运租赁 / novated leaseCommercial vehicles, machinery, luxury cars — chattel, lease, novated lease structures
自住房贷利率最低、政策最宽松。FHB / 升级换房 / 海外身份回流，我们会按你的现金流和首付能力，从 40+ 家银行里挑出 3 家最匹配的，给出对比表，你来选。Owner-occupier rates are the cheapest in the market and policies the most flexible. Whether first-home, upgrader, or returning expat, we shortlist three lenders from 40+ based on your deposit & cashflow — full side-by-side comparison, your call.
投资贷不只是一个产品，是一套结构——只还息怎么排，何时回本息，哪些用信托哪些用个人，跨行 cross-collateral 还是独立 facility，每一个决定都影响未来 10 年的现金流。Investment lending isn't a product — it's a structure. When to use IO, when to revert, what goes in trust vs personal, when to cross-collateralise vs keep facilities independent. Each decision shapes the next decade of cashflow.
把现有所有贷款合同发给我们，48 小时内回你一份独立的Send us your current loan docs — within 48hrs you'll get an independent Portfolio Health Report covering LVR concentration, rate premium, exit risk, gearing efficiency.
申请组合诊断Request audit银行从来不会主动给老客户最低利率。每年 6 月 / 12 月是 cashback 高峰期，我们帮你比价 + 谈判 + 转贷，平均 14 天搞定，年省 $4,000+。Banks never volunteer their best rate to existing customers. June and December are cashback peaks. We benchmark, negotiate, refinance — 14 days end-to-end, $4k+/year average savings.
联邦 First Home Guarantee（HGS）+ 各州印花税减免——理论上你能省下 $40,000+。但每个 scheme 有独立的收入门槛、房产价格上限、申请窗口和银行参与名单——我们帮你交叉规划，不让任何一个失效。Federal HGS + state stamp-duty exemptions can save you $40k+ — but each scheme has its own income caps, price limits, application windows, and lender list. We map them so none accidentally lapse.
商业贷的难点不在利率，在审批逻辑——租约、租客质量、空置风险、industry exposure 都被审批，alt-doc / lease-doc 模式能绕过 PAYG 限制。我们对接 8 家商业贷专精银行 + 3 家私募基金。Commercial isn't about rate — it's about credit logic. Lease quality, tenant covenant, vacancy risk, industry exposure all get scrutinised. Alt-doc / lease-doc paths bypass PAYG constraints. We work with 8 commercial-focused banks + 3 private credit funds.
SMSF 贷款是合规雷区——bare trust 必须先于贷款合同存在，单一资产规则不能违反，租金必须 arms-length。结构错一步，整个 SMSF 都可能 non-complying，被罚 45% 顶格税。我们只对接持牌 SMSF 律师 + 专精会计师。SMSF lending is a compliance minefield — bare trust must pre-exist the loan, single-asset rule strict, rent must be arm's-length. One structural mistake and the whole fund risks non-complying status (45% penalty tax). We only work with licensed SMSF solicitors + specialist accountants.
SMSF 不是普通房贷，多一个律师 + 会计师协调环节——我们是少数有专门 SMSF 流程团队的中文经纪人，平均 28 天 settle，零 non-complying 案例。SMSF isn't a standard mortgage — there's an extra solicitor + accountant coordination layer. We're one of the few Chinese-language brokers with a dedicated SMSF workflow team — 28-day average settle, zero non-complying outcomes.
预约 SMSF 咨询Book SMSF call建造期分阶段放款（6 个阶段），建造期间只还息（节省现金流），完工自动转 P&I。但每个阶段都要银行验收 → 律师签字 → 资金放款，时间错位会停工——我们替你协调三方。Drawdowns happen across 6 stages — IO during build (preserves cashflow), auto-revert to P&I at handover. Each stage needs bank inspection → solicitor signoff → fund release. Mistime any one and the build stalls. We coordinate all three sides.
chattel mortgage（GST 即时退还）/ 商业租赁（运营成本入账）/ novated lease（PAYG 个人车也能省税）——选错产品每年多付 $5k 税。Chattel mortgage (instant GST refund) / commercial lease (op-ex deductible) / novated lease (PAYG salary-package). Pick the wrong structure and you'll overpay $5k/year in tax.
把你的情况告诉我们——身份、收入、目标——15 分钟通话后，我们直接给你 3 家最合适的银行 + 利率，不用先填一堆表。Tell us about you — visa status, income, goal. After a 15-min call we'll come back with the 3 best-fit lenders + rates. No paperwork upfront.