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
先比较现有贷款与新方案的利率、费用和剩余年限，再判断转贷或加贷是否适合。Compare rates, fees and remaining term before deciding whether refinancing or a top-up suits you.
了解5%首付计划、FHSS与州级优惠；各项资格须分别核实。Explore the 5% Deposit Scheme, FHSS and state assistance; check eligibility separately.
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先向现有贷款机构询问能否调整方案，再比较其他选择。我们结合贷款余额、剩余年限、利率、费用与产品功能，协助你评估是否值得转贷。优惠、估价要求和处理时间因贷款机构及申请情况而异。Ask your current lender about adjusting your loan, then compare alternatives. We review your balance, remaining term, rates, fees and features to help assess a switch. Offers, valuations and processing times depend on the lender and application.
如涉及自雇、ABN或BAS收入，先了解 自雇房贷材料与评估方式。For self-employed, ABN or BAS income, review our self-employed home loan guidance.
假设一次性转贷费用为$2,400，在余额与剩余年限不变的情况下，每月净支出减少$200，则简单回本时间为12个月（$2,400 ÷ $200）。这不是贷款报价或节省承诺。If one-off switching costs are $2,400 and net monthly outgoings fall by $200 with the same balance and remaining term, simple break-even is 12 months ($2,400 ÷ $200). This is not a loan quote or promised saving.
这是现金流初步比较，未计算资金时间价值。实际结果还受利率变化、费用、还款方式和贷款期限影响，应同时比较总利息与剩余本金。This is an initial cash-flow comparison and excludes the time value of money. Rates, fees, repayments and term affect results; compare total interest and outstanding principal too.
咨询时可准备现有贷款余额、利率、剩余年限、固定期结束日期，以及转贷或加贷的目的。贷款机构仍需评估收入、支出、负债及抵押物业；报价与咨询不代表批准。Have your loan balance, rate, remaining term, fixed-term end date and refinancing or top-up purpose ready. The lender still assesses income, expenses, debts and the property; a quote or discussion is not approval.
说明核对日期：2026年9月26日。以下资料解释比较方法，不代表本公司的即时利率或优惠。Guidance reviewed 26 September 2026. These sources explain comparison methods, not current Fingertips rates or offers.
ASIC Moneysmart — Switching home loans
CommBank — Refinancing guide (PDF)
Australian Government 5% Deposit Scheme 已取消收入上限与名额限制。符合条件的首购者可最低5%首付、无需LMI；部分符合条件的单亲或法定监护人可最低2%。仍须通过参与贷款机构的审批。The Australian Government 5% Deposit Scheme has no income caps or place limits. Eligible first home buyers may buy with a 5% deposit without LMI; eligible single parents or legal guardians may qualify with 2%. Participating-lender approval is still required.
核对公民或永久居民身份、购房历史、自住要求及所在地房价上限。政府担保保护贷款机构，并非替借款人偿还贷款。Check citizenship or permanent residency, ownership history, owner-occupation rules and local price caps. The guarantee protects the lender, not your repayments.
计入FHSS的合资格自愿供款，每财年最多$15,000、累计最多$50,000。这是供款限额，不是保证节税或可提取的金额。实际释放金额及相关收益由ATO按规则确定，税务结果因人而异。Eligible voluntary contributions counted towards FHSS are capped at $15,000 per financial year and $50,000 overall. These are contribution limits, not guaranteed tax savings or release amounts. The ATO determines the releasable amount and associated earnings; tax outcomes vary.
在房产所有权转移前申请FHSS determination，并按ATO当时规则核对释放申请时点与资格。Request an FHSS determination before property ownership transfers, and check the ATO’s current eligibility and release timing rules.
州级补助与印花税优惠有独立条件，不能假设一定可叠加。金额、资格与办理时点应按所在州和具体房产核实。State grants and duty concessions have separate conditions. Do not assume they can all be combined; verify the amount, eligibility and timing for your state and property.
资料核对：2026年9月26日。Information checked: 26 September 2026.
政府5%首付计划：资格与常见问题Government 5% Deposit Scheme: FAQs
政府FHSS说明Government FHSS guidance
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.