Toorak（3142）是墨尔本最贵的区之一，百万、几百万的房贷很常见。掌忠贷的持牌经纪人比较 40+ 家银行的政策与利率，专办 Toorak 及周边 Malvern、Kew、South Yarra 的自住、投资与大额（jumbo）贷款。手机 3 分钟预审、中英文一对一。Toorak (3142) is one of Melbourne's most expensive suburbs — million-dollar-plus mortgages are routine. Fingertips Finance's licensed broker compares 40+ lenders' policies and rates, specialising in owner-occupier, investment and jumbo loans across Toorak, Malvern, Kew and South Yarra. 3-minute mobile pre-check, no credit pull, bilingual one-on-one.
$2M 以上的贷款，各家银行的 LVR 上限、利率折扣、收入审核差别很大。Toorak 贷款经纪人知道哪几家对高净值客户给得动——而不是让你一家家碰运气。Above $2M, lenders differ sharply on LVR caps, rate discounts and income tests. A Toorak mortgage broker knows which few actually move for high-net-worth clients — instead of you guessing bank by bank.
Toorak 不少买家是企业主或专业人士，收入结构复杂。有银行接受 1 年报税、公司财报或会计师信，自雇人士贷款也能批——关键是把材料整理成银行最容易过的格式。Many Toorak buyers are business owners or professionals with complex income. Some lenders accept 1-year tax returns, company financials or an accountant's letter — self-employed loans get approved when the file is packaged the way that lender likes.
已经有几套房、想再加杠杆？我们会把你的整体 debt position 和各行的 serviceability buffer 一起算，找出还能借得动的银行与结构。Already hold a few properties and want to add leverage? We model your whole debt position against each lender's serviceability buffer to find who can still lend, and how to structure it.
对你免费。贷款经纪人的佣金由放款银行支付，跟你的利率、月供无关，所有费用会在 Credit Quote 里写清楚。Free to you. The broker's commission is paid by the lender, separate from your rate or repayment — fully disclosed in your Credit Quote.
除了 Toorak，我们也是 Malvern、Kew、Richmond 等墨尔本区华人家庭常用的贷款经纪人。看看 墨尔本各区贷款经纪人 总览。Beyond Toorak, we're a go-to mortgage broker across Malvern, Kew and Richmond. See the Melbourne suburbs overview.