Home loans, investment, commercial & complex structures — bilingual English & Mandarin advice across Australia. 中英双语，比较30+银行利率。
From first home buyers to seasoned investors — we find the right loan for your situation.
Buying your first home? We guide you through every step — from borrowing capacity to settlement, plus access to all government grants and schemes.
Already have a home loan? We compare hundreds of lenders to find you a better rate and potentially save thousands every year.
Growing your property portfolio? We structure your loans to maximise tax benefits and borrowing power across multiple properties.
Purchasing commercial property or funding business operations? We navigate commercial lending across banks and non-bank lenders to get the right deal structured.
Complex income, company structures, or trusts? We specialise in low-doc and alt-doc lending for business owners and investors with non-standard financials.
We work differently — here's why our clients trust us.
Within two business days we run your numbers line-by-line across 11 bank calculators — a real borrowing figure, not a web-calculator guess.
Standard broking is paid by the lender — you pay nothing extra. Our First Home Compass program is a clearly priced optional service. Professional value, no hidden fees.
We compare rates from over 30 banks and lenders — including the Big 4 and specialist lenders — to find the best fit.
We handle the paperwork so you don't have to. From gathering documents to submitting your application — Steven manages the whole process and keeps you updated at every step.
Have a question at 9pm before an auction? Steven is reachable via phone, SMS, and email — you'll never feel like just another client number.
Steven is fluent in English and Mandarin — providing full bilingual support throughout the entire home loan process. No detail gets lost in translation.
"Steven made buying our first home so much less stressful. He explained everything clearly, got us a great rate, and we settled in under 6 weeks."
"I refinanced through Steven and saved $480/month. He found a rate my bank couldn't match and the whole process took less than 2 weeks."
"Steven helped us purchase our investment property. He structured the loan perfectly and the whole process was seamless."
Your borrowing capacity depends on your income, expenses, existing debts, and the lender's criteria. We run the numbers across 30+ lenders to find your maximum — book a free call and we'll estimate it in minutes.
For standard mortgage broking you don't pay us — we're paid a commission by the lender once your loan settles, disclosed upfront. First Home Compass, our first-home support program, is a separately priced optional service.
A fixed rate locks in your repayments for a set period (usually 1-5 years), giving you certainty. A variable rate can go up or down with the market but usually offers more flexibility. We'll recommend what suits your situation best.
Approval timing is set by the lender — typically a few business days. What we commit to: a full pre-assessment across 11 bank calculators within 48 hours, so you apply to the right lender with complete documents and the best shot at first-time approval.
Absolutely. We help you navigate all government grants and schemes including the First Home Owner Grant, First Home Guarantee, and stamp duty concessions. We make sure you don't miss anything you're entitled to.
Typically: photo ID, recent payslips, bank statements (last 3 months), tax returns (if self-employed), and a summary of your assets and liabilities. We'll give you a clear checklist when we start.
Yes! Steven is fluent in both English and Mandarin. We provide full bilingual support from first consultation through to settlement. Nothing gets lost in translation.
Book a free 30-minute call. No obligation, no jargon — just clear advice from a broker who's on your side.
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