First home, investment property, commercial or complex structures, handled end to end anywhere in Australia. 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.
Three free tools to size up your budget in two minutes — no phone number required.
Enter your income and expenses for a conservative estimate of how much you could borrow — bank assessments often come in higher.
Stamp duty and first-home concessions for every state — see what you would pay and what you could save.
Tell us your budget and we will shortlist three Melbourne suburbs you can afford and should see.
“…That's the thing with Steven, I don't chase anything, they just handle it. Wouldn't go anywhere else.”
Blanche Wang · via Google
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.
Auction’s tomorrow at 11 — can we stretch another $20k?
Yes — you’re clear to the limit we set. Call me from the auction if you need me.
Steven is fluent in English and Mandarin — providing full bilingual support throughout the entire home loan process. No detail gets lost in translation.
First home buyers aren’t expected to know this process. Keeping track of it is my job.
首次置业的人本来就不该懂这套流程。盯着它，是我的工作。
"As a first home buyer, I had a lot of questions and wasn’t familiar with the process. Steven explained everything clearly and stayed on top of the bank account setup, building insurance and settlement funds right through to settlement. Everything settled on time and the whole process felt much less stressful. I’d happily recommend him."
"Steven handled my refinance recently — full approval in about two weeks, and I’m saving over $300 a month. He knew exactly what he was doing and kept me updated the whole way. Recommended."
"This was my first investment property. He went through the cash flow with me and explained how this loan could affect my next purchase. I now know what to do before buying the next property, and how to plan for a few more after that. It feels like I’m one step closer to my goal of retiring early."
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.
Book a Free Call