Home · Commercial · Construction · Car & Equipment loans.
Pick the situation that sounds like you.
FHBG · FHOG · Stamp Duty exemption · Refinance
Equity release · Multi-property · IO
House & Land · Knock-down rebuild · Progress draws
Shop · Warehouse · Office · Portfolio
Personal · Novated · Chattel Mortgage
457/482/485/PR · Foreign income · FIRB
Lower rate · Cashback · Debt consolidation
Low-doc · ABN-only · SMSF · Private Funds
Specialist private-fund solutions for cases banks can't match.
Sharp Full-Doc PAYG · stackable -25bps · expires May 2026
Sub-6% OO ≤70% LVR · $3.5M · NO risk fee
Foreign citizens from 19 countries · 80% LVR up to $2M
Low-6% · self-employed-friendly · no accountant letter
Low-mid 6% · 80% LVR · foreign-income accepted
Mid-6% · up to 80% LVR · Fee Waiver available
40-yr term · 90% LVR ≤$1M · for FHB under 40
Credit <500 · <50m² · high-density — done
From 6.24% · No risk fee · cashback eligible
No sign-up. Numbers update as you type.
Sydney-based bilingual broker EN/中文/廣東話.
Certified across 16 industry units.
WhatsApp, WeChat, Zoom or in-person.
A clear 1-page comparison.
I handle the paperwork.
Reviewed every 12-18 months.
Reply within 1 business hour. WeChat / WhatsApp 24h auto-reply.
Walk-ins by appointment · Online welcome.
Address: Shop 3/208 Forest Rd, Hurstville NSW 2220
Phone: 0450 288 866
Email: luke.huang@amwouther.com.au
Hours: Mon–Sat 9:00–18:00
Languages: English · 普通话 · 廣東話
Nothing for you. Brokers are paid by the lender at settlement.
10–20% standard. 5% with LMI. 5% no LMI under FHBG. 10% no LMI for some professions.
Yes. 80–90% LVR available. Lender choice matters.
~$40,090 for non-FHB. FHB partial concession at $1M.
If your rate is 0.3%+ above market best, usually pays back in <12 months.
Yes. SMSF needs Bare Trust setup. Commercial loans across all lender types.
All Sydney + interstate via Zoom / WeChat / WhatsApp.