Who this is for适合人群
👨👩👧 Young families
Buying your first family home in Brisbane suburbs like Sunnybank, Robertson, Eight Mile Plains.
💼 Professionals with stable income
PAYG employees with 6+ months at current job. Government scheme eligible.
🏠 Parents helping kids
Family pledge loans, guarantor structures, gifted deposits — done correctly.
🇦🇺 New migrants & residents
PR holders, recent citizens. We know which lenders accept your visa history.
👨👩👧 年轻家庭
在 Sunnybank、Robertson、Eight Mile Plains 等区买第一套自住房。
💼 稳定收入的上班族
PAYG 雇员，当前工作 6 个月以上。符合政府首置补贴资格。
🏠 帮孩子买房的父母
父母担保贷款、连带担保结构、首付赠予——合规做对。
🇦🇺 新移民与新居民
PR 持有人、新公民。我知道哪些银行接受你的签证背景。
How it works申请流程
- Free 30-min consultation — We discuss your situation, budget, and goals. No obligation, no fees.
- Borrowing power assessment — I calculate exactly how much you can borrow across 30+ lenders.
- Pre-approval — We submit your application. Pre-approval in as fast as 3 business days.
- Property search — You shop with confidence knowing your exact budget. I'm on call.
- Full approval & settlement — Contract signed, formal approval issued, settlement coordinated with your conveyancer.
- 30 分钟免费咨询 —— 我们讨论你的情况、预算、目标。无任何承诺，无任何费用。
- 评估借款能力 —— 我精确算出 30+ 银行能给你多少额度。
- 预批申请 —— 提交你的预批申请，最快 3 个工作日下预批信。
- 看房选房 —— 你拿着确定的预算去看房。期间我随时电话支持。
- 正式批贷 + 交割 —— 合同签订、正式批贷、与你的过户律师协调 settlement。
What you'll need所需材料
- Driver's licence or passport (proof of ID)
- Last 2 payslips (PAYG income)
- Last 3 months bank statements (any account showing savings genuineness)
- Most recent tax return / Notice of Assessment
- List of current debts (car loans, credit cards, HECS)
- Visa documentation (if non-citizen)
- 驾照或护照（身份证明）
- 最近 2 张工资单（PAYG 工资）
- 最近 3 个月银行流水（任何能体现真实储蓄的账户）
- 最新一年的报税单 / Notice of Assessment
- 当前负债清单（车贷、信用卡、HECS 学生贷款）
- 签证文件（非公民需要）
Common questions常见问题
Do I really only need 5% deposit?
Yes — under the Home Guarantee Scheme, eligible first home buyers can purchase with just 5% deposit and avoid LMI. There's a limited number of places each year. I'll check your eligibility in the first call.
How much stamp duty will I pay?
In QLD, first home buyers purchasing under $700K can get a full stamp duty concession. Between $700K-$800K is a partial concession. I'll calculate your exact figure based on the property.
What if I'm self-employed or new to Australia?
Different rules apply but both situations are completely workable. We have lenders for almost every situation — let's discuss yours in the consultation.
How much can I borrow?
Usually 5-7x your gross household income, depending on debts and lender. Use the borrowing power calculator on the homepage for a quick estimate, then we'll dial it in precisely.
真的只要 5% 首付吗？
是的——根据 Home Guarantee Scheme，符合条件的首次购房者只需 5% 首付即可购房，且免 LMI 保险。每年名额有限。第一次通话我会帮你看是否符合资格。
印花税要交多少？
在 QLD 州，首次购房者购买 70 万以下房产可获得全额印花税减免；70-80 万之间为部分减免。我会根据具体房产帮你算清楚。
如果我是自雇或新移民呢？
规则不同但都完全可以做。我们对接的银行里有适合几乎所有情况的方案——预约咨询时详细聊。
我能借多少？
通常是家庭总收入的 5-7 倍，取决于负债和银行。先用首页的借款能力计算器估算，再由我精确测算。
Ready to get started?准备好开始了吗？
Free 30-minute consultation. No obligation. Just honest advice. 30 分钟免费咨询。无任何承诺。只有诚实建议。
📅 Book Free 30-Min Consult预约 30 分钟免费咨询