为什么要用贷款经纪？
很多新移民不知道，在澳洲找贷款经纪是完全免费的。经纪人的佣金由银行支付，你不需要花一分钱。但用经纪人有这些好处：
- 比较几十家银行的利率和产品
- 帮你处理所有文件，节省时间
- 争取更好的利率，经纪人有谈判筹码
- 解决复杂情况，如自雇、海外收入、信用问题
怎么判断一个经纪人靠不靠谱？
1. 资质检查
- 必须持有 Australian Credit Licence (ACL) 或在持牌公司下注册
- 在 ASIC 可以查到注册信息
- 加分项：MFAA 或 FBAA 会员
2. 银行Panel数量
- 好的经纪人应该有 20+ 家银行 在panel上
- 如果只有几家银行，可能推荐偏向佣金高的而非最适合你的
- 问他：你有哪些银行？主要推荐哪几家？为什么？
3. 服务语言
- 华人经纪人优势：中文沟通、理解海外资产、熟悉华人客户常见情况
- 确认他是否能处理你的特殊需求（如海外收入证明、支付宝/微信流水）
4. 响应速度
- 贷款审批有时间要求，慢一天可能错过好的利率
- 好的经纪人应在 24小时内 回复你的咨询
- 周末能不能联系到也很重要
5. 过往案例
- 问他有没有处理过跟你类似的案例
- 成功率如何？平均审批时间多长？
贷款类型简介
| 类型 | 说明 | 适合人群 |
|---|---|---|
| 固定利率 (Fixed) | 锁定利率1-5年 | 想要稳定月供 |
| 浮动利率 (Variable) | 随市场变动 | 计划提前还款 |
| 分割利率 (Split) | 一部分固定一部分浮动 | 想平衡风险 |
| 只还利息 (Interest Only) | 只还利息不还本金 | 投资客 |
| Offset Account | 存款抵消贷款利息 | 有现金储备 |
华人常见问题
Q: 海外收入能贷款吗？
A: 可以，但银行要求更多证明，利率可能略高。好的经纪人知道哪些银行对海外收入友好。
Q: 刚拿到PR能贷款吗？
A: 可以。大多数银行对PR持有者和公民一视同仁。
Q: 自雇能贷多少？
A: 取决于你的报税收入（不是营业额）。Low Doc贷款可以用会计信做证明。
在CutMyRate上比较800+澳洲贷款经纪人，找到最适合你的免费服务。
English Version
Why Use a Mortgage Broker?
In Australia, using a mortgage broker is completely free. Brokers are paid by the lender, not by you. Benefits include:
- Compare dozens of lenders — rates, features, and fees
- Save time — brokers handle all the paperwork
- Better rates — brokers have negotiating power
- Solve complex situations — self-employed, overseas income, credit issues
How to Judge a Good Broker
1. Check Qualifications
- Must hold an Australian Credit Licence (ACL) or be registered under one
- Verify on ASIC
- Bonus: MFAA or FBAA membership
2. Lender Panel Size
- A good broker should have 20+ lenders on their panel
- If they only work with a few banks, they may prioritise commission over your best interest
- Ask: Which lenders do you work with? Which do you recommend most and why?
3. Response Time
- Loan approvals have deadlines — a one-day delay can cost you
- A good broker should respond within 24 hours
- Weekend availability matters too
4. Track Record
- Ask about similar cases they've handled
- What's their approval success rate? Average turnaround time?
Loan Types Explained
| Type | Description | Best For |
|---|---|---|
| Fixed Rate | Locked rate for 1-5 years | Stable repayments |
| Variable Rate | Moves with the market | Planning to pay off early |
| Split Rate | Part fixed, part variable | Balanced risk |
| Interest Only | Pay interest only, no principal | Investors |
| Offset Account | Savings offset your loan interest | Cash reserves |
Common Questions
Q: Can I get a loan with overseas income?
A: Yes, but banks require more documentation and rates may be slightly higher.
Q: I just got my PR — can I borrow?
A: Yes. Most banks treat PR holders the same as citizens.
Q: How much can self-employed people borrow?
A: It depends on your taxable income (not revenue). Low Doc loans use accountant letters as evidence.
Compare 800+ Australian mortgage brokers on CutMyRate. Free service, free quotes.
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