DJ Mortgage — Australia's premier loan expert for Chinese Australians

Australian Home Purchase Mortgages | Sydney, Melbourne, Brisbane | Loans Available for Chinese Clients | Fast Approval, Low Interest Rates, One-on-One Service

Whether you are a first-time homebuyer, an investor, seeking refinancing, or a business needing a commercial loan, DJ Mortgage is committed to finding the most suitable and accurate loan solution for you in the shortest possible time.


We have been deeply involved in the Australian financial market for many years, providing comprehensive loan services for Chinese Australians, overseas Chinese, Chinese investors, self-employed individuals, and business owners.

Applying for a home loan in Australia is complex, with complicated banking standards and daily interest rates. Many clients don't know how to compare banks, how much they can borrow, or have been rejected by previous banks.

DJ Mortgage's advantage lies in using the shortest time and the most professional methods to help you:

✔ Faster loan approval

Pre-assessment can be completed in as little as 24–48 hours, saving you valuable time in the home buying process.


Get a more favorable interest rate

We connect directly with multiple Australian banks and second-tier lenders to compare interest rates, rebates, and fees for you, ensuring you get the most advantageous solution.


✔ Full-service Chinese consultants

Communication is seamless, explanations are clear, and processes are transparent. You only need to tell us your goals, and we'll handle the rest.


✔ Nationwide service – Sydney, Melbourne, Brisbane

Whether you are in NSW, VIC, QLD or other states, we can provide remote assistance.


✔ Free consultation & free loan assessment

With just a phone call or WeChat message, we can immediately help you assess how much you can borrow, what the interest rate is, and how to structure your loan to save money.

Why Choose DJ Mortgage — The Best Partner for Chinese Australians' Loans

Home Loans


First Home Buyer Loan


Buying a home for the first time is not easy. You may not know the process, stamp duty, LMI, or government subsidies.

We offer truly one-on-one, nanny-style service:


  • Let me calculate how much you can borrow.
  • Explain the government grant (FHOG/Stamp Duty Concession)
  • Learn how to improve your loan approval rate
  • We accompany you through the entire home buying process. For first-time homebuyers, our goal is to ensure you can buy a home with peace of mind and avoid unnecessary detours.

We've prepared all the plans for buying property in Australia for you.

Customer reviews

Tim helped us get an investment property loan within 3 days, at a much lower interest rate than the original bank!

Charlie L, Parramatta

I'm a first-time homebuyer, and he taught me the whole process from start to finish; he was very professional.

David C, Sydney

I've never been to Australia from China, yet I was able to successfully get a mortgage to buy a house, all thanks to DJ Mortgage.

Jane F, Epping NSW

Australian mortgage news and market trends

12 December 2025
Blacktown 最新拍卖成交解析:25 Charles St 以 $1,300,000 成交,10+ 组买家竞拍。澳洲央行利率环境趋稳,加上 5% 首付免 LMI 政策,首次置业者与入门投资者迎来关键入市窗口。由大吉信贷 DJ Mortgage 深度解读。
12 December 2025
澳洲利率又变了?(2025年12月最新)房贷到底该怎么做更划算 很多朋友问我: “Tim,澳洲利率是不是又变了?我现在应该买房吗?要不要转固定?要不要 refinance?” 先把最关键的结论讲清楚,然后我们再谈策略。
By Market America WebCenters 12 December 2025
🏡 Chatswood West 优质贷款案例分享 📈 不到一年,银行估值提升近 $200 万澳元! 位于 235 Fullers Rd, Chatswood West(NSW) 的优质住宅项目,是一个非常典型、也极具参考价值的 澳洲房贷与再融资成功案例 。 📌 项目概况 购入价格: $2,518,000 项目类型: 自住房 / 投资型住宅 操作方式: 前期结构规划 设计审批与全屋翻新 精准匹配银行估值体系 💡 关键成果 通过 大吉信贷 DJ Mortgage 对多家银行估值逻辑的深入研究与前期规划,该物业在合适银行的最新估值中, 成功提升至约 $4,500,000 。 👉 不到一年时间,资产增值接近 $2,000,000 。 💰 再融资成果(Refinance Outcome) 在估值提升后,客户成功完成 再转贷(Refinance) ,实现: ✅ 套现近百万澳元 ✅ 优化贷款结构与现金流 ✅ 为下一轮房产投资提前布局 ✅ 实现资产与资金的良性循环 这正是我们常说的: 不是只看利率,而是整体融资与资产规划。 ⭐ 为什么这个案例值得参考? 很多客户会问: 为什么同一套房,不同银行估值差距这么大? 翻新后,如何才能被银行“真正认可价值”? 再融资什么时候做,才能最大化释放房屋净值(Equity)? 这个案例的关键在于: ✔ 前期就按银行估值逻辑规划 ✔ 不是翻新完才找贷款,而是贷款与翻新同步设计 ✔ 选对银行,比多做工程更重要 📞 如果你也在考虑以下情况: 想 套现(Equity Release) 想 再融资降低利率或释放资金 已翻新但估值不理想 准备下一轮 投资房或资产升级 欢迎联系 大吉信贷 DJ Mortgage : ✅ 多家银行与非银行机构合作 ✅ 定制化融资与估值策略 ✅ 自 2019 年专注澳洲房贷与投资融资 ✅ 全程中文沟通,规划清晰 📱 电话 / WhatsApp:0403 503 076 📲 微信:cheng021405 贷款找大吉,规划到位,资产才能真正放大。

Frequently Asked Questions

Frequently Asked Questions

  • This is my first time buying a house in Australia, and I don't know where to start. Can you help me?

    Yes. DJ Mortgage provides one-on-one concierge services for first-time homebuyers, including budget planning, loan assessment, down payment advice, explanation of government subsidies, and loan process details.


    Even if you have absolutely no experience, we will accompany you through the entire home buying process from start to finish.

  • Can I still get a mortgage to buy a house in Australia if I am not an Australian citizen or permanent resident?

    Yes, overseas individuals (such as those from China, Hong Kong, Singapore, Malaysia, etc.) have the opportunity to apply for Australian loans.


    Loan ratios and interest rates may vary, and we will provide the most suitable loan plan based on your identity and income.

  • With so many banks, how do I choose the most suitable lending institution?

    Different banks have different assessment methods, interest rates, and fees.


    We will compare multiple banks based on your income structure, down payment ratio, credit status, and type of property purchase to select the most suitable option for you.

  • How much can I borrow? What documents do I need to prepare?

    The loan amount depends on:

     

    • Income (employee/self-employed/overseas income)
    • Credit history
    • Current debt situation
    • Household expenditure structure

    During your first consultation, we will provide you with the following information immediately:

    ✔ Calculate your available loan amount

    ✔ Estimate repayment amount

    ✔ List the required documents

  • Interest rates are constantly changing, so how do I know if it's a good time to refinance?

    If you have a mortgage that is more than 1–2 years old, the interest rate is likely no longer competitive.


    We offer a free interest rate comparison service:

    Is it worth switching banks?

    • How much money can I save?
    • Are there any exit fees or charges?

    This will make it clear to you whether refinancing is beneficial.

  • Can I still apply for a loan if my income is unstable (e.g., self-employed or business owner)?

    Can.


    We are very familiar with loans for the self-employed, including:

    • Alt Doc / Low Doc
    • Company Revenue Structure
    • ABN Revenue Assessment Method

    We will recommend the bank that best accepts your income based on your business situation.

  • Which regions does Daji Credit serve?

    We serve the whole of Australia, including:

    • Sydney
    • Melbourne
    • Brisbane
    • Adelaide
    • Perth
    • Tasmania

    We also serve overseas customers (most commonly Chinese customers).

DJ Mortgage. Finance Smarter. Invest Better.

Contact DJ Mortgage—Free Assessment, Start Now

Tim Chen, General Manager


📱Company Phone Number: 0297140465

📱Mobile/WhatsApp: 61403503076

📲 WeChat: cheng021405

📧 Email: myloans888@gmail.com