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
Investment property loans
refinancing
Loans for self-built/renovated/reconstruction
Commercial Loans
Business operating loans
Loans for overseas individuals
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.
Investment Property Loans
Suitable for those who want to build a property portfolio, utilize rental income, or earn income through self-employment or part-time work.
We will:
- Analysis of different banks' valuation standards for investment properties
- Choose a bank that offers a larger loan amount.
- Optimize loan structure and reduce interest expenses
- Would Offset/IO be a better fit for your investment strategy?
- Whether you're buying your first investment property, a second, or expanding your property portfolio, we can help you.
Refinance
Australian interest rates fluctuate frequently, and most people haven't updated their rates with their original banks for years, which means they've been paying a lot more interest than they should have.
Through refinancing, you can:
- Lower interest rates
- Reduce monthly repayments
- Receive cash back (equity release)
- Consolidate other liabilities
- We will help you calculate whether the conversion is worthwhile and provide a comprehensive comparison.
Interest rates too high? We'll help you lower them.
Construction Loan (for building/renovating/reconstruction)
Suitable:
- self-built house
- Demolition and Reconstruction
- Housing and Land Packages
Construction loans have a complex structure, but we are familiar with all banking procedures to ensure your approval process is smooth.
Commercial and Business Loans
Commercial real estate loans
- We can assist with the purchase of offices, shops, warehouses, and commercial properties.
- Banks have stricter scrutiny of commercial real estate, but we can help you:
- Structured finance
- Choose the most suitable lender
- Complete the assessment quickly
Full coverage of corporate financing
Business Cashflow Loan
- Equipment loan / Vehicle loan
- include:
- Tools, machinery, trucks, equipment
- Commercial vehicles
- The approval process is fast and the documents are simple.
- SMSF Loans (Self-Managed Superannuation Loans)
- When you purchase residential/commercial real estate through SMSF, we connect you with compliant banks to ensure proper structuring.
Suitable for small and medium-sized enterprises, company expansion, and cash flow needs.
Overseas Loans
We can assist with:
- Loan conditions for overseas individuals
- FIRB Application Guide
- Loan ratio and interest rate
- Income verification requirements
- Frequently Asked Questions from Chinese Customers
Ideal for:
✔ People in China who want to invest in Australian property ✔ People with overseas income
✔ Non-Australian tax residents
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

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).



