Home Loans | DJ Mortgage

In Australia, whether you're a first-time homebuyer, buying an investment property, taking out a mortgage to build a home, or looking to lower interest rates through refinancing, DJ Mortgage can find the most suitable loan solution for you in the shortest time and with the most precise structure.


We have a deep understanding of Chinese home-buying habits and are familiar with the approval standards and interest rate strategies of different banks, so we can tailor the most favorable option to your loan goals.

Why choose Daji Credit for your home loan?

Fast approval: Professional assessment within 24–48 hours

Our home-buying process is streamlined, especially in popular markets like Sydney, Melbourne, and Brisbane. We can complete your assessment within 1-2 days and help you quickly obtain your borrowing power.

Scope of housing loan services

(01)

First Home Buyer Loans

Buying your first home is a significant step in life, but it's also the one most prone to confusion. We offer one-on-one, comprehensive support for first-time homebuyers:



  • Free assessment of available loan amount
  • Calculating stamp duty and government subsidies
  • Planning down payment and budget
  • Find the best bank for first-time homebuyers
  • Full assistance from loan application to final settlement


Common challenges for first-time homebuyers include:

  • I don't know how much I can borrow.
  • Unsure if the down payment is enough
  • I don't understand what LMI is.
  • Unsure whether to choose a fixed or floating interest rate


Daji Credit will ensure that you: don't get lost during the home buying process, make no mistakes in your loan application, and get the lowest possible interest rate.

(02)

Investment Property Loans

With the Australian property market experiencing long-term growth, many Chinese choose to accumulate assets through property investment.

We will design the most ideal loan structure for you based on your investment strategy:



  • Is Interest Only (interest-only payment) a suitable option?
  • How to improve borrowing capacity for investment properties
  • How to save interest using an Offset account
  • Which banks are more favorable towards investment properties?
  • How to use cash release (Equity Release) to buy your next home


Suitable:

✔ For those looking to start investing in real estate ✔ For those wanting to expand their property portfolio ✔ For clients looking to maximize their borrowing capacity

(03)

Refinance (Lower interest rates cash inflow)

Many customers haven't updated their interest rates for years, resulting in them paying more interest unnecessarily.

Refinancing can help you:


  • Get a lower interest rate
  • Reduce monthly repayments
  • Release home equity for investment or renovation
  • Consolidate other liabilities such as credit cards and auto loans (to reduce interest costs).
  • We offer free interest rate comparison reports so you can see at a glance whether it's worth switching banks.

(04)

Construction Loan (for building/renovating/reconstruction)

Suitable:

  • Knock Down Rebuild
  • self-built house
  • House & Land Packages


Construction loans are more complex than regular mortgages, but we will assist you:


  • Calculate Progressive Drawdown.
  • Connecting developers and banks
  • Avoid common problems of undervaluation
  • Inspect the structure of the construction contract
  • Ensure the construction process goes smoothly and without errors.

(05)

Self-Employed Loans

If you are:

✔ Small business owners ✔ Company directors ✔ ABN contractors ✔ Self-employed individuals with unstable cash flow


We can assist with its use:

  • Low Doc / Alt Doc Loans
  • Comprehensive Income Assessment for Companies and Individuals
  • Special banks suitable for self-employed individuals



We are familiar with the different requirements of each bank to ensure your income is presented correctly and to increase your approval success rate.

(06)

Non-Resident Loans

Target audience includes: Chinese clients, overseas workers, and non-Australian tax residents. Services include:



  • Overseas income assessment
  • FIRB guidance
  • Overseas data collection
  • Remote loan application
  • Communication via WeChat throughout the process


Home Loan FAQ

  • 1. What is LMI?

    Insurance is mandatory when the down payment is less than 20%, but it does not protect the buyer; it protects the bank.

  • 2. Fixed interest rate vs. floating interest rate?

    Fixed interest rate: Stable and unaffected by interest rate hikes.


    Floating interest rate: Flexible, interest can be reduced using offset.

  • 3. How can Offset Account help you save money?

    Offset account balance directly offsets your loan principal, saving you a significant amount of interest each year, making it the most common method used by Chinese people.

  • 4. Is a 20% down payment mandatory for a mortgage? What if I don't have enough?

    uncertain.


    Even if the down payment is less than 20%, you can still apply for a loan, but you will need to pay the LMI (Loan Management Income).


    We will calculate it for you:


  • What is the minimum down payment required?

  • Are there ways to reduce or avoid LMI?

  • Different banks' policies for customers with low down payments


  • 5. Can foreign income (such as Chinese wages) be used to apply for an Australian mortgage?

    Some banks accept overseas income, but their requirements are quite strict.

    We can help you choose the bank that best accepts overseas income and provide reasonable income verification methods to increase your success rate.

  • 6. My credit is not perfect, can I still apply for a mortgage?

    Can.


    Different banks have different requirements for credit scores, and some lenders are more flexible in their approach.


    We will first check your credit history and then suggest the most suitable solution.


  • 7. Does the unstable income of self-employed individuals affect their borrowing ability?

    Yes, but we have a solution.


    We are familiar with AltDoc, LowDoc, and income structure assessment methods for self-employed individuals, which can help improve borrowing capacity.


  • 8. What if I can't get a loan in time after signing the purchase contract?

    Many Chinese are "forced to abandon their contracts" because of delayed loan approvals.


    If you are within the Cooling-off or Subject to Finance period, we can quickly conduct a pre-assessment to help you reduce risk.