Business Details
Trusted Mortgage Brokering Services in Sydney
Precedence Finance Solution has been assisting Australian homeowners and investors since the late 2000s, specialising in mortgage brokering services. As members of the Mortgage & Finance Association of Australia, we leverage advanced comparison software to analyse over 100 loan products from 30+ lenders, delivering tailored solutions for first-home buyers, property investors, and refinancers. Our contingency-based model ensures no fees for clients, with commissions paid by lenders upon loan settlement. We negotiate directly with financial institutions to secure competitive rates, including specialised options for self-employed individuals, credit-impaired applicants, and foreign income earners.Our team prioritises flexibility, offering consultations via phone, email, or in-person meetings across client-preferred locations. With expertise in LoDoc, No Doc, and commercial loan structures, we streamline the mortgage process while maintaining transparency about costs, LMI requirements, and long-term financial implications.
Services
Mortgage Brokerage
Home Loan Comparisons
Investment Property Loans
Refinancing Solutions
First Home Buyer Assistance
Commercial Loans
Credit Impairment Solutions
Self-Managed Super Fund Loans
Construction Financing
LoDoc No Doc Loans
Highlights and features
- We offer a personalised service tailored to your specific financial situation
- Our team negotiates directly with lenders on your behalf to secure better rates
- We compare over 30 lenders to find the most suitable loan product for you
- Specialising in high borrowing capacity solutions up to 97% including LMI
- No fees or charges for our mortgage brokering services at any stage
Associations and certifications
- Mortgage & Finance Association of Australia
What people say
Seamless process
Best loan structure
Fast track approval
Knowledgeable and responsible broker
Saved thousands
Services
Mortgage Brokerage
Our mortgage brokerage connects clients with tailored home loan solutions from 30+ lenders. We specialise in comparing over 100 loan products using real-time software, ensuring competitive rates for owner-occupiers, investors, and refinancers. Our contingency-based model means no fees for clients, with expert negotiation securing optimal terms including LMI considerations and repayment flexibility.
First Home Buyer Assistance
We guide first-time purchasers through the entire home buying process. Services include deposit requirement analysis, FHOG eligibility assessments, stamp duty calculations, and loan structure optimisation. Our team simplifies complex documentation while maximising government grants and tax benefits, ensuring clients understand all financial obligations from contract signing through to settlement.
Investment Property Financing
Specialised financing solutions for residential and commercial property investors. We offer tailored advice on positive/negative gearing strategies, SMSF borrowing options, and foreign investor loan structures. Our expertise includes navigating tax-deductible expenses, equity access, and portfolio diversification while maintaining compliance with Australian lending regulations for domestic and international clients.
Refinancing Solutions
Our refinancing experts analyse existing loan terms to identify savings opportunities. We assess break costs, establishment fees, and rebate eligibility while negotiating better rates and features. The process includes comprehensive comparisons of interest rates, repayment flexibility, and package inclusions to ensure improved financial outcomes for clients seeking lower payments or enhanced loan features.
Construction Loans
Tailored financing for land purchases and new construction projects. We coordinate staged payments aligned with building milestones, ensuring smooth progress from approval through settlement. Our service includes budget analysis, lender selection for construction timelines, and guidance through documentation requirements specific to self-building projects, minimising financial stress during the construction phase.
People
Kevin Jin
Principal Credit Licencee
With over 15 years in finance since 2008, Kevin holds dual bachelor degrees in Commerce and Engineering, plus MFAA-approved credit advisory accreditation. He specialises in complex loan structures and urgent financing solutions for challenging cases.
Simon Lin
Credit Adviser
Simon combines engineering and financial expertise with specialisation in investment property financing and government bond markets. His technical background enables detailed analysis of loan products and investment strategies for property portfolios.
Questions
What's the difference between fixed and variable rate home loans?
Fixed rates remain constant for set periods (e.g., 3 years) with limited features, while variable rates fluctuate with market conditions offering greater flexibility through redraw/offset features and no break costs.
How does Lender's Mortgage Insurance work?
LMI allows borrowing above 80% LVR by protecting lenders against default risk. It's added to your loan amount when borrowing between 80-97% of property value, enabling lower deposit requirements for eligible applicants.
Can I refinance without exit fees?
Loans contracted after 1 July 2011 have no exit fees. However, fixed-rate loans may incur break costs if exited early, while variable rate loans typically only require standard discharge fees around $350.
What loan options exist for self-employed applicants?
We offer LoDoc options requiring only 3 months' bank statements instead of full financials, along with No Doc solutions for eligible business owners seeking streamlined verification processes without BAS statements.
How does a family guarantee loan work?
Family members can use their property equity as additional security, reducing LVR to avoid LMI. This allows borrowers to access up to 105% of property value while providing release mechanisms once standard LVR requirements are met.
What investment loan features should I consider?
Key features include interest-in-advance options, line-of-credit structures with sub-accounts, and tax-effective arrangements like 100% offset facilities that reduce taxable income while maintaining liquidity.
