Tell us where you want to be.
We handle everything else.
You don't need to understand mortgages — that's our job. From first homes to business growth to fresh starts, we deliver the finance outcome you need.
How we helpWhatever your situation, we've been there before.
Select your situation below — we'll show you exactly how we deliver results.
You walk into your first home knowing you got the best deal possible.
Your first home is closer than you think
The lending maze can feel overwhelming — grants you may qualify for, deposit rules that keep changing, pre-approval deadlines, auction-day nerves. You have done the hard work of saving. We handle the hard work of navigating the system, negotiating with over 40 lenders, and managing every step from pre-approval through to settlement.
How we make it happen
The Local Knowledge differenceNot just a broker. A financial strategist in your corner.
CPA + Broker + Tax Agent
A rare triple qualification. We see your loan through a tax, wealth, and lending lens — not just a rate.
Best Interests Duty
We are legally bound to act in YOUR best interest. Not a bank's. Not ours. Yours.
40+ Lender Panel
We compare hundreds of products for every client — including specialist lenders you've never heard of.
Proactive Communication
You will never chase us. We update you at every milestone — in plain English, not lending jargon.
Deep Specialist Knowledge
Self-employed, single-income, SMSF, commercial — we don't just do standard deals.
Speed When It Counts
Pre-approvals in days, not weeks. When the right opportunity appears, you'll be ready.
How it worksThree conversations. One clear outcome.
Our process is designed to be effortless for you. The hard work happens on our side.
We Listen
A relaxed conversation about your goals, finances, and timeline. No pressure, no paperwork — just a genuine understanding of what matters to you.
We Build Your Plan
We design a tailored finance strategy — comparing dozens of lenders, structuring for your tax and wealth position, and presenting it in plain English.
We Deliver
We manage every piece of paperwork, chase every stakeholder, and keep you updated at every milestone. You focus on life — we handle the rest.
“James made the entire process feel effortless. We went from overwhelmed first-home buyers to confident homeowners in six weeks.”
Sarah & Tom
First Home Buyers, Sydney
“As a self-employed single mum, I thought I'd never get approved. James found a lender in 48 hours and fought for my rate.”
Michelle R.
Specialist Lending Client
“He restructured our investment loans and saved us $14,000 per year in interest alone. The CPA perspective is a genuine advantage.”
David & Lisa K.
Property Investors
Specialist Finance Divisions
Local Knowledge Finance operates as a unified practice across commercial, development, residential, refinancing and debt consolidation finance. Every division is led by James Chee — CPA, Registered Tax Agent and Registered Mortgage Broker — so your strategy is never siloed.
Commercial Finance
Business & Commercial Lending
Business purchase, commercial property, equipment finance, cashflow lending and SMSF loans — structured by a CPA and Tax Agent who understands your financials.
Development Finance
Construction & Development Lending
Specialist construction loans for duplexes, townhouses and medium-density projects up to $10M. Fast non-bank approvals with progressive drawdown management.
Tailored Home Loans
Prestige & Residential Lending
Sydney's Eastern Suburbs specialist for prestige home loans, first home buyers, refinancing and investment lending — with local market intelligence that matters.
Debt Consolidation
Consolidate & Save
Roll credit cards, personal loans, car finance and other debts into one home loan at a fraction of the rate — structured with a separate split and accelerated payoff plan.
Refinancing
Rate Reviews & Loan Restructuring
Switch to a sharper rate, unlock equity, consolidate debt or move off an expiring fixed rate — with the true cost modelled, not just the headline rate, by a CPA and Registered Mortgage Broker.
Ready to make it happen?
It starts with a conversation — free, no obligation, no pressure. Tell us where you want to be, and we'll show you how to get there.