Your tax. Your loan.
One expert.
We combine CPA accounting expertise with deep local market knowledge to find you the right loan. Not just a rate — the right structure for your financial future.
Watch the short answer
Can I get a home or business loan with a 12‑month-old business?
Business only 12 months old? This video outlines how lenders may approach your business or commercial loan.
Read the transcript
Started a wildly successful business 12 months ago? The bank still thinks you're a startup risk. The standard institutional rule is that you need 2 full years of ABN history to get a mortgage, but if your cash flow is booming right now, you shouldn't have to wait another 12 months to buy a house. At Local Knowledge Finance, we have access to specialist alt doc lenders who will approve your loan with just 6 to 12 months of ABN registration and clean bank statements. Your success shouldn't be penalised by arbitrary timelines. DM me the word 'BUSINESS' to bypass the 2-year rule.
General information only, not personal advice. Your situation is assessed before any recommendation.
Mortgage solutions for every situation
From first homes to development finance — our CPA + broker combination means we see angles other brokers miss.
First Home Buyers
Navigate grants, stamp duty concessions, and lender negotiations with a broker who is a CPA and Registered Tax Agent on your side.
Refinancing
We compare your loan against hundreds of products to find genuine savings — no obligation, free analysis.
Investment Loans
Portfolio structuring, tax-effective strategies, and interest-only options across our extensive lender panel.
Commercial & Business
Business purchase, equipment finance, cash flow lending, and SMSF loans for growing enterprises.
Development Finance
Construction loans for duplexes, townhouses, and medium-density projects up to $10M in Sydney.
Self-Employed
Specialists in low-doc, alt-doc, and full-doc solutions for sole traders, contractors and company directors.
Qualifications that set us apart
Speak to a CPA and Tax Agent
broker today
Free, no-obligation consultation. We benchmark your loan and outline a clear next step — typically within 24 hours.
- No cost for most residential home loans
- Bound by Best Interests Duty
- CPA + Tax Agent + Mortgage Broker in one team
- Access 40+ lenders and hundreds of products
- Deep Eastern Suburbs market knowledge
Find your best-fit lending options
Tell us about your situation and we will get back to you.
Explore our free tools & resources
Available on localknowledge.finance — our main knowledge hub.
5 Free Calculators
Repayment, borrowing power, stamp duty, refinance savings, and equity calculators.
ExploreExpert Insights
In-depth guides and market analysis from a broker who is a CPA and Registered Tax Agent.
ExploreSuburb Guides
22 suburb-specific lending guides across Sydney's Eastern Suburbs.
ExploreOur 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 mortgage broker (Corporate Authorised Credit Representative 517980 of Global Mutual Funds Pty Ltd, ACL 222640) — 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 mortgage broker (Corporate Authorised Credit Representative 517980 of Global Mutual Funds Pty Ltd, ACL 222640).