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CPA & Tax AgentRegistered Tax AgentsEst. 2019

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

Finance options for subcontractors waiting 60 days to be paid

Trade business waiting on big invoices This clip covers cash flow lines against contract milestones.

Read the transcript

If you're a subcontractor waiting 60 days for a head contractor to clear your invoices, you are actively freezing your own borrowing power. Bleeding your liquid cash to float materials and payroll ruins your deposit structure for property loans. We utilise specialised commercial cash flow lines that allow you to draw funding directly against your uncompleted contract milestones. You get your cash in 24 hours, keeping your liquidity high and your home loan capacity protected. DM me, 'UNCLOG', to secure your invoice lines this week.

General information only, not personal advice. Your situation is assessed before any recommendation.

15+
Years Experience
2,500+
Clients Served
$300M+
Loans Settled
40+
Lender Panel
How We Help

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

CPA
Certified Practising Accountant
Tax Agent
Registered Tax Agent
Mortgage Broker
Credit Representative 517980
The Local Knowledge Difference

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.

No cost, no obligation · Response within 24 hours

One Practice · Five Specialisations

Our 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.

Business acquisitionsCommercial propertyEquipment & vehiclesSMSF lending
Explore Commercial Finance

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.

Duplex & townhouse buildsKnock-down rebuildsLand subdivisionMezzanine finance
Explore Development Finance

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.

Prestige home loansFirst home buyerRefinancingInvestment properties
Explore Tailored Home Loans

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.

Credit card debtPersonal loansCar & vehicle loansATO & tax debts
Explore Debt Consolidation

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).

Lower your rateCash-out & equityFixed → variableDebt consolidation
Explore Refinancing