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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
One Key Question to Prep Your Business Week
For small business clients, this video asks one question to guide how you arrange working capital.
Read the transcript
As you prep your business for the week ahead, ask yourself one question: are you reacting to cash flow gaps, or are you engineering your capital? Most business owners wait until a commercial invoice is 60 days late before they scramble to a bank for an overdraft. By then, you are borrowing from a position of weakness. The elite operators use specialised lo-doc facilities to secure pre-approved cash flow lines before they ever need them. Go into Monday with unconstrained runway. DM me 'MONDAY' to structure your capital defence for the month ahead.
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.
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Portfolio structuring, tax-effective strategies, and interest-only options across our extensive lender panel.
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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.
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Specialists in low-doc, alt-doc, and full-doc solutions for sole traders, contractors and company directors.
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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 at Local Knowledge Finance — 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 at Local Knowledge Finance.