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
Why active ATO debt can hurt your business finance options
If tax arrears are holding you back, see how that shapes business lending choices.
Read the transcript
An active ATO debt is a massive red flag that triggers an instant computer rejection at every major bank. The Tax Office is the most expensive lender you can have. If you have equity in your property, we can restructure that debt. We use specialist capital channels to clear the ATO entirely, moving that high-stress liability into a single clean facility. Give your business room to breathe. DM me 'CLEAR' to start.
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 CPA-certified broker 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-certified
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
Get personalised advice
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.
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 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.
12 years of recognised innovation.From fintech pioneers to AI leaders.
A trajectory of compound innovation — building from foundational accounting technology to multi-industry AI leadership across cybersecurity, property, healthcare, and governance.
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- SelectedInnovation SelectionSMART 100 IndexiBOP
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- FinalistBoutique Firm of the YearAustralian Accounting Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- SelectedInnovation SelectionSMART 100 IndexBCyber
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- FinalistAccounting Innovator of the YearFintech Business AwardsLocal Knowledge
- FinalistFintech Start-Up BusinessFintech Business AwardsBCyber
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- FinalistProperty Specialist Accountant of the YearAustralian Accounting Awards
- FinalistNew Brokerage of the YearAustralian Mortgage AwardsDing Financial
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- FinalistBest Use of AI in FintechThe 6th Annual Fintech Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- FinalistProperty Specialist Accountant of the YearAustralian Accounting Awards
- FinalistCommercial Broker of the YearOutsource Financial ORB AwardsJames Chee, Ding Financial
- FinalistMultiservice Firm of the YearAustralian Accounting Awards
- FinalistBusiness Advisory Firm of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- RankedGovernance ExcellenceGovernance Top 100
- FinalistAI Innovator — Cyber SecurityAustralian AI Awards
- FinalistAI Innovator — Property InvestmentAustralian AI Awards
- FinalistBusiness Advisory Firm of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- RankedGovernance ExcellenceGovernance Top 100
- FinalistAI Innovator — Cyber SecurityAustralian AI Awards
- FinalistAI Innovator — Property InvestmentAustralian AI Awards
- FinalistAI Innovator — HealthcareAustralian AI Awards
- FinalistAI Innovator — Real EstateAustralian AI Awards
- FinalistMultiservice Firm of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- RankedGovernance ExcellenceGovernance Top 100
- FinalistInnovation in HealthcareAustralian AI Awards
- FinalistInnovation in Property InvestmentAustralian AI Awards
- FinalistInnovation in CybersecurityAustralian AI Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMultiservice Firm of the YearAustralian Accounting Awards
- FinalistGRC Provider of the YearAustralian Cyber Security AwardsBCyber
- FinalistCyber Professional of the Year — Professional ServicesAustralian Cyber Security Awards
Compound innovation is the story. Not one lucky year — recognised across nine award programs, five industries, and twelve consecutive years of building what matters. In 2026, named finalist in three cross-sector categories at the Australian AI Awards.