MMXVII · Sydney mortgage practice
The mortgage practice that reads the fine print.
A Sydney mortgage practice for owner-occupiers, investors, and self-employed Australians who want a structured loan — not a sales pitch.
William Sun · FBAA · Credit Rep 490418 · Authorised under BLSSA ACL 391237
01 · The work
Six conversations that cover most of what we do.
Each one starts with the same question: what would a properly structured loan look like for you, and which lender is most likely to write it on those terms?
01 · First-home
Pre-approval, without the panic.
Structured pre-approval for owner-occupiers buying their first place — prepared with the lender most likely to settle on time, not the one with the loudest ad.
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02 · Refinance
When loyalty stops being loyal.
Most banks reserve their sharper rates for new customers. We audit your current loan against 25+ lenders and tell you — in writing — whether moving wins you money.
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03 · Investment
Portfolios, properly structured.
Investment lending arranged with cross-collateralisation, ownership structure, and tax outcome considered before the application — not after settlement.
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04 · Self-employed
Income that doesn't fit a payslip.
Two-year financials, add-backs, BAS-only assessments, and lender-by-lender treatment of self-employed income — explained in plain language before you apply.
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05 · Commercial
Business finance, quietly arranged.
Commercial property, working capital, equipment finance — sourced through a small panel of relationship-led lenders and arranged without disrupting operations.
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06 · Annual review
The check your bank won't give you.
For existing clients: a written annual review of every active loan against the current market. No fee, no upsell. Sometimes the verdict is "stay where you are."
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02 · The practice
One principal. Written advice before applications. Annual reviews for as long as the loan exists.
Brilliant Finance Solutions is run by William Sun. Every loan we arrange is paired with a written Strategy Memo — what it costs, what it caps, and what it does to your finances if rates shift another 1.5%.
Settlement is the start of the relationship, not the end. Existing clients receive an annual loan review, written, no upsell, no fee. Sometimes the verdict is "stay where you are." Sometimes it's "let's restructure." It's always honest.
03 · The panel
Twenty-eight accredited lenders, sourced one client at a time.
23
Residential lenders
Major banks, second-tier banks, mutuals, and specialist non-bank residential lenders.
4
Commercial lenders
Commercial property, equipment finance, and SME working-capital lenders.
1
Deposit-bond provider
For settlements where the deposit is locked elsewhere — used sparingly, never as a default.
Lender names are withheld from public marketing per LMG Website Compliance Checklist Row 2 (per-lender written permission required).
07 · The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.