Adelaide Mortgage Broker - Cindy Zhang

17/02/2026

I had a random chat with AI today 🤖

Me: “Be honest… are mortgage brokers going to be replaced by AI?”

AI: “No.”

Apparently it can calculate borrowing capacity in seconds…
but it can’t calm first home buyers at 10pm,
explain complex self-employed income,
or push back when a deal needs real negotiation.

AI is a great assistant.
But broking is still human.

Looks like we’re safe 😉

03/02/2026

The RBA lifted rates to 3.85% in February. If you’re at a variable rate, your repayments may change.

A rate rise doesn’t mean you’re out of options. Reviewing your home loan now could help you stay in control.

See how the RBA's decision affects you: https://www.aussie.com.au/insights/news/rba-rates-decision/

The RBA has increased the cash rate to 3.85% at its February 2026 meeting. Here’s what the decision could mean for borrowers.

29/04/2025

Have a relaxing and beautiful place where your family and friends can gather to have a good time. Build your dream garden now. Talk to me today to discuss your options.

12/03/2025

We can help you navigate the process of purchasing residential property from start to finish, ensuring you’re well-prepared to find and secure your dream home. Talk to me today to discuss your options.

13/07/2024

Always ready to find a solution for every dream 🏠
Contact us today for a free consulation to help you find a home loan solution for your dream 👩‍💻
📨 [email protected]

04/06/2024

If your fixed term rate is coming to an end, you'll probably roll to a higher variable interest rate. Speak to our team before your fixed rate term expires so we can discuss your options and find the right solution for you. Call 0433 971664 or email me on [email protected]

19/05/2023

TR签证在澳洲可以贷款买房吗？最近租房难，让很多小伙伴都在考虑买房的可行性。

每个人的签证、工作、经济状况不同，所以没办法统一的回答可以或是不可以。不过可以肯定的是，TR签证是有可能在澳洲的金融机构贷款买房。

只是在贷款买房前，需要知道TR签证持有人在澳洲只能买一套用于自住的二手房，并且有额外的FIRB申请费（1m以内的房价，申请费目前是$13200)和7%的stamp duty surcharge - 这会增加购房首付资金的需求哦。

15/07/2022

🗒每周新闻回顾
1⃣RBA将在8月和9月连续加息
2⃣澳洲失业率骤降至3.5%
3⃣未来四年澳洲需要增加120万名工人
4⃣租金上涨再创纪录
5⃣新房源数量在6月有所回升
6⃣澳洲人通过房产积累财富

14/07/2022

疫情回国期间竟收到天价Land Tax账单！澳洲自住房到底要不要交土地税？


#澳洲生活 #澳洲买房 #澳洲贷款 #南澳 #阿德莱德生活 #阿德莱德

免责声明：文中所涉及的政策等内容如有变化，请以政府官方最新消息为准。文中内容仅供参考，不构成任何具体建议，对于依据或使用本文所造成的一切后果，我们不承担任何法律责任。如果您在阅读中产生任何疑问，或在房...

14/07/2022

Home Loan interest rates keep increasing recently and some banks are increasing buffer rates when accessing loan cases...how these would affect your home loan application?

How to eligible to get First Home Buyers Grant? If not eligible, are there any other benefits clients can get as a first home buyer when applying for a home loan?

Let me help you to answer your concerns and help you to buy a dream home in the near future.

Contact me today✍️[email protected] to book a free session.