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
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?
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.
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.
Investment
Portfolios, properly structured.
Investment lending arranged with cross-collateralisation, ownership structure, and tax outcome considered before the application — not after settlement.
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.
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.
Annual review
The check your bank won't give you.
A written annual review against the current market — no fee, no upsell.
Client experience
"Working with William was one of the best decisions we made during our home-buying journey. He was professional, responsible, and incredibly patient in answering our countless questions. He took time to understand our long-term financial goals and secured a fantastic rate for us — guiding us through a complex loan structure with confidence and ease."
"What sets William apart is his strong understanding of investment lending and long-term portfolio building. He doesn't just focus on getting a loan approved — he takes the time to understand your broader goals, borrowing capacity, cash flow position and future strategy to help structure finance in a way that supports continued growth."
"We worked with William for the purchase of our investment property through our SMSF — the experience was outstanding from start to finish. SMSF lending can be quite complex, but he made everything easy to understand and guided us every step of the way. His attention to detail and ability to find the right lending solution made the whole process smooth and stress-free."
The practice
One principal. Written advice before every application.
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%.
Every loan we arrange includes an annual written review for as long as the loan exists — see the covenant below.
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).
The annual review covenant
Settlement is the start of the relationship, not the end.
Every client receives a written annual loan review for as long as the loan exists — no fee, no upsell. We tell you whether to stay, restructure, or refinance. It is always honest, always in writing.
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.