Mortgage broker in Delahey, VIC
Liem Ngo compares 40+ lenders to find a loan that suits you, not simply what suits the bank. Buying your first home, refinancing or investing, you get clear answers in plain English.
Prefer to talk? Call 0415 455 009 or book a time.
You don't need everything figured out before you speak with Liem. That's what the first conversation is for.
Can I really buy with a 5% deposit?
Many eligible buyers can, using the Australian Government 5% Deposit Scheme, without paying Lenders Mortgage Insurance. Eligibility criteria and property price caps apply. Liem walks you through what's possible for you, including if you're casual, self-employed or getting family support.
Is my loan still competitive?
A loan that suited you when you took it out may not be the right one today. Liem reviews your rate, repayments and features, then compares alternatives, including the costs of switching such as discharge fees and any fixed rate break costs.
Using equity, buying a second or third property, or investing while self-employed. Lenders assess investors differently, and structure matters for your next purchase too.
Borrowing capacity, deposit and lender requirements for buying property through an SMSF. Lending help only, not financial, tax or legal advice.
Finance options for building your new home, explained clearly before you commit to anything.
Commercial property and business lending, shaped around what your business needs.
Banks sell their own loans. A broker helps you compare your options.
| Question | Going to one bank | Working with Liem |
|---|---|---|
| Loans you can compare | That bank's own products | Options across 40+ lenders |
| If one lender says no | You start again somewhere else | Lender policies differ, so there may be another path |
| Paperwork and follow-up | You work through that bank's process | Liem handles the application and lender communication |
| Broker fee | Not applicable | No broker fee for most clients. The lender pays a commission when your loan settles |
| After settlement | Up to you to check your rate is still competitive | Ongoing reviews to help keep your loan competitive |
A quick estimate using your figures. Liem can then check it against real lender options.
Estimated monthly repayment
$0
Principal and interest estimate, assuming the rate never changes. The example rate is not an offer. Fees are not included.
Check what I could borrowPossible difference per month
$0
Estimate only, before switching costs such as discharge, application and valuation fees or fixed rate break costs. The compared rate is an example, not an offer.
Ask Liem to review my loanHe listens to what you're trying to do and looks at your income, deposit and borrowing power.
Loans across 40+ lenders, with the differences in rates, repayments and features explained clearly.
If you decide to go ahead, Liem manages the paperwork and lender communication from application to settlement.
No pressure and no obligation. Just professional guidance to help you understand your options.
Liem NgoFounder & Mortgage Broker, LNG Mortgage Solutions
Before founding LNG Mortgage Solutions, Liem worked in financial services as a Financial Analyst, producing research, economic analysis and investment reports for investors and clients.
He now brings that same analytical approach to home loans. Liem looks beyond the headline rate, explains the bigger picture and makes sure you understand your options before you decide. He lives and works locally, and many clients come back to him as their circumstances change.
"Successful financial decisions are built on research, analysis, and understanding the bigger picture."
Liem is part of the Mortgage Australia network. Figures shown are Mortgage Australia network results, not Liem's individual results.
"He is a really good broker. He always meets my requirements. If I buy more house I surely contact him. Very good service. Thanks"
"I had the pleasure of consulting with Liem regarding the process of taking out a home loan mortgage, and I must say, his expertise and guidance were invaluable. He patiently walked me through each step, ensuring I understood everything clearly."
Refer them to Liem and receive a $1,000 gift card reward for settled home loans of $500,000 and above, or $500 for loans under $500,000.
Valid for home loans settled on or before 31 December 2026. The person you refer must be new to LNG Mortgage Solutions and agree to you sharing their details, and the referral must be made before their loan application. One reward per person referred, issued within 30 days of settlement. All loans are subject to lender approval. The program may change or be withdrawn at any time.
Got a different one? Ask Liem directly. It costs nothing and there's no obligation.
Ask a questionMost clients pay no broker fee. Liem is paid a commission by the lender after an eligible loan settles. Lenders may still charge their own costs, such as application or valuation fees, and these are worth checking when you compare options.
It depends on your income, living expenses, existing debts, deposit and each lender's policy, which is why the answer can change between lenders. Answer the questions at the top of this page and Liem can give you a clearer estimate for your situation.
No. Sending this form or having a first conversation with Liem doesn't involve a credit check. A credit check would only happen later, with your consent, if you choose to go ahead with an application.
The buyer provides the 5% deposit and the Australian Government guarantees up to 15% of the property value to the lender, so you avoid Lenders Mortgage Insurance. The government doesn't contribute cash or take ownership of the property. You still need to cover costs such as stamp duty (unless exempt), legal fees and inspections. Eligibility criteria and property price caps apply.
Yes. Lenders treat these situations differently, as they do family support and low deposits. Liem can help you work out which lender requirements apply to you.
Refinancing can take anywhere from 2 to 6 weeks, depending on your situation and the lender. It can involve discharge, application and valuation fees, and breaking a fixed rate loan early can bring break costs. Liem helps you weigh these against any savings before you decide.
No. Liem is based in Delahey, close to Taylors Hill, Hillside, Sydenham, Keilor Downs, Kings Park and Caroline Springs, and helps clients across Melbourne and Australia.
Whether you're ready to apply or just exploring, you can talk it through with Liem first.
0415 455 009