• Billy

    Lane Cove

    I find David & Erny to be integrous, professional and have a serving heart and attitude in helping me own my first home.

    They are always keen to answer any of my queries and reply in prompt manner. Also they communicate well throughout the phases including the settlement phase. This does not mean the job is done and be filed away, they kept the communication alive even after the settlement.

    I felt that they definitely want the best for my situation. Hence by following their advice I did not have to pay LMI for borrowing more than 80% of the purchase price.

    I don’t hesitate in partnering with David’s team again in the future, should I have another opportunity in purchasing another property.  Or if I should be in need of an advise pertaining to  my finances or investments.

  • Maisam


    Working with David & Erny on one project has now developed into a partnership that will last for years. We started the journey 5 months ago and even though I’m sitting hours away in Dubai, it has never felt that way.

    The service is prompt, efficient and based on an advisory model which is a win win. I’ve called Erny at 9PM once and the response was as good as it would be during working hours.

    David & Erny has the right attitude-capabilities that makes them go an extra mile for  a client. All in all, “Amazing service”. Thank you!

  • Hari


    Just want to say a big thank you to David and Erny for helping us secure our first ever home loan. You’ve really taken care of us and made sure that the whole process goes smoothly and stress-free for us.

    All our questions were answered promptly and to our satisfaction. We also appreciated your follow up with us a month into living in our new place! Would not hesitate to refer my friends to you. Thanks again!

  • Grivin


    My close friend referred me to David Chia. He has done a marvellous job with his experience and skills, he was able to find a way to get me to the right bank and the easiest way to gain home loan as well. I was feeling relieve and grateful that I could move and purchased a bigger and better property.

    I believe without the work of David and his team I will not able to owning the dream house. I am gratefully appreciated the work of David & Erny. I will not hesitate to recommend them to my colleague and families.

  • Martin

    My family and I really appreciate all of  your  support.  David has always been available to  answer questions  and has been incredibly helpful  throughout the whole  process. We are really happy with the outcome and will definitely refer family and friends  to  your organisation  when  purchasing  their  new home.

  • Ken

    David and his team were very helpful, patient and professional through the whole process of obtaining a home loan from my initial enquiry, right through the process of application, to final settlement and beyond.  All steps were explained in detail and any questions were answered promptly and efficiently. David was able to find me the right loan to suit my circumstances, and I have  no  hesitation in recommending him to friends and family.

  • Pennie & Michael


    David and his team were friendly, professional, knowledgeable and not pushy. We had great experience from start to end with our loan process. They were always prompt in responding to our emails and available when we needed to speak to someone. We were very happy with our experience and enjoyed knowing we were in safe hands. We will absolutely recommend David & His team to our family and friends.

  • Ben & Claire


    David was recommended to us as we were in need of advice regarding our mortgage, life insurance and superannuation, and from our first meeting and since, David has been very friendly, professional, clear in his recommendations and patient.  His ability to listen to our plethora of questions and requests and then provide clear advice and a way forward has been invaluable to us.

    With particular regard to our change of mortgage, David was able to offer a very high level of knowledge of the different mortgage products available to us and make our mortgage application process as easy and straightforward as it could be. We had initially approached our bank regarding mortgage options but felt that we were always chasing them and the service was lacking. We have found our dealings with David to be the direct opposite, he is quick to respond to emails and phone calls and has been happy to meet with us outside of regular business hours whenever we have needed to. David has gone out of his way to help us and we would and have recommended David’s services to our friends and family.

  • Sucipto


    I  highly regarded David’s performance -from his initial approach until after settlement, he never fails me. His down to earth approach and his knowledge are outstanding.

    All of  my  questions  about  mortgage  and  financial  questions  have  always  been  answered  with enthusiasm, confident, humble  and with  sound knowledge. His response to my emails and calls are always prompt without invading my time or privacy.

    The thing that I really like dealing with  David (not  direct  to  Bank) is that  he is able to  provide  an alternative  solution  and be able to  negotiate  for my benefit.  David always inform me about current interest rate and best deal available which are all for my benefit.

    I have been recommending David to my friends, family and including my in-laws.

  • Mark & Katherine


    As a first-time property buyer, my wife and I initially approached David for seeking general information about how the process of purchasing a home works, what costs were involved and developed a budget to guide us on how much we could realistically borrow to purchase a home. David welcomed us into his office and took  us step by step through  the  process and despite the many questions we asked we couldn’t stump him -he  answered all our questions in language we could understand. David has a great knowledge of the products available and used a variety of tools to show us the outcomes of different scenarios and products in an easy to read format so that we were confident the decisions we made we the best available to us. After our first meeting it took us a while to get all our paperwork together and get an idea of what we wanted. During this time David waited patiently and did not hassle us and we respected this approach.

    David has helped me increase my knowledge in the field so that not only have we gone through the process, but we have learned from it and this takes a lot of the uncertainty out of what is one of the biggest and most stressful stages of our lives.

    We believe that we have got the best loan available to us and that suits or needs, and also bought a property with the confidence that we got it for a fair price. David has taken a lot of stress out of the situation and done the hard work in getting our loan approved. We have developed a good rapport with him and his support has made the process enjoyable.

    David’s turnaround time and response was exceptional. Due to my wife and I both are working full time we found it difficult to get to the his office during normal business hours. As such David was happy to meet with us after work on weeknights to discuss any issues. If David could not take our phone calls he would always respond that same day, likewise with emails. Of particular help to us was when we found a property  that  we wanted to bid on at auction. David was able to get us preapproval in a tight time frame to ensure we could purchase the property if successful, for which we are very grateful.

    My wife and I have been extremely happy with the entire experience with David and his team. The entire process has run smoothly and more than met expectations. We have been recommended David to numerous people.

  • Caroline


    In the middle of last year, I was referred to David Chia by a work colleague when I mentioned I was in need of refinancing both my own home loan and the loan on an investment property- both in Sydney. My mortgage broker of some 13 years was overseas indefinitely on a family crisis. My colleague and her husband had recently purchased a house interstate and David had helped them in all details of that purchase.

    So, I contacted David and he was obliging enough to visit me at my place of work for our initial meeting. I was impressed with his knowledge and professionalism, plus his attention to detail.    David had gone to some lengths to find the best rate of interest for me and I happily signed the necessary paperwork, relieved to be paying somewhat less than I had with my previous loan.

    Each time during these protracted dealings with my loans, if I contacted David on his mobile, in the office or by email, I was very happy with his quick response on each occasion. David is very professional and has a calm and engaging manner in all his dealings with me.

    I have mentioned David’s services in my personal situation to friends and would have no hesitation in recommending him in the future.