Phil is the second broker I have engaged over the years and after the first experiences I wasn't convinced of the need or benefits of brokers at all - but Phil changed all that. Phil was super proactive, always ready and willing to answer any/all my questions, and went the extra mile to give additional information to me to help make the decisions easier. The added advantage of being a chartered accountant cannot be understated - the advice Phil was able to give covered all of our financial concerns, on top of - finding me awesome rates for our loans and being a friendly bloke! Highly recommended.

I strongly recommend Phil Lau. He has been extremely helpful and supportive. His experience and understanding of lending, working closely with financial institutions really helped in getting the best loan for us. The process was smooth and Phil gave insightful and guidance throughout the whole process.

Phil shows passion in his work and he is always standing by offering help when we are in need. We feel lucky having Phil walking with us in the loan application process. Although we are overseas borrower in this difficult COVID-19 pandemic, the whole process becomes smooth and easy with the brilliant guidance of Phil. We have also learnt a great lesson that rate is only one factor but choosing an A-team broker really matters if you want your application process smooth without hassles. Phil is professional to give advice and never pushy to get the business. He is always fast to respond, with the heart to think from our shoes, and offer to do something extra and beyond his duty even without us asking. We never need to chase him for progress and we feel totally comfortable to put our application fully in his hands. Phil is someone we could put our trust with and we are 120% satisfied with his work. We look forward working with him again and we will surely recommend him to our friends without doubt!

Phil is definitely your man when looking for a home loan, He is a true professional, knows the market and watches your purchase and loan the whole way through - he seemed to be across things before my Solicitor. I have recommended him to others already! Highly recommend and would without hesitation use again. Thanks Phil!