Ian Chan

About Ian Chan

Ian Chan is a Mortgage Broker and Principal Advisor at Unity Mortgages, specialising in helping clients in Leppington, Austral, Denham Court, and across Greater Sydney achieve their property and financial goals. With over 10 years of experience in the financial industry, including roles as a lender at St. George Bank, Commonwealth Bank, Citibank, and ANZ, Ian brings deep knowledge of how banks assess applications, structure deals, and respond to complex borrower situations.

Whether you're a first home buyer navigating the market for the very first time, a homeowner looking to refinance into a sharper rate, or a property investor ready to grow your portfolio, Ian works with a network of 50+ banks and lenders to find tailored loan solutions that fit your specific circumstances.

For first home buyers, Ian understands how overwhelming the process can feel. He guides clients through everything from understanding their borrowing capacity and applying for the First Home Owner Grant, to comparing loan products and getting pre-approval so they can make confident offers on the right home.

For homeowners looking to refinance, Ian regularly helps clients who suspect they're paying too much on their current loan. He compares options across dozens of lenders, assesses cashback offers, and factors in fees to ensure a refinance actually puts clients in a better position rather than just a lower headline rate.

For property investors, Ian takes a strategic approach. He works with clients on structuring Investment Loans that support long-term portfolio growth, considering factors like interest-only periods, offset accounts, and equity release from existing properties to fund the next purchase.

Ian also specialises in Construction and Renovation Loans for clients building a new home or undertaking significant works, coordinating progress payments with builders and helping clients understand how drawdown structures work in practice. For those buying a new property before selling their existing one, Ian arranges Bridging Finance to help clients move seamlessly without the pressure of having to sell first. He also assists business owners with Commercial Loans and Equipment Finance, drawing on his broad lender relationships to secure competitive terms.

Ian's philosophy is straightforward: make the process simple, transparent, and stress-free. He believes every client deserves to feel informed and empowered at every stage, not just at the point of signing. He offers flexible options to connect online or in person, working around your schedule to keep things moving.

If you're looking for a trusted, experienced mortgage broker in Leppington and across Sydney, Ian Chan at Unity Mortgages is here to guide you every step of the way.