Business Details
Your Trusted Financial Partner in Sydney
XIN is a trusted financial services provider dedicated to guiding clients toward financial freedom through tailored mortgage, wealth, and custom loan solutions. With a customer-first ethos, we prioritize integrity, diligence, and transparency in all our operations, ensuring compliance with legal and regulatory standards. Our team of experienced professionals delivers personalized financial strategies, including mortgage optimization, wealth growth, and SMSF management, while maintaining a strong focus on client education and empowerment.Backed by a 5/5 Google review rating, we combine expertise with a commitment to lifelong client relationships, positioning ourselves as knowledgeable guides, growth drivers, and guardians of our clients' financial futures.
Services
Mortgage Solutions
Wealth Management
SMSF Services
Education Bonds
Financial Calculators
Loan Refinance
Equipment Finance
Tax Planning
Property Advice
Retirement Planning
Highlights and features
- Customer-first approach with recommendations based on client needs
- Integrity and transparency underpin all financial advice
- Compliance with all legal and regulatory requirements
- 5/5 Google reviews for exceptional service quality
- Expertise in SMSF, mortgage optimization, and tax strategies
Associations and certifications
- Australian Credit Licence
- Australian Financial Services Licence (AFSL)
What people say
Exceptionally seasoned financial planner
Detailed tailored advice
Global view on the market
Tax-effective strategies
Seamless service
Services
Wealth Consultation
Our Wealth Consultation service provides a comprehensive assessment of your financial situation, including income, expenses, and investments. We help define personalized financial goals and create actionable strategies to optimize tax efficiency, grow assets, and achieve long-term wealth milestones. Tailored to individual needs, this service includes a detailed meeting report and ongoing support for implementing financial plans.
SMSF Service
XIN's SMSF Service offers end-to-end management of Self-Managed Super Funds, including setup, compliance, and investment strategies. We provide tailored advice on property investments, tax benefits, and retirement planning, ensuring alignment with ATO regulations. Our team coordinates with real estate agents and solicitors to facilitate seamless asset acquisition and administration for SMSF members.
Education Bond
The Education Bond service helps families plan for school and university costs through tax-effective investment strategies. We design personalized savings plans, manage contributions, and provide tax benefit claims to maximize returns. This service includes cash flow projections, estate planning options, and flexible withdrawal strategies to cover education-related expenses like tuition, uniforms, and accommodation.
Mortgage Solutions
XIN's Mortgage Solutions assist homeowners and investors in selecting optimal home loans or refinancing existing ones. We analyze borrowing needs, compare loan products, and negotiate terms to reduce debt burdens. Services include loan repayment strategies, borrowing power assessments, and guidance for non-residents or those with complex financial situations.
Tax Planning
Our Tax Planning service identifies strategies to minimize liabilities through deductions, credits, and investment structuring. We offer tailored advice on SMSF taxation, education bond benefits, and property investment tax advantages. The service ensures compliance while maximizing after-tax returns for individuals and families.
People
Frank Lin
Senior Financial Planner
Frank Lin is a Sub-Authorised Representative with over a decade of experience in financial planning. He specializes in mortgage refinancing, SMSF strategies, and tax-efficient wealth growth, delivering personalized solutions to clients.
Simson Jingga
Senior Financial Planner
Simson Jingga provides expert financial advice, focusing on retirement planning and investment strategies. With extensive experience in wealth management, he helps clients achieve long-term financial security through tailored SMSF and mortgage solutions.
Priya Hua
Relationship Manager
Priya Hua specializes in client relationship management, offering strategic guidance on financial products and services. She ensures seamless communication and support for clients pursuing mortgage, wealth, and SMSF goals.
Questions
What is included in XIN's Wealth Consultation service?
The service includes a financial health check, goal setting, tax optimization strategies, and a detailed action plan. It does not recommend specific products but focuses on personalized strategies.
Can I use an SMSF to invest in property?
Yes, XIN provides SMSF lending solutions and property investment guidance, ensuring compliance with ATO regulations and tailored to your retirement goals.
How does an Education Bond benefit my family?
Education Bonds offer tax-free contributions, 30% tax benefits on earnings, and flexible withdrawals for education expenses, helping families manage rising school and university costs.
Are XIN's financial advisors licensed?
Yes, all advisors are licensed through AFSL 554115 and authorized representatives, ensuring compliance with Australian financial regulations and professional standards.
Can grandparents contribute to an Education Bond?
Yes, grandparents can set up an Education Bond as policy owners, naming grandchildren as beneficiaries, with tax advantages and estate planning benefits.
What areas does XIN serve?
XIN operates in North Sydney, Chatswood, Sydney CBD, and Penrith, offering in-person and virtual consultations for mortgage, wealth, and financial planning services.
Reviews (5)
J. J.
Jan 19, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
You can't go wrong with Jessie. She will find the best option for your loan and get it approved. We've done some loans with her and she never let us down. We will go with her again in the future :)
You can't go wrong with Jessie. She will find the best option for your loan and get it approved. We've done some loans with her and she never let us down. We will go with her again in the future :)
Glenn Gao
Jan 12, 2022
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Our broker Roy from XIN mortgage is highly recommended. He is phenomenal in understanding customer needs, excellent knowledge and explanation of products. Always available to answer your questions. He made our home loan process so easy and quick.
Sarah
Jan 05, 2022
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Thanks Sabrina, it was great working with you on this purchase. You made it real simple and helped us out greatly when valuation came in real low from the first bank. You kept checking on us when lockdowns delayed our settlement and informed us to rate lock. Really appreciate you looking after us.Definitely will recommend you to our family and friends :)
Elena Danilova
Dec 17, 2021
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If one person could "make" a company - it is Daniel! He is so professional, meticulous and responsive - it sets a high standard for the whole industry. I was sceptical but Daniel has restored my faith in brokers! I would highly recommend XIN Mortgage and Daniel personally as he represented this company really well for me! With gratitude and wishes for a merry Christmas and a happy and prosperous New Year. Cheers, Elena
Sue Liu
Dec 16, 2021
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Lewie was very knowledgeable and professional. He worked well with us to get our home loan approved in very short time. Lewie was always available whenever we needed urgent clarification on the settlement process, he can always bring up an answer fairly quickly in a professional way benefiting from his many years bank working experience. We will definitely be working again with Lewie and his team in the future! Highly recommended!
