MMXVII · A practice, not a platform
Less pitch. More memo.
Brilliant Finance Solutions is a single-broker mortgage practice run by William Sun out of Sydney. The work is structured loans for owner-occupiers, investors, and self-employed Australians who would rather read a memo than sit through a sales pitch.
Origin
Why this practice exists.
We started in 2017 with a frustration: most clients couldn't explain their own loans. So we built a practice where the strategy memo arrives before the application — and stays current, every year, for as long as the loan exists.
Settlement is not the end of the relationship — it's the start of it. Every existing client gets an annual loan review, written, no upsell, no fee. Sometimes the verdict is "stay where you are." Sometimes it's "let's restructure." It's always honest.
The Strategy Memo
Every recommendation, in writing, before any application.
Most brokers name a lender in the first five minutes. We write a memo first. Here is what it covers.
Brilliant Finance Solutions
Loan Strategy Memo
Confidential · Draft
Situation
Owner-occupier. First property. Combined income $195,000. Deposit $120,000. Purchase price target $850,000.
Recommended structure
P&I, 30-year term. Variable rate with offset account. Split: 70% variable / 30% fixed (2-year) to hedge near-term rate volatility.
Indicative rate
6.19% p.a. (variable) · 6.04% p.a. (2-year fixed). Assessed against 3 lenders. Two most likely to approve on timeline confirmed.
Rate sensitivity
If rates rise 1.50%: monthly repayment increases by ~$690. Serviceability remains within assessed capacity at +3% buffer.
LMI consideration
14.1% deposit (below 20%). LMI ~$8,400. First Home Guarantee assessed — client eligible. Recommend applying via FHG to avoid LMI entirely.
Next step
Proceed with pre-approval lodgement to Lender A (major bank, FHG panel). Documents required: last 2 payslips, 3-month bank statements, ID.
Sample memo — illustrative only. Actual memos are tailored to individual client circumstances and delivered in confidence.
How we work
Three steps, every time.
The same sequence whether the loan is your first home, your fifth investment, or a refinance you've been putting off.
-
I
Read the situation.
A 14-minute call to understand the goal, the timeline, the income picture, and the constraints — before any lender is named.
-
II
Write the Strategy Memo.
A short written document: what loan structure suits you, what it costs, what it caps, and which two or three lenders are most likely to write it on those terms.
-
III
Lodge, settle, review.
Application lodged with the chosen lender, followed through to settlement — and then a written annual review for as long as the loan exists.
Credentials
What's verifiable.
Real ASIC numbers, real industry-body membership, real licence chain. No invented awards, no inflated claims.
- Principal
- Wu Sun (display name: William Sun)
- Practice established
- 2017 (MMXVII), Sydney
- Industry body
- Finance Brokers Association of Australasia (FBAA Member M-333308)
- Credit Representative
- 490418 (William Sun) · 498730 (Brilliant Finance Solutions Pty Ltd)
- Australian Credit Licence
- 391237 (BLSSA Pty Ltd ACN 117 651 760)
- ABN
- 95 895 154 224
The Annual Review covenant
Settlement is the start of the relationship, not the end.
For every loan we settle, the client receives a written annual review against the current market for as long as the loan exists. No fee. No upsell. The review answers a single question in writing: given the rate, the structure, and what the panel is offering this quarter, should we stay where we are, restructure, or refinance?
Sometimes the verdict is "stay where you are." Sometimes it's "let's restructure." It's always honest, and it's always written down so you have a record.
Disclosures
On the record.
Wu Sun is a credit representative (Credit Representative Number 490418) of BLSSA Pty Ltd ACN 117 651 760 Australian Credit Licence 391237. Member of the Finance Brokers Association of Australasia (FBAA Member M-333308).
Brilliant Finance Solutions Pty Ltd ABN 95 895 154 224 is a credit representative (Credit Representative Number 498730) of BLSSA Pty Ltd ACN 117 651 760 Australian Credit Licence 391237.
The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.