Accredited with Australia's leading lenders
Sam brings bank-trained expertise and broker independence to every file — whether you're buying your first home, running your own business, or looking for a better rate.
Buying your first home can feel overwhelming — grants, schemes, stamp duty concessions, and dozens of lenders. Sam walks you through every entitlement, handles the entire application, and keeps you informed from first conversation to settlement.
Start your journey →Banks often struggle with complex income structures. Sam understands self-employed financials — tax returns, addbacks, and alt-doc options — and knows exactly which lenders will work for your situation rather than against it.
Get assessed →Already have a loan? Sam reviews your current rate, identifies what you could be saving, and manages the full refinance — often at zero cost to you. For investors, we structure lending to support your portfolio's long-term serviceability.
See your options →First home buyer, upgrading, refinancing, or construction — Sam compares 20+ lenders to secure a competitive rate and structure suited to your situation.
Learn more →Investment properties, business premises, and development finance — we structure commercial lending aligned to your growth strategy and long-term objectives.
Learn more →Renovations, vehicles, or life's unexpected moments — flexible personal finance with transparent terms and a broker who works in your interest, not the bank's.
Learn more →From first conversation to settled loan — and every annual review after — here's exactly what working with Sam looks like.
Book a Free Consultation"Every client deserves the same access to expertise as a private banking client — regardless of loan size."
Ki Meng "Sam" Ing is the founder of Victoria Cornerstone Mortgages, built on trust, clarity, and long-term financial guidance. With experience inside Commonwealth Bank — across customer service, banking products, lending support, and loan maintenance — Sam brings genuine bank-side knowledge to independent broking.
Sam helps clients across first home buyer loans, refinancing, investment lending, owner-occupied lending, and construction finance. Whether you're purchasing, building, renovating, or structuring for investment — Sam takes the time to understand your goals and match you with the right lender and structure.
This is a guide estimate based on standard lender benchmarks. Want Sam to run your actual borrowing capacity — free, no obligation?
Guide estimate only. Actual borrowing capacity depends on your full financial position, lender policy, and credit assessment. Does not constitute financial advice.
Sam made what I thought was an impossible situation completely manageable. As a self-employed buyer, I'd been knocked back by two banks — Sam found us a lender within a week and we settled in 30 days. Truly exceptional.
"I've worked with several brokers over the years for my investment portfolio, but Sam is in a different league. Responsive, knowledgeable, and always looking out for my best interest — not just the deal."
"We refinanced with Sam's help and saved over $400 per month. The whole process was seamless — Sam explained every option clearly and never pushed us toward anything that wasn't right for us."
Proudly serving clients across all of Australia · VIC · NSW · QLD · WA · SA · TAS · ACT · NT
Sam responds personally to every enquiry within one business day. No obligation. Your details are never shared with third parties.Book a Free Consultation →