About
Welcome to Advantage U Finance
Discover a seamless blend of financial expertise and personalized service at Advantage U Finance. Our team of qualified brokers is committed to ensuring your financial journey is both smooth and successful.
Our Team
Javier Zhou, CPA
Director /
Mortgage Broker
Bringing forth over 10 years of experience across diverse sectors such as Accounting, retail banking, business banking, and credit assessment, Javier has sharpened his skills in navigating through complex financial situations. His journey includes the successful completion of the CPA Australia program, which further enhanced his technical, strategic, and analytical skills.
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During his tenure as a Credit Assessor at local asset finance lenders, Javier assessed and decisioned over 8,000 consumer and commercial credit applications. These applications, sourced from Finance & Business managers within dealership networks. This extensive experience not only demonstrated his understanding in different business structures but also highlighted his adeptness in handling complicated financial scenarios.
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As the director of Advantage U Finance and Mortgage Broker, Javier consistently focuses on creating the best outcomes for his clients, consistently prioritising client needs. He ensures transparent communication, prompt settlements, and 5 stars service, fostering enduring client relationships and establishing himself as a trusted partner in his referral network.
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Javier has professional accreditations in following bodies:
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Credit representative (CRN 470545) of Australian Mortgage Advisors Group Pty Ltd (Credit Licence Number 388570)
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Accredited FBAA Member (No. 353978)
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CPA Australia Member (ID: 9696397)
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For tailored guidance and expert advice, connect with Javier at 0401 766 801 or via email at javier.zhou@advantageu.com.au, and secure a complimentary initial consultation to explore your finance options.
Nancy Li
Mortgage
Consultant
With over 10 years of experience assisting international clients in the public education sector, Nancy brings a unique perspective to mortgage broking—blending strong financial expertise, cultural understanding, and a genuine dedication to achieving outstanding results.
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Holding both a Bachelor of Accounting and a Master of Finance from the University of Melbourne, she specialises in supporting first home buyers, migrants, and professionals in navigating complex lending choices with confidence. Fluent in English and Chinese, Nancy offers personalised bilingual guidance to ensure clients feel informed and empowered throughout the process.
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Whether you’re buying your first property, refinancing, or expanding your investment portfolio, Nancy provides strategic, transparent, and dependable advice tailored to your long-term goals.To book a free consultation, contact Nancy on 0430 436 260 or nancy.li@advantageu.com.au.
Joe Zhou
Business
Development
Manager
Meet Joe Zhou, a valued partner at Advantage U Finance, whose expertise and dedication make him an integral part of our team.
With a strong passion for property investment in Australia, Joe has built a reputation as a seasoned professional in both residential and commercial real estate.
Joe stands out for his exceptional ability to build lasting client relationships. Trusted by a vast network of over 10,000 small business owners, he is their go-to advisor for all matters related to business finance. From managing cash flow and acquiring stock or equipment to investing in commercial properties such as warehouses and retail spaces, Joe’s strategic insights and unwavering support have contributed to the success of countless enterprises.
Driven by a commitment to excellence and a deep understanding of client needs, Joe has expanded his expertise to include commercial finance. This evolution reflects his forward-thinking approach and dedication to delivering tailored financial solutions that meet the changing needs of his clients.
With Joe Zhou by your side, you can be confident that your financial goals are in capable hands.
📞 Contact Joe on 0428 266 677 or 📧 joe.zhou@advantageu.com.au.
Service Offerings
At Sea Dragon, we offer a comprehensive range of services designed to meet your unique mortgage needs. Our mission is to simplify the mortgage process, providing you with expert guidance and exceptional service at every step. Here are some of the key services we offer:
Personalized Service
Enjoy a client-focused approach where your unique financial needs are our top priority.
Expert Guidance
Benefit from the insights of our Master of Finance degree holders and CPAs.
Bank Assessor Experience
Tap into expertise gained from years of assessing loans within banking institutions
Comprehensive Solutions
From mortgage advice to financial planning, our team offers a range of services to meet your diverse needs.