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.
Amy Xie
Mortgage/Tax
Consultant
With over 8 years of experience in the finance industry, Amy combines her expertise in tax advisory and mortgage solutions to help clients achieve both their short-term goals and long-term financial security.
Amy offers a comprehensive range of lending services, including the First Home Guarantee scheme, asset finance, personal loans, and individual & commercial car loans. Whether you’re buying your first home, upgrading your vehicle, or streamlining your finances, she works diligently to secure the most suitable and competitive options.
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Passionate about staying informed on property market movements and emerging fintech trends, Amy also enjoys contributing to community events that promote financial literacy.
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To arrange a complimentary home loan or tax consultation, contact Amy at 0434 602 206 or amy.xie@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.