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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

Founder /

Mortgage Broker


 
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Bringing forth over 10 years of experience across diverse sectors such as Accounting, retail banking, business banking, and credit lending, 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 both TFA (Toyota Finance Australia) and MBFS (Mercedes-Benz Financial Services), 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 founder of Advantage U Finance and Mortgage Broker, Javier embodies a customer-centric ethos, 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:

  • Credit representative (CRN 470545) of Australian Mortgage Advisors Group Pty Ltd (Credit Licence Number 388570)

  • Accredited FBAA Member (No. 353978)

  • CPA Australia Member (ID: 9696397)

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For tailored guidance and expert counsel, 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.

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Joe Zhou
Partner

Meet Joe Zhou, a valued partner at Advantage U Finance, whose expertise and dedication have made him an invaluable asset to our team.

With a great passion for property investment in Australia, Joe has established himself as a seasoned professional in both residential and commercial real estate. Over the past decade, his investment strategy has yielded substantial returns, showcasing his acumen and insight in the ever-evolving property market.

Joe is also the managing director and driving force behind a prominent logistics company - Care Removals, a leading logistics company located in Melbourne. Over the last seven years, Care Removals has established itself as a market leader, widely recognised for its outstanding service standards and prompt customer response times.

Joe stands out for his exceptional talent in building lasting client connections. With a vast clientele of over 10,000 small business owners, Joe is their trusted advisor for all things related to business finance. Whether it's handling cash flow, acquiring stock and equipment, or investing in commercial properties like warehouses and retail stores,Joe's strategic counsel and steadfast assistance have played an important role in the prosperity of numerous enterprises.

Motivated by a dedication to exceptional service and a deep understanding of client requirements, Joe has broadened his expertise to encompass commercial finance. This expansion of his services reflects Joe's commitment to innovation and client satisfaction, as he continuously strives to adapt to the changing needs of his existing clientele. 

With Joe Zhou by your side, rest assured that your financial aspirations are in capable hands. Contact him on 0428 266 677 or via email joe.zhou@advantageu.com.au.

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Amy Xie
Broker Assistant

Amy is a seasoned Tax Accountant and Mortgage Broker with experiences helping individuals and businesses achieve their financial goals. During this time, she had the privilege of assisting over 100,000 clients with their tax returns and providing expert tax advisory services.

Whether you're navigating personal or company tax matters, exploring home loans, or refinancing, her goal is to make the process as smooth and stress-free as possible. With a client-focused approach and proven expertise, she here to support your journey toward financial success. Connect with Amy at 0434 602 206 or via email at amy.xie@advantageu.com.au.

Our Services
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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.

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