Raymond Liao’s interest in SMSF lending did not come from a textbook. It came from watching clients inside major banks navigate a system that was not designed for them — where SMSF borrowing inquiries were routed through generalist staff unfamiliar with trust structures, compliance requirements, and the actual lender policies that applied to their situation.
After years as a banking professional, Raymond founded Tiger Mortgage in 2021 with a different model: specialists who work directly with clients, understand complex structures, and only submit applications they are confident will be approved.
Qualifications & Recognition
- CPA-qualified (Certified Practising Accountant) — giving Raymond a depth of financial literacy that goes beyond standard mortgage broking
- Recognised in Australia’s Top 100 Brokers list
- Authorised Credit Representative under Australian Credit Licence 389087
- Specialisation in SMSF loan structuring, LRBA compliance, and complex income lending
- Extensive experience across residential, commercial, and SMSF property finance
Raymond’s Approach to SMSF Refinancing
Raymond’s CPA background means he reads SMSF financial statements, trust deeds, and investment strategies the way lenders do — which means he can identify issues before they become objections. In SMSF refinancing, where a single document gap or compliance question can delay settlement by weeks, this matters enormously.
