Accredited with Australia's leading lenders
Bank-trained expertise. Broker independence. Sam brings both — and works for the client, not the lender.
"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. Before establishing VCM, Sam worked inside Commonwealth Bank across customer service, banking products, lending support, and loan maintenance — giving him direct visibility into how lenders assess, approve, and manage loans from the inside.
That bank-side experience shapes how Sam approaches every client file. He understands what lenders look for, where applications are commonly declined, and how to structure a submission that gives the lender what it needs to say yes. It's knowledge that independent brokers without a banking background don't always have.
Sam works across residential home loans, investment lending, commercial finance, and personal loans — covering first home buyers, upgraders, refinancers, self-employed borrowers, and investors. The common thread is the same: understand the client's situation, find the right lender and structure, and manage the process so the client doesn't have to.
Sam's practice is built around a simple principle: every client deserves a broker who understands their situation before recommending a product. That means asking questions others don't, and taking the time to explain what's actually happening at each step.
Understand first, recommend second. The first conversation is always about your situation — your goals, timeline, income structure, existing liabilities, and what matters most to you. The lender comparison comes after.
Explain the reasoning. Sam doesn't just tell you which product to choose. He explains why one lender is better suited to your situation than another, what the trade-offs are, and what happens if your circumstances change.
Manage the process end to end. From pre-approval to settlement, Sam handles lender communication, document collection, and follow-up. You don't spend your evenings chasing a bank. You stay informed at every step.
A broker for the life of your loan. Settlement isn't the end of the relationship. Sam reviews your loan annually, checks your rate against the current market, and contacts you when a better deal is available. The ongoing service is included — at no additional cost.
Best Interests Duty. ASIC's Best Interests Duty requires brokers to act in your interests — not the lender's. Sam's recommendation must be in your favour. The commission he receives from the lender is disclosed in writing before any application is submitted.
Navigating the first purchase — deposit requirements, government schemes (First Home Guarantee, FHOG), stamp duty concessions, and lender policies. Sam translates the jargon and makes sure you're not surprised at any stage of the process.
Complex income structures, business ownership, and irregular cash flow are standard for self-employed borrowers — but not every lender handles them well. Sam has experience with alt-doc and low-doc lending for business owners who don't fit the standard payslip model.
Residential investment properties and building portfolios over time. Sam understands how lenders calculate investment serviceability, how to structure loans to preserve future borrowing capacity, and when interest-only makes sense.
Reviewing existing loans for rate improvements, better features, or debt consolidation. Sam calculates the break-even point on switching costs and only recommends refinancing when the numbers genuinely justify the move.
Sam is based in Melbourne and primarily serves clients across Victoria. However, as a licensed finance broker, Sam can assist clients across all of Australia. Most of the loan process is handled remotely — by phone, video call, and digital document submission — so geography is rarely a barrier.
Sam receives an upfront commission and a trailing commission from the lender when your loan settles. There is no broker fee charged to you. Under ASIC's Best Interests Duty legislation, Sam is legally required to act in your interests — the recommendation must be in your favour, not the lender's. Commission amounts and the basis for each recommendation are disclosed in writing before any application is submitted.
Yes. Victoria Cornerstone Mortgages operates as a Credit Representative of Finsure Finance & Insurance Pty Ltd, an Australian Credit Licence holder. Finsure is one of Australia's largest aggregators, providing Sam with access to 20+ lenders and the compliance infrastructure to operate under Australian credit law.
Sam is accredited with the major banks (CBA, ANZ, Westpac, NAB), second-tier lenders (Macquarie, ING, Bankwest), and specialist non-bank lenders including Pepper Money, Firstmac, and others. The full lender panel gives access to options across standard, alt-doc, and non-conforming lending for borrowers who don't fit the major bank credit model.
Book a free 30-minute consultation. Sam reviews your situation, provides an indicative borrowing capacity, and explains your options — no obligation to proceed. If you're not ready to apply, a consultation at least gives you a clear picture of where you stand before you commit to anything.
30 minutes with Sam. He reviews your situation, provides an indicative borrowing capacity, and explains your options clearly — before you commit to anything.