Services

All the services under one roof

Purchasing A Property

Save on interest

In just last few months, there has been a constanct rise in the interest rates of all the lenders due to rise in RBA rates. Within this competitive banking landscape, it is ever more important to keep on top of your existing finances and to ensure you are getting the best rate possible from the pool of different lenders. With over 50 lenders on our panel, we are bound to find the right and cheapest option tailoring to your current and future needs. There are few Lenders offering about $2000 to $5000 rebates on refinances based on your loan size and different conditions. You are just a click away for contacting us to review your loan health check.

Cash out equity

There is no benefits of building capital or equity if you don’t make use of it. At JAY Finance, we combine the option of equity release with all potential purchases to ensure your equity is working for you to maximize your deposit and purchase potential. In this highly volatile market it may be a brilliant idea to lock in your equity now so you don’t lose it later. Please call or contact us for a free equity check of your property and get the best possible interest options available in the market.

Refinancing Your Existing Loan

Home Purchase

The home purchase process is a daunting task for a first home buyer. At JAY Finance, We are focused on helping first home buyers and have deep understanding of different First Home Buyer government schemes and lender policies. We are also expertise in more specialized options such as low deposit and parental guarantee options to maximise opportunities for new buyers. Please call or email us for free advice on your eligibility for First Home Buy.

Investment Property

Investment property is real estate that’s bought with the aim of earning financial return. This return can be rental yield when the owner rents to a resident or business. It can also be future gains when the property is sold for a profit. With over 50 lenders on our panel and an experience across each, we will find the right lender to suit your needs and present the cheapest option possible. We also combine this with options of refinance and equity release to greatly improve your purchase potential.

Business Finance

Commercial property purchase

Purchasing a commercial asset is more complex process than purchasing a residential property. With out strong relationship with business lending panels, we can find the most suitable and cheapest solution for you. Please call us / email us for quick reply on your loan requirements.

Business acquisition & expansion

It is exciting to purchase a new business or to expand an existing one. At the same time, it is frightening and full of uncertainties. We understand what it takes to bring your business to the next level and will assist in new business and franchise acquisition. We have a wide lenders panel and referral partners who will advise you with the best possible deal.

Equipment Finance

Motor vehicles

At JAY Finance, we deal with a wide lenders panel dealing with Vehicle Loans (Car, Motor Bike, Heavy vehicles) both for personal and commercial use and provide a competitive interest rate, fast access to your money and a repayment plan that suits what you can afford. Whether this is your first car or your fifth, we’ll let you know how much you can safely borrow and get you the funds fast!

Machines & equipmnet

Equipment finance is not just for standard vehicles. It can be for any equipment that you use, as small as a camera, printer or scanner to something as large as fit outs, earthmovers, boats or even drones. With years of success in equipment finance, there is almost no equipment that can’t be financed one way or another through the equipment loan itself or even a business loan, secured or unsecured.

Specialised Finance

Guarantor loans

Did you know you can borrow up to more than 100% if you have someone (usually parents) willing to provide their property as security? We have had years of success helping customers purchase their first home, with or without sufficient deposit, across many different lenders that offer this. We have helped clients with absolutely no deposit secure their first home purchase.

Low deposit purchase

It is a common misconception that you need at least 20% deposit to purchase a property. There are many other options where lenders can lend you up to more than 100% of your purchase price taking into account all fees. A good example is the below.

Low doc loans

If you’re self employed or a business owner, you may be stuck within the lending process depending on the timing of your financial statements or tax returns. With many low doc options in our panel, you may access funding via alternate means outside of the standard tax returns and financial statements. This can help in times of need regardless of what period in the year you are in for your business.

Bad credit history

Have you gone through a bad financial event in the past that affected your credit history? Whether it is your fault or not, it can greatly impede your likelihood of getting credit approval. We are here to help. With years of experience and success in mortgages, we understand how to ask the right questions to turn the outright no to a yes. Further, we have lenders on our panel who consider scenarios regardless of credit score and offer mortgage facilities to cater for your need regardless of situation.

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email: 0431897286

 

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loan

Find the loan that works for you.

Owner-occupied Home Loans

Investment Property Loans

First Home Loans

Off-the-plan Mortgage Loans

Construction Loans

Bridging Finance & Relocation Loans

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 How we will work together

DISCOVERY

Complete the Hello Pack (privacy, fact finding form) and answer questions about what you’re trying to do, your income, assets and other financial information.

THE MEETING

We’ll talk about goals, present some options and an early recommendation

IN-DEPTH RESEARCH

We’ll scour the market and ensure our recommendation is the most competitive solution for you, and best fits your needs.

RECOMMENDATION PRESENTATION

You’ll be presented with a personalised recommendation plan.

LODGE YOUR APPLICATION AND PREPARE FOR SIGNING

We’ll work with the lender you choose to package, sign and lodge your documents – and do the legwork to get you approved.

APPROVAL MOMENT

We’ll let you know that everything has gone smoothly with your loan application.

SETTLEMENT DAY

This is the moment when the lender releases the money to you. We’ll be there for you during the settlement process to let you know everything has gone through.

TOGETHER FOR THE LONG HAUL

This is just the beginning of our partnership. It’s my ambition to help your financial future thrive. I’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for you, your changing situation and goals.

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Broker

Why use a Mortgage Broker?

Compare Loans

We have access to over 1000 home loans from 30+ different lenders. We work independently to give you an unbiased view of all available loan options from Australia’s banks and lenders.

We give you easy to understand comparisons so that you can make an informed decision – quickly and easily. Contact us today to find out which loan is right for you.

Easily Negotiate

As Mortgage Brokers, we have access to home loan products and offers not available in the broader market. We can help you to negotiate a competitive rate and feel confident you are getting the best deal for your needs.

Save Money

With our knowledge and experience, we can save you money in interest and fees by selecting the loan structure that best meets your needs. Our insights will help you to swiftly navigate the market, saving you time as well.

Ongoing Support

We are here to support you every step of the way. We explain each stage to you, answer all of your questions, and guide you through the home loan process – from start to end.

A home loan is an ongoing commitment. Our service doesn’t stop when your loan settles! We are here to provide you with ongoing support for the life of your loan.

Keen to kick off the process? Set up a free, no-obligation consultation with us today.

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Mortgage

Your Mortgage Broker

 Our promises. Three things you can expect from us

FIND THE RIGHT DEAL FOR YOU

  • We’ll compare a huge panel of banks and lenders
  • No fees* for you, I’m paid by the lender you choose
  • The power to negotiate discounts

 SAVE YOU TIME

  • We’ll scour the market for you
  • Expert research to find you the right loan
  • Do all the legwork for your application

 KEEP IT SIMPLE

  • No jargon! Everything explained simply
  • I work for you, not the banks or shareholders

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Wanna Talk To Us?

Please feel free to contact us. We’re super happy to talk to you. Feel free to ask anything.

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Why Choose Us?

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We Provide Tailored Solutions

We understand that each client is different and there is no one size fits all. With vast experience across consumer & business banking, there is no scenario too difficult. With access to more than 30 lenders, count on us to find you the right lender able to cater for your unique circumstance.

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No Costs, Only Benefits

There are no fees for our service and we are paid ultimately by the lender of your choice. There is no obligation throughout the process to take out a loan and we will not proceed unless we strongly agree on the best possible solution.

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Future Focus

Our service is much more than a transaction. Our solution is not only tailored to your current need, but we also strive put you in the best position for your next big move.

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On-going Support

In this ever changing environment, we are committed to provide ongoing support even after settlement. We review client situation in month, half yearly and yearly intervals to ensure that each client is in the best possible position at the future time.

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Pay Off Your Mortgage Sooner

Consolidating your loans makes it easier, cheaper & quicker to pay off all your loans. Take our 1 minute loan check and we will analyse your situation to see if it’s worth it, and then do the work for free. Contact us to find out more.

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Improve Your Financial Health

While it might seem silly, you can easily pay more without noticing. Paying $1,000 a fortnight instead of $2,000 per month over a 25 year loan can save you $35,000 in interest & get you debt free 4 years earlier. Wondering whether an offset account is worth it? Or perhaps you have a current loan? Contact us, we can discuss your other financial options.

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Our Lenders Panel

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Blog

Latest Blog

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Clients Testimonials

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