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.

Get In Touch With Us Today

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email: 0431897286


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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


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.


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


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


You’ll be presented with a personalised recommendation plan.


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


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


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.


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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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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Your Mortgage Broker

 Our promises. Three things you can expect from us


  • 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


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


  • 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?


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.


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.


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.


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.


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.


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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Latest Blog

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Clients Testimonials

Mahanand Gupta
Mahanand Gupta
Jay is a very experienced and tailor your home loan best suited to you. He found the best product from the market for our refinance. I highly recommend Jay Finance for home loans, business loan and car loans.
Charit Tissera
Charit Tissera
Our experience with Jay has been truly outstanding and if i had the option of giving a 10 -star-review here, he would have definitely got that from me. We got to know about Jay through another friend. Prior to contacting Jay, we had reached out to another Mortgage service provider. Why we decided to proceed with Jay are due to multiple reasons and the below are the most significant ones where im concerned; 1) response and availability; to all our queries which was a huge plus point for us throughout our process, at any given time! 2) thorough knowledge; he guided whenever we had doubts and advised us in each of the steps. 3) clear and professional process; this was easy for us, mainly when submitting the required documentation. Based on our submissions, he will prepare a comprehensive report which will surely shed some light into whats going to happen next. 4) Other connected services; Jay will also recommend really professional conveyancing, building and pest inspection services, how this is at our disposal. Thanks Jay for all the assistance provided. You were a key figure in securing our first-ever property in Australia.
Kavindi Abeysekara
Kavindi Abeysekara
Jay gave us an exceptional service for all matters related from finding the correct financing option untill the final step of securing the property. He is trust worthy and he goes out of the way to help even during odd hours or on holidays. His positive attitude and encouragement given throughout the process is noteworthy. He is a true professional. I have no hesitation recomending him for any financing related services since he does a great job.Thanks once again Jay!
Navin Amarasiri
Navin Amarasiri
I had the pleasure of working with Jay, who is an outstanding mortgage broker and truly exceeded our expectations. His commitment to transparency, friendliness, constant availability, professionalism, and unwavering guidance throughout the entire process was truly commendable. From the initial consultation to the final loan approval, he maintained an unwavering level of transparency and professionalism. He provided comprehensive explanations of the loan options available to us, ensuring we had complete understanding of the terms, rates, and any associated fees. This level of transparency allowed us to make well-informed decisions, leaving no room for surprises or hidden costs along the way. Not only was he transparent, but his friendly demeanour made the entire experience less stressful. He approached every interaction with warmth and genuine care, making us feel comfortable and valued as a client. He took the time to listen attentively to our concerns and patiently answered all our questions, no matter how small. He was always reachable, whether it was via phone, email, or in-person meetings. His prompt responses and availability to address our queries or provide updates were truly impressive. We never felt left in the dark or uncertain about the progress of our loan application. His constant accessibility provided reassurance and peace of mind throughout the process. Additionally, his guidance was invaluable. He skilfully navigated us through the complexities of the loan process, ensuring we understood each step along the way. His expertise and knowledge of the financial landscape was evident as he provided insightful advice. His guidance proved to be instrumental in securing a loan that perfectly aligned. In summary, Jay finance is highly recommended. His commitment to transparency, friendliness, constant accessibility, professionalism, and expert guidance made the entire mortgage process seamless and stress-free. Whish you good luck!!!
Joseph Fofana
Joseph Fofana
He is excellent in assisting customers because he actually master his work. Besides, he is trustworthy person who takes out customers burden simply, by making the process easier, faster and unique that suit your circumstances.
Rashmi Del
Rashmi Del
We were referred to Jay Finance by another colleague who obtained his mortgage services. At that time we had spoken to multiple mortgage brokers and were able to compare the overall service scope at a high level. Jay, provided a very detailed view of the process and guided on what best options are available within our scope. This made us feel confident and we decided to proceed with Jay finance to obtain our mortgage. Below are some of the key positive service elements he offered; - Clear documentation / detail submit and verification process - Detailed reports on expense categorisation - Assistance in FIRB approval - Connected service offerings across Building & Pest inspections, Conveyancing ( Jay referred us to extremely good service providers and assisted us through this process very well) - Transparency across finance approval process - Post approval services across My Connect to set up everything we require for moving of houses - Ability to connect with him for any information verification without restrictions. ( This can be rated at a very high level as he was always available and ensured to get in touch with us ) Exactly 03 months into signing the contract with him we managed to move in to our own first house in Australia! Thank you Jay Finance for the services rendered ! Your support and guidance given to us during our journey made it possible to achieve our dream!
Rajith Vitharana
Rajith Vitharana
Jay is an exceptional financial broker. His expertise and personalized approach made our home buying experience smooth. With his guidance, we achieved our financial goals. Jay's knowledge, clear explanations, and tailored mortgage process were commendable. He was always available for our concerns even while he was away for his holidays. Working with Jay was a great experience, and we highly recommend his services.
Hiroshika Pathirana
Hiroshika Pathirana
I highly recommend Jay as a financial broker. His exceptional service, expertise, and personalized approach made a significant difference in our home buying experience. We are grateful for his guidance and dedication.Thank you, Jay, for your outstanding support in helping us achieve our financial goals. You are truly remarkable.
Sarwar Hussain
Sarwar Hussain
I have had a wonderful experience with Jay , he is very professional but also connects with a personal touch. He has helped us in our first home buying journey in amicable way. I would like to thank Jay and his team for a wonderful job done. He is always reachable and provides expert advice, he has saved us significant $$$$ and managed to get us a really great rate with one of the big 4. I wish Jay best and keep up the good work.
suranga fernando
suranga fernando
Jay was an exceptional mortgage broker who demonstrated a high level of professionalism throughout my entire mortgage process. His attention to detail was impeccable, and he consistently went above and beyond to ensure that all of our needs were met. One of the things that impressed us most about Jay was his regular check-ins with his clients. He took the time to make sure that We were informed and up-to-date throughout the process, which helped alleviate any stress or confusion that we had. Furthermore, Jay provided us with very valuable information that allowed us to make informed decisions about my mortgage. He was always available to answer any questions that we had, and his expertise was evident in the way he presented the information to us. Overall, I highly recommend Jay as a mortgage broker. He provided exceptional support and guidance throughout the process, and his professionalism and dedication to his clients are truly admirable.

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