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.

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.

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 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.

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!

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.

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.

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.

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.

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.