Frequently Asked Questions
See what other people are asking.
Every Australian deserves a better deal on their personal finances and by asking questions, you could be on your way to getting the right deal.
It’s Smart to Ask.
Do We Qualify For A Loan?
The qualification process is made easy at JAY Finance by making one brief telephone call and we will be able to tell you whether you qualify. If not, we can tell you how to qualify for a loan.
What Will Our Interest Rate Be?
In todays economic situation, interest rates are changing rapidly. All of our Interest Rates are available upon application along with the Comparison Rates for each individual product.
What Are Our Monthly Repayments?
The monthly repayment will depend on the size of the loan and also the term of the loan. At JAY Finance we are able to tailor the loan to suit the monthly repayments that our clients can afford.
Which Loan Is Suitable For Us?
Different loan products suit different borrowers. It is vital and of paramount importance when establishing a loan that it is set up to meet your requirements from inception and be suitable for the life of the loan. At JAY Finance our Qualified Consultants will meet you and identify your loan requirements to make certain you have the correct facility to minimise your repayments and the term of the loan.
Do We Qualify For The First Home Owner Grant?
If you have never had your name on the Title of a Residential dwelling, you should be entitled to the First Home Owners Grant. Some exclusions do apply. A brief phone call to JAY Finance will confirm your eligibility for the Grant.
How Much Can We Borrow?
Your borrowing capacity is determined by several factors. These include status of employment, level of income and the current interest rates, this will also vary form one Lender to another.
Am I Credit Impaired?
Credit impairment can occur when bills remain unpaid. The easiest way to check your credit record is by completing the FREE online Credit Check Service by Equifax.
How Does A Construction Loan Work?
Your borrowing capacity is determined by several factors. These include status of employment, level of income and the current interest rates. This will also vary form one Lender to another.
Can We Borrow Money Without Showing Tax Returns?
Yes, you can borrow money without showing tax returns, and it is becoming increasingly popular, especially among self-employed applicants. Having said that, these types of loans are not available to everybody.