Finance solutions for every stage of the journey

What we do

Whether you're buying your first home, growing a property portfolio, or financing your business — J Financial works with 30+ Australian lenders to find the right structure for your situation.

Self Employed Mortgage

Flexible lending for business owners and sole traders

Getting a home loan when you're self-employed doesn't have to be complicated. J Financial specialises in matching self-employed borrowers with lenders who understand variable income, tax minimisation strategies, and alternative income verification — so your loan application reflects your true financial position.

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What's included

Low-doc loan options using BAS statements, bank statements, or accountant letters

Access to specialist non-bank lenders who look beyond standard tax returns

Loan structures tailored to business cash flow and seasonal income

Guidance on how to present your financials to maximise borrowing capacity

Support for sole traders, company directors, and trust structures

First Home Buyers

Expert guidance from pre-approval to settlement

Buying your first home is one of the biggest financial decisions you'll make. J Financial walks you through every step — from understanding your borrowing capacity and navigating government grants, to comparing lenders and managing the settlement process — so you can buy with confidence.

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What's included

First Home Guarantee (FHLDS) — buy with as little as 5% deposit, no LMI

First Home Owner Grant (FHOG) eligibility assessment by state

Stamp duty concessions and exemptions for eligible first home buyers

Clear explanation of the full purchase process from offer to settlement

Access to 30+ lenders to find the most competitive rate and features

Investor Loans

Strategic finance to grow your property portfolio

Property investment requires a different lending approach to owner-occupied finance. J Financial helps investors structure loans to maximise tax effectiveness, preserve borrowing capacity across multiple properties, and access the right product — whether that's interest-only, principal and interest, or a line of credit.

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What's included

Interest-only loan options to optimise cash flow and tax deductibility

Cross-collateralisation advice and portfolio structuring

Access to lenders with favourable investor serviceability policies

Guidance on using equity in existing properties to fund new purchases

Support for SMSF lending and company or trust structures

Refinancing

Lower your rate, unlock equity, or simplify your debt

Your current home loan may no longer be the best option available to you. J Financial reviews your existing loan against the current market, identifies opportunities to reduce your rate or access equity, and manages the entire refinancing process — with no disruption to your day-to-day.

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What's included

Full market comparison across 30+ lenders to find a better rate

Equity release for renovations, investment, or debt consolidation

Break cost analysis for fixed-rate loans before switching

Cashback offers and fee waivers negotiated on your behalf

End-to-end application management from assessment to settlement

Construction Loans

Finance structured around your build timeline

Construction loans work differently to standard home loans — funds are drawn in stages as your build progresses, and interest is only charged on what's been drawn. J Financial helps you navigate the complexity of construction finance, from land purchase through to final handover.

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What's included

Progressive drawdown structure aligned to your builder's payment schedule

Interest-only repayments during the construction period

Guidance on fixed-price contracts and lender valuation requirements

Owner-builder loan options for eligible projects

Seamless transition to a standard home loan on completion

Asset & Equipment Finance

Competitive finance for the tools your business needs

Whether you're purchasing a vehicle, machinery, or specialist equipment, J Financial sources competitive asset finance solutions that preserve your working capital and keep your business moving. We work with a range of lenders to find the right product — chattel mortgage, finance lease, or hire purchase.

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What's included

Chattel mortgage, finance lease, and hire purchase options

Vehicles, plant and machinery, technology, and specialist equipment

Potential tax advantages including GST input tax credits and depreciation

Fast approvals with minimal documentation for eligible applicants

Flexible terms from 12 months to 7 years to suit your cash flow

No LMI & Waived LMI

Skip thousands in mortgage insurance costs

Lenders' Mortgage Insurance (LMI) can add thousands to the cost of your home loan when borrowing above 80% LVR. J Financial works with 30+ lenders and mortgage insurers to help eligible borrowers — including professionals, first home buyers, and investors — access waived or significantly reduced LMI fees.

Check your eligibility

What's included

LMI waivers available for doctors, lawyers, accountants, and other eligible professionals

First Home Guarantee (FHLDS) — borrow up to 95% LVR with no LMI

Family guarantee loans allowing up to 105% LVR with no LMI required

85% LVR LMI-free options available through select non-bank lenders

LMI premium discounts of 25–33% for eligible first home buyers

Case-by-case assessment across 40+ lenders to find your best option

Family Guarantee Loans

Use your family's equity to get into the market sooner

A family guarantee home loan allows a family member — typically a parent or sibling — to use the equity in their property as additional security for your loan. This can help you avoid a large upfront deposit, skip LMI fees entirely, and borrow up to 105% of the property value.

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What's included

Borrow up to 105% LVR using a family member's property as security

No deposit required — ideal for buyers with limited savings

LMI fees waived when the family guarantee reduces your effective LVR below 80%

Parents, grandparents, siblings, and spouses accepted as guarantors by most lenders

Guarantor liability limited to the guarantee portion — not the full loan

Clear guidance on legal obligations and independent advice requirements

SMSF Home Loans

Purchase property through your self-managed super fund

An SMSF home loan allows your self-managed super fund to purchase residential or commercial property under a Limited Recourse Borrowing Arrangement (LRBA). It's a specialist area of lending — J Financial's senior brokers navigate the complexity so your SMSF can access the right lender and structure.

Speak with an SMSF specialist

What's included

LRBA-compliant loan structures for residential and commercial property

Borrow up to 80% LVR through select non-bank lenders

Bare trust and holding trust arrangements supported

Access to lenders who have remained active in the SMSF market post-2018

Guidance on SIS Act compliance, trustee obligations, and documentation

Coordination with your accountant and solicitor throughout the process

Low Deposit Home Loans

Get into the market with as little as 5% deposit

Rising property prices make saving a 20% deposit increasingly difficult. J Financial helps buyers access high-LVR home loans — from 85% to 95% LVR — through government schemes, specialist lenders, and tailored strategies that get you into the market without waiting years to save a full deposit.

Check your eligibility

What's included

First Home Guarantee — buy with 5% deposit and no LMI (35,000 places per year)

85% to 95% LVR loans available through major and non-bank lenders

Genuine savings assessment to strengthen your application

LMI premium negotiation and discount options for eligible borrowers

Exclusive rates available for medical, legal, and accounting professionals

Guidance on Regional First Home Buyer Guarantee and Family Home Guarantee

Not sure which service is right for you?

Book a free, no-obligation consultation and we'll map out the right path for your situation.

Book a free consultation