Our Services

How We Can Help You Grow

Whatever your background is and whatever your goals are…
We have the knowledge, tools and experience to get you there faster!

We can help with:

  • Refinance
  • First Home Buyers
  • Car Loans
  • Personal Loans
  • Construction Loans
  • Investment Property
  • Debt Consolidation
  • Business Loans
  • Equipment Finance
  • SMSF Loans

 

*Please note : We do not hold an Australian Financial Services License (AFSL), and do not provide financial product advice, recommendations or a statement of opinion about financial products such as shares and superannuation.

Refinance

Is your home loan not what it used to be?

First Home Buyer

It shouldn't feel impossible!

Personal Loans

Travel, Wedding, Reno's, New or Used Car

Construction Loan

Challenging and exciting all at once!

Investment Property

Your first or 10th, big or small, new or old

Debt Consolidation

Juggling debt and unsure how to stop?

Business Loans

Flexible and steady cashflow options

Equipment Finance

Vehicles, machinery, technology and more

SMSF Loans

An alternative way to invest your super

Frequently Asked Questions

You can tap into my industry connections to access over 50 banks and 3000+ products. This gives you TONNES of options outside of the Big 4 to find the home loan that saves you the most money. To begin, I’ll personally look after you, listen to your specific situation and give you unbiased, complimentary advice on what is possible. Next, I’ll walk you through the exact steps to save you money on your home loan.

Our service is completely FREE – so there’s absolutely no cost to use our services.

If someone offered to save you thousands of dollars off your mortgage, you’d expect them to take a huge piece of the pie, right? Not us! Our services are FREE – meaning the savings stay in YOUR pocket.

We are a privately owned and operated Australian company. We also keep all jobs on-shore, so your sensitive info doesn’t end up off-shore like other brokerages.

We are not owned or controlled by any banks, and you absolutely will not find any pushy sales hype, obligations, pressure or empty promises here. We believe everyone deserves expert support and guidance, and at the core of our business is helping others to do more, be more, and achieve more. Sharing knowledge and helping others is what Jones Financial Group is all about.

We use bank grade security and keep all jobs on-shore, so your sensitive info doesn’t end up processed off-shore or overseas like other brokerages.

We use market leading technology and bank-grade security to drive innovation and results. Our simple and secure process is 5x safer than emails, and our clients spend 95% less time putting together information without all the hassle and back and forth – meaning our clients celebrate savings sooner!

Most brokers and banks have it wrong! They focus on rate shopping, or searching for a magic pill or shiny new object – and continue to lose money and tip the banks without understanding why they can’t seem to get ahead – regardless of the rate!

We get Aussie home owners laser-focused on the simple actions that create big savings and lasting results.

Many people are afraid to get financial help. They might have bad credit, outstanding loans or simply feel vulnerable talking about personal finances with greedy banks. Please don’t let something like this hold you back.

We’re experts in our field, however we’re also real people who talk your language. No jargon and no judgement – we instead focus all our energy on saving you the most money and getting your loan approved, so you can replace your stress with the financial freedom to finally purchase that new home, or take that dream holiday you deserve.

We have worked in executive positions within the Big 4 banks and international investment banks, so we understand finance and loans on a level much higher than your local mortgage broker.

In fact most of our customers come to us frustrated after speaking to a local broker who is unable to help them, only to walk away with a plan and a solution which they didn’t think was possible!

We help people all across Australia. We have approved loans for clients in every state and territory.

In the past, we had an office in Martin Place Sydney, but we decided we could be serious without a suit, and enjoy lifestyle over stress. With everything done online these days, and less and less in person, we retain all of our bank relationships and contacts – so we can get your loan approved in record time.

If you have a tricky situation or need an approval when others say no, then you need an expert broker in your corner, not necessarily a local mortgage broker.

Great question! This varies depending on your individual situation and how each bank assesses your borrowing capacity. We know and work with banks that only require a 5% deposit. Generally, this can apply when income is sufficient to cover the repayments, you have consistent employment and a suitable credit history with no defaults.

When you borrow more than 80% of the property value, lenders mortgage insurance (LMI) may apply to these loans. Generally, to avoid paying LMI, you will need a 20% deposit plus stamp duty. Some banks may waive LMI or charge a small fee for 85% or 90% loans. We even have a bank which may waive LMI up to 95% for specific situations and specific employment.

An alternative to LMI is having a guarantor. You will not pay any LMI and will not even need a deposit if your parents act as guarantors and use their property as security.

To find out more and see what options are available for you, book an appointment here.