Our Lending Services
Explore tailored financial solutions for home loans, refinancing, and more across Australia with JJ Loans.
First Home Loans
Owning a House Is Not Just a Dream Anymore
First Home Loan is a type of home loan designed specifically for individuals or couples who are buying their first property. At JJ Home Loans, we understand that taking the first step onto the property ladder can feel overwhelming—but it doesn’t have to be.
As a first home buyer, you may be eligible for special benefits such as:
Low deposit home loan options
Access to government grants and schemes (like the First Home Owner Grant or First Home Guarantee)
Stamp duty concessions (available in some states)
Tailored guidance from our expert brokers
We work with over 60 banks and lenders, including all major Australian banks—Commonwealth Bank, Westpac, ANZ, and NAB—to help you find the right loan, at the right rate, with terms that suit your budget and future plans.
From pre-approval to settlement, JJ Home Loans is here to simplify the process and support you every step of the way.
Refinancing Solutions
Grow Your Wealth Through Property Investment
An Investment Home Loan is a type of loan used to purchase a property with the intention of generating income or building long-term wealth—typically through rental returns and capital growth. Whether you're a seasoned investor or exploring your first investment property, JJ Home Loans is here to help you make smart, strategic lending decisions.
With access to over 60 lenders, including all of Australia's major banks—Commonwealth Bank, Westpac, ANZ, and NAB—we offer a wide range of loan options tailored specifically for property investors. These include:
Interest-only loans
Principal and interest options
Fixed and variable rate investment loans
Equity release for future investments
Loan structures to maximise tax benefits (consult with your tax advisor)
Our experienced mortgage brokers understand the complexities of property investment and will work closely with you to find a loan that aligns with your financial goals, cash flow needs, and long-term strategy.
Investment Home Loans
Take Control of Your Home Loan and Save
Refinancing is the process of replacing your existing home loan with a new one—usually to get a better interest rate, lower repayments, or access additional features. At JJ Home Loans, we make refinancing easy by comparing offers from over 60 banks and lenders, including major Australian banks like Commonwealth Bank, Westpac, ANZ, and NAB.
There are many reasons homeowners choose to refinance, including:
Securing a lower interest rate to reduce monthly repayments
Accessing equity in your home for renovations, investments, or personal needs
Consolidating debt into one manageable loan
Switching from variable to fixed rates (or vice versa)
Adding features like offset accounts or redraw facilities
Our expert mortgage brokers will assess your current loan, explore better alternatives, and guide you through the process from start to finish—saving you time, stress, and potentially thousands over the life of your loan.
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Construction Loans
Home Construction Loan After Land Purchase
Build your dream home from the ground up with our Home Construction Loan. If you've already purchased landor planning to buy a land JJ Home Loans makes it easy to arrange finance the construction of your new home. Our flexible loan options are designed to support you at every stage of the building process—from laying the foundation to the final touches.
Key Features:
Tailored for landowners planning to construct a home
Flexible disbursal in stages based on construction progress
Competitive interest rates and convenient repayment terms
Expert support and guidance throughout your project
Turn your vision into reality—start building your home with confidence.
Asset Finance
Flexible Funding to Power Your Business Equipment Needs
Asset Finance is a smart way to acquire the vehicles, machinery, or equipment your business needs—without tying up valuable working capital. Instead of paying the full cost upfront, you spread the payments over time while using the asset to grow your business.
At JJ Home Loans, we work with over 60 banks and lenders, including all major Australian banks like Commonwealth Bank, Westpac, ANZ, and NAB, to offer tailored asset finance solutions to businesses across Australia.
We can help you finance:
Commercial vehicles (cars, vans, trucks)
Construction and earthmoving equipment
Office technology and IT
Manufacturing and industrial machinery
Medical and specialist equipment
Types of asset finance options include:
Chattel mortgage
Hire purchase
Finance lease
Operating lease
Our expert brokers will guide you through the available options, helping you choose the right structure, terms, and lender to suit your cash flow, tax strategy, and long-term goals.
Fuel Your Business Growth with the Right Finance
A Business Loan is a type of funding designed to help businesses manage cash flow, invest in new opportunities, expand operations, or cover unexpected expenses. Whether you're launching a new venture, growing your current business, or investing in equipment or inventory, JJ Home Loans can help you find the right financial solution.
We work with over 60 banks and lenders, including major Australian banks such as Commonwealth Bank, Westpac, ANZ, and NAB, to offer a wide range of business lending options tailored to your needs.
Types of business loans we can assist with include:
Unsecured business loans – no collateral required
Secured business loans – backed by property or other assets
Lines of credit – flexible access to funds when needed
Equipment and vehicle finance
Commercial property loans
Franchise and start-up loans
At JJ Home Loans, we take the time to understand your business goals, financial situation, and funding needs—so we can match you with a loan that supports your success
Commercial & Business Loans
