Finance broking that makes sense
From home loans to complex commercial structures
Banks speak their own language. We’re fluent, so you don’t have to be. Whether you’re buying your first home, upgrading, or running a business that needs complex commercial finance, we translate your situation into bank-friendly packages that get approved.
No Cost, No Obligation
10+ Years Established
Operating Australia-wide
Consumer & Commercial Expertise
Sydney Based
Trusted by Sydney
families & businesses
Jonathan Streater is an outstanding mortgage broker. He helped me secure finance for an investment property and made the entire lending process smooth and stress-free. His knowledge of investment property finance, clear communication, and ability to deliver within tight timeframes was exceptional. I would highly recommend Jonathan to anyone looking for expert mortgage or investment lending advice.
I can’t speak highly enough of Jonathan and the incredible service he provided. From day one, he went above and beyond to make the entire process smooth, stress-free, and easy to understand. His knowledge, professionalism, and genuine commitment to helping us achieve the best outcome were clear at every step. His communication was outstanding, and nothing ever felt like too much trouble. We truly felt supported and confident knowing he was in our corner. We’re incredibly grateful and highly recommend Jonathan.
We had such a great experience with Jonathan from JEM Finance Group. Jonathan made the whole refinancing process so much easier than I expected, he took the time to really understand my situation and explain everything in simple terms.
Jonathan was always quick to reply and really went out of his way to find the best deal for us which made the whole process stress free. Jonathan explained everything clearly and kept us updated the whole time which in turn saved us $600 per month on our mortgage repayments.
Honestly couldn’t have asked for better service. If you need a mortgage broker who actually cares and makes things simple, JEM Finance Group is the way to go.
Made life very easy and very helpful with any questions i had
I would like to thank Jonathan at Jem Finance for the exceptional service and for going above and beyond to get us the outcome we desired.
Much appreciated.
We chose JEM after a friend’s recommendation, we found dealing with Jonathan very easy and always prompt to answer our queries. We are in the process of using JEM again now and could not be happier.
Things were handled for me, didn’t take much of my time as they did most of the work
Great service by Jonathan and the team, look forward to working with them again.
Great help, from beginning to end
We recently chose to refinance both our home and investment loans, and we had the pleasure of working with JEM Finance Group. Jonathan took the time to thoroughly understand our needs and provided expert advice tailored to our situation. His extensive knowledge, skills, and experience were evident throughout the process, ensuring we secured our loans on the best possible terms. Jonathan was professional, efficient, and easy to work with. I highly recommend their services.
Great service, professional, efficient, obtain best rates/deals, very transparent and informative. I will not hesitate to recommend JEM Finance Brokers to all my family, relatives and friends. Thank you Jonathan greatly appreciated.
Our commitment
We tell you what's genuinely possible, give you realistic timeframes, and guide you through each stage without the usual bank complications.
$100K to $100M facilities arranged
Operating Australia-wide since 2016
Consumer & commercial expertise
Finance solutions for every stage and scale
Home Loans
Get your home loan approved without the bank runaround. We handle everything from first home buyers to multi-million dollar purchases, refinancing to investment properties.
Best for
First home buyers, upgraders, investors, refinancers
SMSF Property Loans
Build your retirement fund through property. We understand SMSF regulations and structure loans that stay compliant while building wealth.
Best for
Pre-retirees, investors, professionals
Asset Finance
Finance your equipment and keep your cash flow healthy. From vehicles to machinery, we arrange asset finance for businesses across all industries.
Best for
Construction, medical, transport, professional services
Private Lending
Finance when traditional banks say no. Alternative lending solutions for time-sensitive situations or circumstances that don’t fit standard criteria.
Best for
Self-employed, complex situations, urgent timing
Commercial Finance
Commercial finance for businesses that don’t fit in boxes. From working capital to major equipment purchases, we specialise in complex structures across multiple entities.
Best for
Business owners, commercial property, business expansion
Here's what actually happens
The typical finance process from first conversation to settlement.
Discovery
Session
We discuss what you’re trying to achieve and your current financial position. No paperwork needed yet, just a conversation. It takes about 30 minutes.
Information Gathering
We work out what documents we need and explain why banks need them. You gather information while we assess your borrowing capacity.
Analysis & Recommendations
We analyse your position, present you with options that actually fit, and explain which lenders suit your situation and why.
Application
& Approval
We handle the paperwork, bank conversations, and keep you updated through each stage. You stay informed throughout.
Documentation
& Settlement
We coordinate with solicitors, manage the documentation process, and see your loan through to settlement. Usually 3-4 weeks from application to settlement, depending on complexity.
What sets us apart
Genuine commercial expertise
Most brokers advertise commercial services but refer out the complex work. We handle it ourselves. From sole traders to businesses with $200 million in debt facilities, we understand cross-collateralised security, business cash flows, and what banks need to see from commercial structures.
If your business doesn’t fit neat categories or you have multiple entities, that’s exactly where our expertise helps.
We look behind the curtain
Banks assess applications differently than you might think. What you tell them matters, how you present information affects outcomes, and timing influences approval chances.
We understand what banks really want to see, which questions trigger deeper scrutiny, and how to package your situation properly from the start. That knowledge makes the difference between smooth approvals and lengthy complications.
One broker, complete picture
If you’re a business owner, your business income affects your home loan serviceability. Your personal assets might support business lending. Having one broker who understands both sides creates useful continuity.
We handle consumer and commercial finance, which means we see your full financial picture and can structure things strategically, not just transactionally.
Family-centred approach
The name JEM comes from our three children: Joshua, Ethan, and Makayla. That family-first philosophy extends to how we work with clients. You’re not a transaction number; you’re someone building security for your own family.
We treat your financial decisions with the care they deserve.
Built on expertise, not shopfronts
JEM Finance operates differently than most brokerages. No shopfront, no high-pressure sales environment. Just comprehensive finance expertise delivered through straightforward conversations and careful attention to your situation.
We specialise in complex commercial finance alongside consumer lending. Nine years working with Sydney families and businesses means we’ve seen most scenarios before and know how to navigate the complications that stop standard applications.
Operating Australia-wide from our Sydney base, we serve clients across the country through digital communications and phone conversations. Occasionally we meet in person when it makes sense.
Our approach
Take the pain out of dealing with banks. Translate client needs into bank-friendly packages. Protect clients from unnecessary complications. Improve financial literacy through the process.
What clients say
Jonathan Streater is an outstanding mortgage broker. He helped me secure finance for an investment property and made the entire lending process smooth and stress-free. His knowledge of investment property finance, clear communication, and ability to deliver within tight timeframes was exceptional. I would highly recommend Jonathan to anyone looking for expert mortgage or investment lending advice.
I can’t speak highly enough of Jonathan and the incredible service he provided. From day one, he went above and beyond to make the entire process smooth, stress-free, and easy to understand. His knowledge, professionalism, and genuine commitment to helping us achieve the best outcome were clear at every step. His communication was outstanding, and nothing ever felt like too much trouble. We truly felt supported and confident knowing he was in our corner. We’re incredibly grateful and highly recommend Jonathan.
We had such a great experience with Jonathan from JEM Finance Group. Jonathan made the whole refinancing process so much easier than I expected, he took the time to really understand my situation and explain everything in simple terms.
Jonathan was always quick to reply and really went out of his way to find the best deal for us which made the whole process stress free. Jonathan explained everything clearly and kept us updated the whole time which in turn saved us $600 per month on our mortgage repayments.
Honestly couldn’t have asked for better service. If you need a mortgage broker who actually cares and makes things simple, JEM Finance Group is the way to go.
Made life very easy and very helpful with any questions i had
I would like to thank Jonathan at Jem Finance for the exceptional service and for going above and beyond to get us the outcome we desired.
Much appreciated.
We chose JEM after a friend’s recommendation, we found dealing with Jonathan very easy and always prompt to answer our queries. We are in the process of using JEM again now and could not be happier.
Things were handled for me, didn’t take much of my time as they did most of the work
Great service by Jonathan and the team, look forward to working with them again.
Great help, from beginning to end
We recently chose to refinance both our home and investment loans, and we had the pleasure of working with JEM Finance Group. Jonathan took the time to thoroughly understand our needs and provided expert advice tailored to our situation. His extensive knowledge, skills, and experience were evident throughout the process, ensuring we secured our loans on the best possible terms. Jonathan was professional, efficient, and easy to work with. I highly recommend their services.
Great service, professional, efficient, obtain best rates/deals, very transparent and informative. I will not hesitate to recommend JEM Finance Brokers to all my family, relatives and friends. Thank you Jonathan greatly appreciated.
Questions we get asked
What areas of Sydney do you mainly work in?
Most of our clients are in Sydney metropolitan areas, particularly inner Sydney and Eastern suburbs, but we work throughout greater Sydney and nationally. Your location doesn’t limit whether we can help. It’s about whether your situation suits our expertise.
Can you help with investment properties?
Yes, both residential investment properties and commercial property investments. We work with investors building property portfolios, SMSF trustees buying through super, and business owners acquiring commercial premises.
Do you handle refinancing?
Yes. Refinancing home loans, commercial facilities, or restructuring existing debt across multiple properties. If you’re looking to reduce rates, consolidate loans, or access equity for other purposes, we can assess what makes sense for your situation.
What if my situation doesn’t fit standard criteria?
That’s when talking to us makes most sense. Self-employed income, multiple entities, previous credit issues, SMSF structures, or situations that don’t fit neat categories are exactly the scenarios where broker expertise helps. We assess what’s genuinely possible and explain your realistic options.
How do you handle complex business structures?
This is where our expertise makes the biggest difference. We understand cross-collateralised security, how to present business cash flows, and what banks need to see from multiple entity structures. We translate complex business arrangements into formats banks understand and can assess properly.
What makes you different from other brokers?
Genuine commercial finance expertise. Most brokers focus on home loans and refer complex commercial work elsewhere. We handle it ourselves, from sole traders to businesses with $100 million facilities. If you’re a business owner who also needs personal finance, having one broker who understands both creates useful continuity.
Do you work with people outside Sydney?
Yes. We work Australia-wide. While most of our clients are in Sydney metropolitan areas, we serve clients throughout the country through phone and video conversations. Location doesn’t limit who we can help.
Can you help if banks have already declined me?
Sometimes, yes. Banks decline for specific reasons. If we can address what caused the decline or if a different lender has different criteria, we may have options. We’ll assess your situation honestly and tell you whether we think we can help.
How long does the loan process take?
Standard home loans typically take 3-4 weeks from application to settlement. Commercial loans and complex arrangements can take several months depending on the structure and what banks need to assess. We’ll give you realistic timeframes based on your specific situation.
Do I pay fees to use a broker?
In most cases, no. We receive commission from lenders when your loan settles, so our service is free for you. Occasionally for complex commercial arrangements or private lending, there may be fees, but we’ll explain these upfront before you commit to anything.
Areas We Service
We work with clients across Sydney, providing tailored mortgage and finance solutions based on your location, goals, and circumstances.
Ready to talk about
your finance needs?
