About JEM Finance

Finance expertise shaped by 20 years inside banking

We've been on both sides of the desk. That changes everything.

Most brokers learn finance from the broker side. Jonathan spent two decades inside one of Australia’s big four banks, assessing the same applications brokers were submitting. He knows what gets approved, what gets questioned, and what gets declined before it’s even properly reviewed.

What we're here to do

We take the pain out of dealing with banks.

That means translating your financial situation into terms banks understand, presenting your application so it gets approved rather than questioned, and guiding you through each stage without the usual complications.

Whether you’re buying your first home, refinancing an investment portfolio, or structuring commercial finance across multiple entities, we handle the bank relationship so you don’t have to.

We help you understand what banks need to see, package your situation properly, and avoid the common mistakes that slow approvals down.

The people behind your finance

Jonathan Streater

Director and Finance Broker

Jonathan’s career spans the full credit lifecycle: retail and business lending, corporate credit risk, relationship management, audit, and debt recoveries, including bankruptcy and insolvency proceedings. Before founding JEM Finance, he held the position of State Manager in corporate credit risk at one of Australia’s big four banks, with extensive knowledge across all industry sectors.

That background gives him something most brokers don’t have: a genuine understanding of how banks assess applications from the inside. He knows what triggers deeper scrutiny, how to present complex structures, and which lenders suit which situations.

Jonathan handles all client-facing work, from first home buyers through to businesses with debt facilities approaching $100 million. His particular depth is in commercial and business finance, where complex structures, multiple entities, and cross-collateralised security require specialist knowledge that most brokers refer out.

Alison Streater

Operations and Client Support

Alison manages everything that keeps JEM Finance running behind the scenes: client coordination, office operations, marketing, accounts, and the systems that ensure nothing falls through the cracks.

When you contact JEM Finance, Alison is often your first point of contact. She ensures enquiries are handled promptly, documents are organised, and the process from first conversation through to settlement runs smoothly.

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.