About JEM Finance

Finance expertise shaped by 30 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 Senior Executive leadership roles 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 brings more than 25 years of experience across banking, finance, administration and business operations to JEM Finance Group.

Having worked in the finance industry since 1998, Alison has built a career around helping people navigate important financial decisions with confidence and clarity. Her experience spans home lending, client support, compliance, operations management and business administration.

Alison plays a key role in supporting clients throughout the lending process while ensuring the business operates smoothly behind the scenes. From coordinating documentation and client communication through to managing day-to-day operations, she is passionate about delivering a professional, organised and supportive experience for every client.

Clients value Alison’s calm nature, attention to detail and genuine care, helping make what can often feel like an overwhelming process far more comfortable and straightforward

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 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.

Michael Reid

March 16th, 2026

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.

Jamie Kentwell

November 22nd, 2025

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.

Kim Taylor

October 1st, 2025

Made life very easy and very helpful with any questions i had

Anthony Sfirse

September 24th, 2025

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.

Darren Vella

August 26th, 2025

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.

Jenene Johnson

July 7th, 2025

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.

Nezar Hazim

March 31st, 2025

Great help, from beginning to end

Brendon Skinner

March 3rd, 2025

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.

August 26th, 2024

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.

Mark

August 9th, 2024

Questions we get asked

Ask Your Question

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.

First Home Buyers

Refinancing

Construction Loans

Investment Property

Invest Through Your SMSF with Confidence

Equipment Finance

Vehicle Finance

Medical Equipment

Construction Equipment

Second Mortgages

Bridging Finance

Caveat Loans

Commercial Property

Business Loans

Working Capital

Debtor Finance