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Choosing the right finance option can depend on your goals, structure and circumstances. Have a look at the Lending options we can help with, or If you're unsure which lending solution is right for you, book in a call and we can chat through your situation - obligation free.

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Frequently Asked Questions

A mortgage broker helps you understand your borrowing options and find a loan that suits your needs. Rather than being limited to the products of one bank, I can compare loan options across a broad panel of lenders, taking into account factors such as interest rates, fees, loan features and lending policy.

I can also help you understand your borrowing capacity, structure your application and manage the loan process from application through to settlement.
No. I don't charge a fee. I am paid a commission by the lender when your loan settles, and this does not increase your interest rate or loan repayments.
How much you can borrow will depend on a range of factors, including your income, living expenses, existing debts and credit limits, dependants, available deposit and the lender's individual assessment criteria.

Borrowing capacity can vary considerably between lenders, so the amount one lender is prepared to offer may be different to another. You can use our borrowing power calculator for an initial estimate, or get in touch for a more detailed assessment of your borrowing options.

If you are a First Home Buyer, the deposit you need will depend on the property price, lender and type of home loan. While a 20% deposit can help you avoid Lenders Mortgage Insurance (LMI), many lenders allow eligible first home buyers to purchase with a smaller deposit. Government schemes may also be able to assist you. I can help you understand the options available and how much you may need to save based on your borrowing capacity and property budget.
When you approach a bank directly, you can only consider the loan products and lending policies available from that bank. As a mortgage broker, I can compare options across a broad panel of lenders. This can be particularly important because lenders don't all assess borrowers in the same way – borrowing capacity, credit policy, interest rates and available loan features can vary between lenders.

I also manage the application process for you, from assessing your options and preparing the application through to approval and settlement.
Home loan pre-approval gives you an indication of how much a lender may be prepared to lend you before you purchase a property. It helps establish your budget and shows that you've already taken steps towards securing finance.

In a competitive property market, having pre-approval in place will put you in a much stronger position when making an offer. Vendors and real estate agents may be more confident dealing with buyers who have already had their financial position assessed and are ready to move forward.

Whilst it is not a guarantee, if you're actively looking to buy, having pre-approval in place before you start making offers is an important step.
Yes. Being self-employed doesn't prevent you from getting a home loan, although lenders may assess your income differently from someone who earns a PAYG salary. Depending on the lender and loan type, you may be asked to provide documents such as personal and business tax returns, Notices of Assessment, business financial statements, BAS or business bank statements. Requirements vary between lenders, and some may offer alternative income verification options where traditional financial documents aren't available.

I can compare lenders and their self-employed lending policies to identify options suited to the way your income and business are structured.
Fixed and variable home loans both have advantages, and the right option will depend on what you need from your loan. A variable rate can provide greater flexibility and access to features such as an offset account, while a fixed rate can provide greater certainty over your repayments for a set period. You may also be able to split your home loan between fixed and variable portions to combine features of both. I can compare the available options and help you understand the costs, features and limitations before you decide.
No. As a mortgage broker, I am required to act in your best interests when providing credit assistance.

The lender and loan I recommend must be based on your individual needs, objectives and financial position. It is not allowed to be based on the commission a lender pays. Any commission I receive is also disclosed to you as part of the loan process. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender.
Commercial property loans can be used to purchase or refinance properties such as offices, warehouses, retail premises and other commercial real estate, whether for your own business to occupy or as an investment.

Commercial lending is assessed differently from a standard residential home loan. Depending on the transaction, lenders may consider factors such as the type and value of the property, rental or lease income, the strength of the business or borrower, deposit or available equity and the overall purpose and structure of the loan.

Commercial lending policies and loan structures can vary considerably between lenders, so I can compare available options and help structure the finance around the property and transaction.
SJD finance is based in Sydney, but I work with clients across Australia. The home loan process can be managed remotely by phone, email and video call, so you don't need to be located nearby to work with me.
I have access to a broad panel of Australian lenders, including major banks, non-bank lenders and specialist lenders. Different lenders have different interest rates, loan features, credit policies and assessment criteria, so I can compare available options to identify lenders that may be suitable for your lending needs.