The Financial Artist Who Designs your Future

    Your Residential & Commercial Lending Specialist


JL Financial & Co. treats your loans & mortgages as an art form put passion & life to design your future as a financial artist.

We can find the very best loan that meets the clients needs & helping them through the process from end to end, hope to inspire clients to take control of their finances & their lives, through small changes, that will help them achieve financial freedom & life they have dreamed of.

What We Are Specialised At

First Home Buyer

Is this your first home buying? we will help you to find the best home loan option. Struggling to save 20% deposit? there are solutions to borrow upto 97% with particular banks.  Also will support you applying for First Home Owner Grant of $10,000 (NSW) 


Where your money is going? if you have not yet refinanced your property.  Do not miss out the lowest ever interest rate upto 3.54%, equity access by cash out from exisiting mortgage for your future investment, benefit of bank's rebate upto $6,000* if you refinance from one to other or new purchase

Property Investment

Do you own a owner occupied property? and has gone up its value recently? Its perfect time to consider property investment for your future, you can borrow upto 103% without any cash deposit

Construction Loan

When it comes to building a new home, it’s important to make sure you have the right financial foundations in place to make sure your home building journey is as smooth as possible. A construction loan is a finance product that allows you to purchase a vacant block of land to construct a home instead of buying a complete property

Commercial Mortgage

Looking to purchase commercial properties? if the property value is less than $1.25 million you can borrow up to 80%, we can provide tailered solution to save your cash deposit and costs involved

Car & Equipment Finance

Fast easy car & equipment finance, gaurantee lowest interest rate for you. New or seond hand vehicle, machinary and equpment finance on cheapest interest rate ever!

Personal & Business Loan

Simple fee structure, flexible loan term, low cost and lowest interest rate, easy and fast application procedure personal & business loan


Home building and contents Insurance, Landlord Insurance, Motor vehicle Insurance, Caravan & Trailer Insurance. Special benefit of up to 90days FREE building insurance during settlement, 1 yr FREE roadside assistance

Why Us?

No cost to you

Our home loan service is at no charge to our customers because the lenders pay JL Financial & Co. a commission on home loan settlement. This doesn't affect the deal you get from the lender. Lenders receive a lot of business through brokers, so they work closely with us and offer great deals to our customers.

The right loan for you

This means you can tap into your broker's expertise at no charge and save yourself time and hassle looking for the right home loan option, with peace of mind that your JL broker has your best interests at heart. We provide free valuation and credit report which means that we know what the bank thinks your property is worth before applying with them.


Why Use Us?

We are specialised in helping clients in complex financial situations and those who do not meet standard bank policy. This is why we make sure that we take your full situation into account and provide a complete solution. We are dealing with over 30 different lenders so you can be confident about getting your home loan approved and not damaging your credit file.


Owner occupied

Principal & Interest Variable



Principal & Interest Variable


cash Rebate on refinance


borrow up to 97% LVR 

Inclusive of LMI


Our Lenders



We compare over 40 lenders to find you a great home loan deal and negotiate a competitive rate.

We'll do all the paperwork and running around, with expert advice at no cost to you.

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