Residential Mortgage Finance

Comprehensive mortgage solutions tailored for homeowners and investors alike. Access 60+ lenders to find your perfect loan.

Your Home Loan Experts

Finding the right home loan can feel overwhelming with so many options available. That's where we come in. As experienced mortgage brokers, we simplify the process by doing the research for you and presenting the best options for your situation.

With access to over 60 lenders – from major banks to specialist lenders – we can compare hundreds of products to find the one that truly fits your needs. Our goal is to save you time, money, and stress.

  • Access to 60+ lending institutions
  • Specialist in self-employed borrowers
  • Free service in most cases
  • Support from application to settlement
Home Loans

Loan Types We Specialize In

Whatever your situation, we have experience finding the right loan for you.

First Home Buyers

Navigate the property market with expert guidance, access first home buyer grants, and find competitive rates.

Investment Loans

Build your property portfolio with loan structures designed for investors, including interest-only options.

Refinancing

Review your existing loan to ensure you're getting the best rate and features for your current situation.

Self-Employed

Specialist solutions for business owners, contractors, and those with non-standard income documentation.

Simple Steps to Your Home Loan

Our streamlined process makes getting your home loan simple and stress-free.

1

Initial Consultation

We discuss your goals, assess your situation, and outline your options.

2

Loan Comparison

We compare products from 60+ lenders to find your best match.

3

Application

We prepare and submit your application with all supporting documents.

4

Approval & Valuation

We manage the approval process including property valuation.

5

Settlement

We coordinate settlement so you can move into your new home.

Why Choose NJS Financial?

Experience the difference of working with mortgage specialists.

60+ Lender Access

Compare home loans from over 60 lenders including major banks, credit unions, and specialist lenders to find your best deal.

Self-Employed Specialists

Expert knowledge in securing home loans for business owners, contractors, and those with complex income structures.

Tailored Solutions

Every situation is unique. We structure loans to match your specific circumstances, goals, and future plans.

What Our Clients Say

"Nick made the entire process seamless. As a self-employed contractor, I thought getting a home loan would be difficult, but Nick found the perfect solution."

MC
Michael Chen
Business Owner

"We were nervous about buying our first home, but Nick guided us through every step. His patience and knowledge made all the difference."

J&LR
James & Lisa Roberts
First Home Buyers

Frequently Asked Questions

We arrange all types of residential mortgages including first home buyer loans, investment loans, refinances, construction loans, and bridging finance. Whether you're a first-time buyer or experienced investor, we have solutions for you.
Absolutely – this is our specialty. We understand the unique challenges self-employed borrowers face and have extensive experience with low-doc loans, alt-doc options, and specialist lenders who understand business income.
In most cases, our service is free to you. We receive a commission from the lender when your loan settles. For complex situations that require additional work, we'll discuss any fees upfront before proceeding.
Borrowing capacity depends on your income, expenses, existing debts, and the property you're buying. Use our Borrowing Capacity Calculator for an estimate, or book a consultation for a detailed assessment.

Get In Touch!

Ready to take the next step? Our team is here to help you navigate your financial journey. Reach out today for a free consultation.

Call Us
+61 468 474 880
Email Us
info@njsfinancial.com.au
Visit Us
Suite 180, Level 24, 3 International Towers
300 Barangaroo Avenue, Sydney NSW 2000

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