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Yes. MJ Finance and Advisory operates in accordance with Australian financial services and credit legislation. Mortgage brokers in Australia are required to hold an Australian Credit Licence or operate as a credit representative under an aggregator that holds such a licence. We are also bound by responsible lending obligations, which means we are required to make reasonable enquiries into your financial situation and ensure that any loan we recommend is not unsuitable for you. Additionally, we are members of an industry association and are required to meet ongoing professional development and compliance standards. You can have confidence that when you work with MJ Finance and Advisory, you are working with a professional who takes their obligations to clients seriously.

Yes, absolutely. Self-employed borrowers often face a different set of requirements when applying for finance compared to those who receive a regular salary. Lenders typically want to see evidence of consistent income over time, which may include tax returns, business financial statements, and notices of assessment from the Australian Taxation Office. At MJ Finance and Advisory, we have experience working with self-employed clients across a range of industries and understand the nuances involved in presenting a self-employed application in the strongest possible way. We will take the time to understand your business structure and income history so we can identify lenders whose criteria may be suited to your circumstances. Getting in touch early is always a good idea so we can plan accordingly.

In most cases, our mortgage broking services come at no direct cost to you as the borrower. This is because mortgage brokers are typically paid a commission by the lender once a loan settles. We are required by law to disclose any commissions or fees to you upfront, so you will always know exactly how we are remunerated before you proceed. In some circumstances, a fee may apply, and if that is the case, we will always be transparent about this from the outset. We believe you deserve to understand how the process works and how we are paid, so we make it a priority to have open and honest conversations about this with every client.

MJ Finance and Advisory assists clients with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance, equipment finance, and asset finance for business clients. Whether you are purchasing your first home, looking to grow a property portfolio, or seeking finance for your business, we can work with you to explore your options. Every client's situation is different, which is why we take a personalised approach rather than a one-size-fits-all solution. We encourage you to get in touch so we can understand what you are looking to achieve.

Coming prepared to your first appointment can help us get a clearer picture of your financial situation and make the most of your time together. Generally, it is helpful to have recent payslips or proof of income, your most recent tax returns if you are self-employed, bank statements from the past few months, details of any existing loans or debts, and a form of identification. If you are purchasing a property, any contracts or property details you have are also useful. Do not worry if you do not have everything ready straight away. Our first conversation is really about getting to know you and understanding your goals, and we can guide you on exactly what will be needed as we move forward.

When you go directly to a bank, you are only seeing what that one lender has to offer. At MJ Finance and Advisory, we have access to a wide panel of lenders, which means we can look across multiple options on your behalf. This gives you a broader view of what is available in the market rather than being limited to a single institution. We also work for you, not the lender. Our job is to understand your circumstances and help you find a loan structure that suits your situation. We are here to answer your questions, explain your options in plain language, and support you through what can be a significant financial decision.

Not at all. While MJ Finance and Advisory is based in Perth, we work with clients right across Western Australia and throughout Australia. Thanks to technology, we are able to meet with clients virtually, communicate via phone and email, and manage the entire process remotely if needed. Whether you are in regional WA, another state, or even overseas and looking to purchase property in Australia, we are well-equipped to assist you. We believe that where you live should not limit your access to quality finance and mortgage broking services, and we are committed to making the process as accessible as possible for all of our clients.

Refinancing means replacing your existing home loan or other loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, including wanting to access equity in their property, consolidate debts, change their loan structure, or simply review whether their current loan still suits their needs. Whether refinancing is worth considering depends entirely on your individual circumstances, including your current loan terms, your financial goals, and any costs involved in switching. At MJ Finance and Advisory, we can help you review your current situation and explain what refinancing could mean for you, without any pressure to make a decision. We recommend speaking with us before making any changes to your existing loan.

The timeline for a home loan application can vary depending on a number of factors, including the lender, the complexity of your financial situation, and how quickly documentation can be gathered and verified. In general terms, once a complete application is submitted to a lender, formal approval can take anywhere from a few days to a few weeks. At MJ Finance and Advisory, we work to keep the process moving as efficiently as possible by staying on top of your application and maintaining regular communication with the lender on your behalf. We will always keep you updated on where things are at and let you know if anything additional is required. Our goal is to make sure there are no unnecessary delays.

A mortgage broker acts as the go-between for you and a range of lenders, including banks, credit unions, and non-bank lenders. Rather than you having to approach each lender individually, a mortgage broker does the legwork on your behalf. At MJ Finance and Advisory, we take the time to understand your financial situation, your goals, and what you are hoping to achieve. From there, we research loan options across our panel of lenders and present you with options that may suit your needs. We also handle much of the paperwork and communication with lenders throughout the application process, keeping things moving and keeping you informed every step of the way.