About Us

At JFS Financial Strategists we are big about saving you time and money so you could spend more time on doing what you love. We take over the project from start to finish, through research, reviewing the fine prints, negotiations with lenders and their credit managers, comparing rates and fees to achieve your goals.

• We’ll hold your hand the entire way.
• We’ll keep you updated and walk you through the whole process.
• We’re approachable and down to earth. We are not like that next door banker.
• We like to listen to your grand plan and big dreams. We are all ears.
• We’ll help you to achieve your goals and help you protect your it.

Get in touch with us today!

Jamie Liu JFS

Finance & Mortgage Broker

Jamie Liu

Meet Jamie Liu Owner of JFS Advisory, a leading finance and mortgage broking firm in North Strathfield. Specialising in tailored mortgage solutions with a commitment to honesty, integrity, and client-focused service.

With over a decade of experience in the finance and mortgage industry, I have successfully helped more than 500 individuals and families fund their dream homes, build their investment portfolios. My passion lies in making the complex simple, ensuring that each client secures the best possible terms on their home loans, investment properties, and refinancing needs. My expertise spans across first-time homebuyers, investors managing multimillion-dollar portfolios, and professionals seeking specialised loan structures.

At JFS Advisory, we pride ourselves on being more than just mortgage brokers; we are your partners in financial success. We offer a comprehensive range of loan options, including home loans, investment loans, refinancing, and No LMI loans tailored for industry professionals such as doctors, accountants, and IT professionals. Our deep industry knowledge allows us to navigate complex financial landscapes, providing you with clear, actionable advice that aligns with your goals.

Our office, based in North Strathfield NSW, serves clients across Sydney to Perth Australia Wide, ensuring that no matter where you are, you have access to personalised, transparent, and effective financial solutions. Our commitment to client satisfaction is evident in our 130 5-star Google reviews, where clients praise our availability, personalised service, and dedication to achieving the best outcomes.

I founded JFS Advisory with a powerful business philosophy: always put the customer first. This approach has earned us a reputation as one of the most trusted mortgage brokers in, and it's why our clients return to us time and time again for their financial needs.

Whether you’re looking to purchase your first home, refinance an existing loan, or explore investment opportunities, my team and I are here to guide you every step of the way. We simplify the complex, offer tailor-made recommendations, and provide an experience that’s both stress-free and rewarding.

Contact us today to discover how we can help you achieve your financial goals with confidence and ease.

Angela Foo JFS

Post Settlement Officer

Angela Foo

As the Post Settlement Officer at JFS Advisory, Angela Foo plays a crucial role in ensuring our clients continue to receive exceptional service long after their loan has settled. With a keen eye for detail and a passion for customer care, Angela manages all post-settlement activities, making sure our clients’ needs are consistently met.

Angela is responsible for handling variations and existing customer pricing, ensuring that clients always have access to the most competitive rates. She oversees the annual review process, diligently conducting valuations and property reports to keep our clients informed about their financial standings. Her ability to identify review opportunities not only helps in generating additional revenue but also in enhancing client satisfaction.

Angela is also known for her collaborative spirit, always ready to provide support to her team members and contribute to the overall success of JFS Advisory. Her dedication to excellence ensures that our clients receive continuous support and the best possible outcomes throughout their financial journey.

Shey Gelua JFS

Broker Support Officer

Shey Gelua

Shey Gelua is a meticulous and dedicated Loan Support Officer at JFS Advisory, where her keen attention to detail ensures the smooth and efficient processing of loans from start to finish. With a sharp focus on accuracy and a commitment to excellence, Shey is instrumental in supporting our clients and the team throughout the entire loan journey.

Her responsibilities include managing loan processing in Salestrekker and AOL, issuing essential documents, and providing triage and first response to MIRs and supporting documents. Shey also takes charge of application follow-ups, ensuring that everything progresses smoothly from submission to settlement. Her role extends to archiving compliance documents, where her thoroughness ensures that all processes adhere to regulatory standards.

Known for her proactive approach and exceptional organisational skills, Shey consistently ensures that no detail is overlooked. Her ability to manage complex tasks with precision makes her an invaluable asset to JFS Advisory. She’s always ready to assist her team members, contributing to the overall success and satisfaction of our clients.

Dianne Asinas JFS

Credit Analyst

Dianne Asinas

Dianne is a solution driven Credit Analyst at JFS Advisory, where she plays a vital role in ensuring the accuracy and efficiency of our clients’ financial applications. With a strong analytical background and a deep understanding of the mortgage industry, Dianne excels in researching scenarios and preparing comprehensive application handovers that set our clients up for success.

Her expertise in data analysis and document verification ensures that every application is thoroughly reviewed, with any potential issues identified and addressed early in the process. Dianne also focuses on serviceability assessments, keeping herself constantly updated on the latest policies and rates to provide the most accurate advice and support.

In addition to her analytical duties, Dianne liaises closely with Bank Business Relationship managers and Credit Assessors, fostering strong relationships that help streamline the approval process. Her collaborative approach and willingness to assist her team members make her an invaluable asset to JFS Advisory.

Dianne’s commitment to excellence ensures that our clients receive the best possible outcomes, with every detail carefully considered and expertly handled.

Cookie the Corgi JFS

Chief Fun Officer

Cookie the Corgie

Cookie, our happy face has an insta page, follow Cookie on his instagram  

https://www.instagram.com/cookielovessmiling/

Ready to chat to one of our team?

Our Recent Reviews

Very professional and straightforward, gets job done in no time

Minh Nguyen

Absolute legend to deal with, no major issues encountered and they took care of business

Tyrone Wills

Jamie and the team at JFS Financial Strategists made the mortgage pre-approval process smooth and stress-free. He was efficient and completed everything quickly, which significantly eased the pressure. Highly recommend working with him for any mortgage needs.

Catherine Piasini

I've had some less-than-ideal experiences with brokers in the past, but Jamie and the team at JFS Financial Strategists were a refreshing change. They actioned our request with impressive speed and took the time to explain everything in detail, yet in a way that was easy to understand. Their professionalism and clear communication made the whole process smooth and stress-free. Highly recommend!

Keiran Piasini

Frequently Asked Questions

How Much Deposit Should I Have?

Most lenders will require a 20% deposit for home loans and processing fees. That’s why we suggest having at least a 20% deposit so we can better negotiate the rates for your loan.

Otherwise, we can look for other solutions such as a Family Guarantee or government grants such as the First Home Loan Deposit Scheme (FHLDS).

How Much Will Getting a Home Cost?

Here is the breakdown of costs in processing or buying a new home. Note that your real estate broker may have more or fewer requirements and fees depending on several factors.

- Home loan deposit (we recommend a 20% deposit if you don’t have government schemes in place)
- Legal fees
- Lenders’ Mortgage Insurance (LMI), although we can help you negotiate for an 80% LVR with no LMI for home loans depending on your financial position.
- Lender’s Establishment Fees for Specialist Loans

Furthermore, your local council may require you to pay the following fees:

- Government Registration & Transfer Fees
- Due Diligence Fees (pest inspection, strata report, etc.)

Aside from legal and lending fees, you should also note labour costs, moving, and furnishing your new home. Don’t forget about living expenses and your monthly mortgage repayments.

What if I Can’t Make the 20% Loan Deposit?

Usually, you only need to have a minimum deposit of about 5-10% of the property value to purchase it.

But if you still don’t have that amount, we recommend opting for a family guarantee, especially if your parents have considerable equity in their property. Otherwise, paying for LMI should help you get finance as long as you and the house you want to purchase are eligible.

Why Do I Need a Mortgage Broker for Property Investing?

Having a time-tested and proven mortgage broker can help you:

- Thoroughly assess and determine your borrowing capacity.
- Understanding what documents you need to prepare when buying a property
- Make sure you have enough equity and set an appropriate property budget.
- Develop a long-term and sustainable financing strategy
- Establish a sustainable and reliable financing strategy
- Take you through different partner specialists (solicitors, tax and depreciation experts, mortgage brokers, and buyer agents)

Property investors should also walk away with an improved loan portfolio with our help at JFS Financial Strategists.

How Can I Tell if Property Investing Works for Me?

Before venturing into property investing, make sure you have:

- Extra cash flow after deducting living expenses and outstanding debts
- Saved enough equity or deposit in a property.

Besides, remember that investing incurs varying risks. So we recommend having an investor’s mindset and trying to mitigate the risks of investing by looking into what you will earn in an investment property.

That means going out of your way to make several enquiries just to ensure what you’re venturing into is right for you.

What is LMI or Lenders’ Mortgage Insurance?

When applying for a home loan, you should hear the term LMI or Lenders’ Mortgage Insurance from your bank or broker.

You pay your insurance provider a one-time fee when applying for loans above a specified Loan to Value Ratio (LVR).

LMI is required when the bank or lender is exposed to higher risk on your loan. What happens when you’re borrowing more for less deposit.

If you default on the loan and the bank sells the property at a loss, the LMI insurer will reimburse your lender for the loss. On your end, that means you can borrow more and purchase higher-valued properties. The only con is that you need to pay an LMI fee which increases along with LVR and loan amount.

Who Are We?

At JFS Financial Strategists we are big about saving you time and money so you could spend more time on doing what you love. We take over the project from start to finish, through research, reviewing the fine prints, negotiations with lenders and their credit managers, comparing rates and fees to achieve your goals.

How Much Amount Can I Borrow?

The amount and Loan to Value Ratio (LVR) you can borrow will depend on your capacity to repay the loan. In other words, your net income is gross income minus tax and other expenses you need to make.

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