Whether it's to purchase a property, equipment or business, we're here to help

At JFS Financial Strategists, we understand that navigating the world of business loans can be a complex journey. Whether you're in Strathfield, Sydney’s Inner West, or anywhere across Australia, our goal is to simplify the process for you. We offer access to a range of Business Loan options from banks and lenders across Australia, ensuring you find the perfect fit for your financial needs.

When considering a business loan, there are several key factors to keep in mind. Firstly, understanding the different loan structures available is essential. We offer both secured and unsecured Business Loans, each with its own set of benefits. Secured loans might involve collateral such as property or equipment, which can often result in lower interest rates. On the other hand, unsecured loans do not require collateral but may come with slightly higher interest rates. It’s important to weigh these options carefully based on your specific circumstances and financial goals.

The interest rate is another crucial aspect of business loans. You can choose between variable interest rates, which can fluctuate over time, or fixed interest rates, which remain constant throughout the loan term. Variable rates might offer more flexibility and potential savings if market rates drop, while fixed rates provide stability and predictable repayments. At JFS Financial Strategists, we help you understand these differences and select the most suitable option for your business.

The loan amount and repayment terms are equally important considerations. Whether you need funds to purchase a property, buy a business, purchase equipment, or cover unexpected expenses, we ensure that the loan amount aligns with your requirements. Flexible repayment options are available to suit your cash flow and working capital needs. This might include features like progressive drawdown, where funds are released in stages as needed, or a revolving line of credit that allows you to access funds up to a certain limit and repay as you go.

Applying for a business loan can feel daunting, but our streamlined application process is designed to make it as straightforward as possible. We guide you through each step, from gathering necessary documentation to submitting your application and receiving approval. Understanding the criteria lenders use to assess applications is part of our service, ensuring you are well-prepared and informed throughout.

An essential part of our offering is the flexibility in loan terms we provide. Whether you prefer shorter terms for quicker repayment or longer terms for lower monthly repayments, we tailor solutions to fit your business model. Options such as redraw facilities allow you to access extra repayments if needed, providing additional financial flexibility.

To summarise, JFS Financial Strategists is committed to helping businesses in Strathfield, Sydney’s Inner West, and across Australia find the right Business Loan solutions. From understanding loan structures and interest rates to navigating the application process and selecting flexible repayment options, we are here to support you every step of the way. Contact us today to explore how we can assist in meeting your business financing needs and achieving your financial goals.

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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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