Whether you're wanting a new vehicle, plant or machinery, we're on your side

At JFS Financial Strategists, we understand the crucial role that equipment plays in the success of your business. Whether you're looking to buy new equipment or upgrade existing machinery, having the right financial support is essential. As experts in the field, we provide comprehensive equipment finance solutions to meet the diverse needs of businesses in Strathfield, Sydney's Inner West, and across Australia.

One of the key aspects of our service is helping you access equipment finance options from banks and lenders across Australia. We know that every business is unique, and so are its financial requirements. Whether you need office equipment, work vehicles, or specialised machinery such as trucks, trailers, excavators, tractors, graders, cranes, or dozers, our team can guide you through the process of applying for equipment finance. We simplify the journey by offering a streamlined application process that ensures you get the most suitable loan options for your business needs.

When considering equipment finance, it's vital to understand the types of finance options available. A popular choice among businesses is a chattel mortgage, where the equipment you purchase serves as collateral for the loan. This option often comes with fixed monthly repayments, allowing you to manage cashflow effectively over the life of the lease. Another common method is Hire Purchase, which enables you to use the equipment while making regular payments until the loan amount is fully repaid. Both options come with their own set of benefits and can be tailored to suit your specific financial situation.

Interest rates and loan amounts are critical factors to consider when applying for equipment finance. Our experienced team at JFS Financial Strategists will work closely with you to secure competitive interest rates and favourable loan terms. We leverage our extensive network of financial institutions to find solutions that align with your business objectives and budget. This means whether you're investing in new factory machinery or upgrading your fleet of work vehicles, you can do so with confidence knowing you have the best possible financial support.

Commercial equipment finance is not limited to large-scale machinery; it also covers essential office equipment that keeps your business operations running smoothly. From computers and printers to specialised software and telecommunications systems, we help you find finance options that fit within your budget while ensuring you have the tools needed for productivity and growth.

At JFS Financial Strategists, we believe in empowering businesses to achieve their goals through flexible and affordable finance solutions. Our team is committed to understanding your unique business needs and providing tailored financial advice. We take pride in offering a personalised service that goes beyond merely securing a loan; we aim to build long-term relationships with our clients by supporting their financial wellbeing at every stage.

To summarise, JFS Financial Strategists is your go-to partner for all your equipment finance needs in Strathfield, Sydney's Inner West, and beyond. Whether you're buying new equipment, upgrading existing machinery, or need commercial equipment finance for office essentials, we offer a range of loan options designed to suit your business requirements. Contact us today to discuss how we can help you secure the best finance options available and take your business to new heights.

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Our Recent Reviews

Jamie is a professional broker who helped us with getting or loan documents for our next purchase he is very dedicated to his job and always try to resolve any difficulties many thanks Jamie

John Ta

Very professional! Quick response and always give us the best competitive interest rate. Highly recommended!

Emily Nguyen

I can’t recommend Jamie highly enough! From start to finish, he made the entire process of securing a mortgage for our new property seamless and stress-free. Jamie was incredibly knowledgeable, professional, and always available to answer any questions we had along the way. What stood out the most was his dedication to finding the best rates and terms for us while ensuring we understood every step. They went above and beyond to simplify what can often feel like an overwhelming process, providing clear guidance and constant updates. Thanks to his expertise and personalized approach, we were able to close on our first IP without any hiccups. Thank you for making this milestone such a positive experience!

Praveen Sagar Cheerla

Jamie and his team was honestly efficient in helping us dealing with my father first investment property. They were knowledgeable and supportive throughout the whole process. He made sure we understand every steps of the way and was always available to answer many of our questions. Thank you guys. Highly recommended!

Helen Lam

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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