Mortgage Broker · Melbourne's Northern Suburbs

Mortgage broker for Melbourne's northern suburbs.

Tailored home loan solutions from pre-approval to settlement — whether you're buying your first home, refinancing, building, or investing. Clear advice, quick responses, no jargon.

⭐ 10 years' finance experience 🏅 MFAA member 🏦 Accredited with 35+ lenders ⭐⭐⭐⭐⭐ 5.0 from 23 Google reviews
How it works

Four steps from first chat to settlement.

No jargon, no pressure — just a clear path from where you are now to where you want to be.

1

Free initial chat

We talk through your goals, your current situation and what you're trying to achieve — no obligation, no pressure.

2

We compare the market

I compare options across my panel of 35+ lenders and explain the differences in rate, fees, features and policy in plain English.

3

We handle the application

Once you've chosen a direction, I manage the paperwork and liaise with the lender, so you're not chasing anyone yourself.

4

Settlement — you're done

From approval through to settlement, I stay across the process and keep you updated at each step.

See The Full Process →
What I can help with

Home loan solutions, explained in plain English.

01

First-Home Buyer Loans

Buying your first home comes with a lot of questions — borrowing power, deposit size, grants and lender requirements. I'…

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02

Refinancing

If your fixed rate is ending, your rate has increased, or you simply haven't reviewed your loan in a while, exploring a …

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03

Investment Property Loans

Structuring an investment loan correctly is crucial for success. I help investors compare principal & interest, inte…

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04

Construction Loans

Building your own home comes with its own finance process — progress payments, valuations at each build stage, and lende…

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05

Guarantor Loans

Family guarantee loans can help eligible buyers get into the market sooner by reducing the deposit needed or avoiding le…

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Why work with JNT Finance

A broker who's actually on your side.

01

Stop paying the loyalty tax

New customers often get better deals than the ones who've been paying on time for years. Worth checking if that's happening to you.

02

Clear advice, no jargon

Every option explained in plain English, so you're deciding with full information, not guessing.

03

One point of contact

I compare the market and handle the paperwork, so you're not chasing multiple lenders yourself.

04

Guided every step, especially for first home buyers

Buying your first home comes with a lot of unknowns. I'll walk you through the whole journey from pre-approval to settlement, explaining what's happening at each stage and answering every question along the way, so you're never left guessing.

What clients say

Trusted by homeowners across Melbourne's north.

“

As a first home buyer, James was a great help in explaining the process from start to end. He was always available to answer questions (big or small) and nothing was too much trouble. Would highly recommend JNT Finance for anyone going through the home buying journey.

— First home buyer client, JNT Finance

“

Talk about streamline! James was simply a joy to have by our side throughout the purchase of our first place, his shining professionalism shown at every stage in the process. James went above and beyond what I presumed the standard for a broker was — I now have a much higher bar set for a standard! From offering to help with agent communication, to explaining aspects of home finance that we were not as educated on, and most importantly making sure we felt like we were making the best possible decision for our future, James handled our case in a way in which we felt like he truly cared for our result. The stress of buying was absolutely minimal here. Cannot recommend JNT highly enough! Thank you James.

— First home buyer client, JNT Finance

“

I recently worked with James on refinancing my mortgage, and I couldn't be happier with the experience. From start to finish, the process was incredibly smooth and efficient. I highly recommend James for anyone looking for a reliable and professional broker who truly has your best interests at heart.

— Refinance client, JNT Finance

Frequently asked questions

Quick answers before you get in touch.

What does a mortgage broker do?

A mortgage broker compares home loan options from multiple lenders and helps you choose a loan structure that suits your goals, income, deposit and future plans.

Why should I use a mortgage broker instead of going directly to a bank?

A bank can only offer its own loan products. A mortgage broker can compare options from multiple lenders and help explain the differences in rates, fees, features and policy.

How much deposit do I need to buy a home?

The deposit needed depends on the lender, property price, income, credit history and whether lenders mortgage insurance applies. Some buyers may be able to purchase with a 5% deposit.

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Free, no-obligation strategy session.

Talk through your situation with a broker who compares the whole market for you — there's no cost and no obligation.