Are you looking to buy your first home or maybe your next home?

We provide quality lending services for you: A complete end to end transaction from intitial contact to your moving in date.

We work to understand you and your unique situation and match you to the best suited lender and loan.

Our approach is honest and flexible, which means we can tailor our approach to your specific needs in an efficient and transparent way.


As a self-employed customer you’re offered the same interest rates and features as customers earning a salary. And the same criteria is used to determine how much you can borrow and the deposit you need.

The big difference if you’re self-employed is how you demonstrate your taxable income.  Our team will help you understand your business cash flow, taxable income, and what other information you need to have ready to apply for a home loan.

It’s a good idea to have these things ready:

  • Any tax return, notice of tax assessment, profit and loss statement, and balance sheet for your business covering the last 12 months;
  • The last 12 months of personal tax returns; and
  • Proof that your ABN has been registered for at least two years.



Do you already have a home loan but want to know if there’s a better deal out there for you?

By using our industry experience combined with leading research and software solutions we will quickly identify the lender best suited to your needs based on interest rate, product offering, packages and anything else that fits in with your financial goals.



Are you interested in property investment?

There are many different property investment scenarios and we will work with you to understand what you want to achieve and determine if property investment is the best option for you based on your circumstances and budget.

We will guide you using our industry knowledge and software solutions to realise your investment strategy with you.


A Self-Managed Super Fund (SMSF) loan is a great option if you are not able to buy an investment property outright. With limited lending options and many major lenders no longer in this space it is crucial to get the decision making right and with our experience and expertise this is a smooth task to complete. We have extensive knowledge and excel in doing these for clients when many brokers choose not to write the loans due to the effort involved.



Looking for other financial services?

We have access to a network of providers that can assist with buyer services for cars and car finance, insurance for residential and landlords or financial advisory services.  These referrals are all to business partners we use ourselves with no obligation.

Save time and energy by trusting a professional with industry experience and knowledge to get you the best deal from the best lender for you




Home Lending





Self Employed



JT Home Loans
20/107 Wells Road
Chelsea Heights VIC 3197


PO Box 12040
Carrum VIC 3197