0479 067 505 jason@byjfinancesolutions.com.au Suite 2, Level 1, 64 Portman St, Oakleigh VIC

Our Services

Finance solutions structured for every stage of your journey.

From your first deposit to your fourth investment property, the right structure changes at every stage. Here's how we help, and who each service is best suited to.

first home buyer
01

First Home Buyer Loans

Clear, jargon-free guidance from pre-approval through to key handover. We'll walk you through borrowing capacity, deposit requirements and any grants or schemes you may be eligible for, so you go into the process informed rather than overwhelmed.

Pre-approvalFirst Home Guarantee & grants~35% of our clients
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Investment
02

SMSF Lending

Looking to grow your property portfolio? We structure borrowing capacity, equity release and lender sequencing around your next property, not just this one, so today's loan doesn't limit tomorrow's options.

Equity releaseInterest-only structuringMulti-property sequencing
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Refinancing
03

Refinancing

Rates, life circumstances and lender policies all shift over time — your loan structure should keep up. We review your current arrangement and assess whether a different rate, term or lender would genuinely put you in a better position.

Rate reviewDebt consolidationCash-out for renovations
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self-employed-loan
04

Self-Employed Loans

Business owners' income rarely fits a standard payslip template. We work through low-doc and alt-doc pathways, matching you to lenders whose policies genuinely suit self-employed applicants rather than penalise them.

Low-doc & alt-docABN 2yrs+Sole traders & company directors
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trust companies
05

Trusts, Companies & Complex Structures

Lending through a trust, company or multiple related entities is often where other brokers step back — it's where we lean in. With over ten years in complex lending, we structure finance around your asset protection and tax position, not just the loan itself.

Family & unit trustsCompany-held propertyMulti-entity structures
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portfolio building
06

Portfolio Building

Serious about building a multi-property portfolio? We map a staged borrowing strategy across several years, sequencing lenders and structures so each purchase supports the next instead of closing doors on it.

Multi-year strategyLender sequencingSerious investors
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construction
07

Construction / Development Finance

We help developers and property investors access tailored funding designed around the project, its timeline and your financial position. From land acquisition and initial feasibility through to construction funding and staged progress payments, we help simplify the lending process and connect you with suitable finance options.

Land AcquisitionConstruction FundingProgress Payments
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How It Works

Five steps, one point of contact throughout.

Whichever service brought you here, the process stays the same — no hand-offs to a faceless processing team.

01

Discovery Call

A free, no-obligation conversation about your goals, timeline and current financial position.

02

Fact-Find & Strategy

We map your income, assets, liabilities and entities in detail, then shape a lending strategy around your plans.

03

Structure & Lender Selection

We shortlist from our 30+ lender panel based on rate, policy fit, and how the structure supports future borrowing.

04

Application & Approval

Jason prepares and submits your application, liaises directly with the lender, and keeps you updated throughout.

05

Settlement & Ongoing Review

Once you've settled, we stay in touch — reviewing your structure as rates and your goals change.

Track Record

Trusted by clients, driven by results.

98%Approval Rate
30+Lenders on Panel
10+Years Experience
EN/中文Bilingual Service

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Not sure which service fits your situation?

Book a free, no-obligation consultation and we'll help you figure out the right approach before any paperwork begins.