Services
Helping You Get Home, Grow Wealth & Move Forward — One Smart Loan at a Time
Whether you're buying your very first home, trying to fix your credit history, or looking to invest in commercial property, JS Mortgage Hub is here to guide you through it all — with straight-talking advice and smarter lending strategies tailored to your situation.
We’re local. We’re independent. And we’re not here to waste your time.
Bad Credit Support
Your past doesn’t define your future — let’s find a lender who agrees.
Our Support
- First Home Buyer Grant Guidance
- Borrowing Power Assessment
- Deposit Strategy Planning
- Application & Approval Support
- End-to-End Communication
Frequently Asked Questions
How much deposit do I really need in Victoria?
Some lenders accept 5% or even 2% with support schemes — we’ll show you your exact options.
What’s the First Home Owner Grant and do I qualify?
It’s up to $10,000 in VIC for new builds — we’ll check your eligibility and lodge it for you.
Should I get pre-approval before looking at properties?
Absolutely. It strengthens your position and speeds up the process once you find the right place.
First Home Buyers
Melbourne Market Insight
Our Support
Guide for First Home Buyers
Melbourne Market Insight
First home buyers are still entering the Melbourne market in strong numbers — with more people choosing outer suburbs like Clyde North, Craigieburn and Tarneit where affordability is strongest. Paired with low-deposit lenders and the VIC Shared Equity Scheme, it’s still possible to buy smart.
Our Support
We act as your guide, not just your broker. We explain every form, every approval stage, and every grant in real terms. No assumptions. No bank jargon.
Guide for First Home Buyers
From saving your deposit to understanding stamp duty, we’ve got you covered. We’ll also help you avoid common traps like overextending or relying on real estate agents for finance advice.
Our Support
- Rate Comparison with 40+ Lenders
- Cost vs Benefit Breakdown
- Equity Access Strategy
- Loan Health Check
- Smooth Transition
Frequently Asked Questions
How do I know if refinancing will save me money?
We’ll compare your current loan with today’s offers — sometimes saving you $3,000–$6,000 a year.
Can I refinance if my credit score isn’t perfect?
Yes, we work with specialist lenders who accept various credit profiles, even with defaults or late payments.
Is there a cost to refinance?
There can be discharge and setup fees, but we’ll factor those into your savings so you can see the full picture.
Refinance
Melbourne Market Insight
Our Support
Guide to Refinancing
Melbourne Market Insight
In 2025, Melburnians are refinancing in record numbers — often driven by fixed rates ending or equity growth. Many households are switching to loans with better features and cashback offers. We’re seeing strong movement across Wyndham, Casey, and inner-north suburbs.
Our Support
We simplify the refinance journey — from identifying savings to securing approvals. You get updates at every step, and we liaise directly with lenders to remove the admin burden from you.
Guide to Refinancing
Refinancing isn’t just about rates — it’s about features that match your lifestyle. We help you assess if now’s the right time and handle the switch with minimal effort from your side.
Our Support
- Stage-Based Payment Expertise
- Flexible Loan Structuring
- Land and Construction Combo Loans
- Expert Panel of Lenders
- Council & Builder Liaison Support
Frequently Asked Questions
How is a construction loan different from a standard home loan?
Construction loans are drawn down in stages rather than as a lump sum. You only pay interest on the amount used — reducing upfront financial strain.
What documents do I need to apply for a construction loan?
You’ll typically need council-approved building plans, a fixed-price builder contract, your income documentation, and ID. We help gather and submit everything.
Can I use a guarantor for a construction loan?
Yes. Some lenders allow guarantors, especially for first-time builders. This can help if your deposit is low or you want to avoid LMI.
Construction Loans
Melbourne Market Insight
Our Support
Construction Loan Guide
Melbourne Market Insight
Construction is booming across growth corridors like Clyde, Donnybrook, and Tarneit. With government grants and stamp duty concessions still available for new builds, it’s a strong time to secure finance. Build costs are stabilising, and land estates are competing for buyers — now is a strategic moment to act.
Our Support
We act as your guide from pre-approval to slab stage and beyond. We coordinate with your builder, review contracts, and ensure funds are released on time — protecting you from delays or unexpected surprises.
Construction Loan Guide
Step 1: Secure land
Step 2: Finalise building contract
Step 3: Apply with our support
Step 4: Get staged drawdown approvals
Step 5: Monitor progress with our help
Step 6: Convert to permanent home loan
We stay involved through every step to ensure your dream home becomes a reality — not a construction headache.
How we support
- Second Chance Lending
- Low Doc Options
- Non-Conforming Loans Explained Simply
- No Guilt, Just Solutions
- Refinance & Repair Strategy
Frequently Asked Questions
Can I still get a home loan with a default?
Yes — depending on how long ago the default occurred and whether it’s paid. Some lenders specialise in this.
What is a low doc loan?
It’s a loan where you prove your income using alternative documents — ideal for self-employed or seasonal income earners.
Will my interest rate be higher?
Usually yes, but not always. We compare options and aim to help you refinance to a better product in the future.
Bad Credit or Low-Doc Loans
Melbourne Market Insight
Our Support
Guide to Rebuilding Credit & Owning a Home
Melbourne Market Insight
Thousands of Australians struggle with credit issues or non-traditional income — especially in high-cost regions like Melbourne. Access to flexible lenders makes all the difference.
Our Support
We listen without judgment and match you with lenders who focus on today, not your past. Our network includes flexible banks and non-bank lenders.
Guide to Rebuilding Credit & Owning a Home
Understand your credit file
Provide full disclosure
Explore specialist products
Plan your refinance
Rebuild your score with success
How We support
- Flexible Terms for Growth
- Low Doc Commercial Options
- Up to 80% LVR Available
- Startups & SMEs Welcome
- Investment or Owner-Occupied
Frequently Asked Questions
Do I need a full business plan to apply?
Not always. It depends on the lender. Some assess risk based on property income or tenant leases.
How much can I borrow for commercial property in Melbourne?
Anywhere from $100K to $10M+. We’ll assess value, income, and your deposit to guide you.
Can I buy a property through my SMSF?
Yes, we assist with SMSF-lending for commercial property under strict rules. We work with your accountant or planner.
Commercial Loans
Melbourne Market Insight
Our Support
Guide to Buying Commercial Property
Melbourne Market Insight
Industrial zones in the western suburbs, medical hubs in the east, and office decentralisation trends mean commercial property is thriving — with tailored lending crucial for success.
Our Support
We help tradies, professionals, and investors access commercial loans through banks and niche lenders with ease.
Guide to Buying Commercial Property
Define your goal (occupy or invest)
Get your docs in order
Review lender criteria
Secure valuation & loan
Settle & grow your asset
How We support
- Fast Approvals
- No Financials? No Problem
- Chattel Mortgage, Lease or Hire Purchase
- Wide Range of Assets
- Upgrade Flexibility
Frequently Asked Questions
What can I finance under asset finance?
Anything with a serial number! Cars, machinery, office tech, tools, trailers, or even fit-outs.
Is asset finance better than a business loan?
Often yes — it’s faster, more tax-effective, and tied to the asset, not your whole balance sheet.
Do I need a deposit?
Not always. Many lenders offer 100% finance, especially for new equipment or vehicles.
Asset Finance
Melbourne Market Insight
Our Support
Guide to Equipment & Vehicle Finance
Melbourne Market Insight
Trades, construction, delivery services — Melbourne’s economy depends on tools and transport. Asset finance helps local businesses keep moving forward.
Our Support
From electricians to eCommerce brands, we help businesses of every shape secure the tools they need to grow, with transparent finance support.
Guide to Equipment & Vehicle Finance
Choose your asset
Decide on structure (lease, chattel, etc.)
Apply & submit docs
Get fast approval
Collect & scale
