FAQs
What documents do I need to apply for a loan?
We’ll provide you with a full checklist tailored to your situation, but most lenders will ask for proof of identity, income (like payslips or tax returns), bank statements, and details about any debts or assets. We manage this part for you to make the process smooth and stress-free.
How much deposit do I need for a home loan?
This can vary depending on the lender and the type of loan. Many of our clients secure loans with a 5–10% deposit, especially first-home buyers using government support. We’ll walk you through exactly what you need and explore all your available options.
What makes JB Home Loans different from going directly to a bank?
We’re not tied to one lender. With access to over 35 lending institutions, we match your unique needs to the right loan and lender. More importantly, we handle the entire process for you—from application to settlement—working with your lender, agent, solicitor, and builder to make sure nothing slips through the cracks.
Can I still get a loan if I’ve had credit issues?
Yes. Our experience allows us to manage possible qualifying problems or past credit issues. We’ve helped many clients who were told “no” elsewhere by finding a lender that suits their situation.
What if I’m self-employed?
We regularly assist business owners and self-employed clients who don’t always fit traditional lending criteria. We understand how to present your income and financials to lenders who support self-employed borrowers.
Do you help with investment loans too?
Absolutely. We specialise in investment lending and can structure your loan in a way that supports long-term wealth-building. This includes strategies around tax-effectiveness, equity use, and structuring your repayments for future growth.
What is SMSF lending and can I do it through JB Home Loans?
Yes—we guide clients through the process of purchasing property using their Self-Managed Super Fund. SMSF lending requires a specific structure and clear compliance with government regulations. We work closely with your accountant or financial adviser to ensure everything is done correctly.
Can you help with refinancing?
Definitely. We assess your current loan, compare it with what’s available across our lender panel, and identify opportunities to reduce your repayments, consolidate debts, or access equity. The goal is to ensure your loan still works for you—not the other way around.
How involved is JB Home Loans in the loan process?
We manage everything for you, end to end. From finding the right loan to dealing with the lender, agent, solicitor, and builder—we make the whole process seamless. We pride ourselves on clear communication, consistent updates, and keeping things moving until settlement and beyond.