Mortgage Broker in Brisbane for Home Loans, Refinancing & LMI Waivers
Home loans, investment property finance, refinancing and professional LMI waivers, structured by an FBAA and MFAA accredited broker with access to an extensive lender panel (including boutique, wholesale and non-bank lenders).
Why Use a Brisbane Mortgage Broker?
Walk into your bank and you'll be offered their loans, that's all they can show you. As a broker I compare across a range of lenders, from the big four down to non-bank lenders most borrowers have never heard of. That matters most when your situation isn't vanilla: say you're a self-employed sparky two years into an ABN, or a GP wanting to borrow at 90{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d} without paying LMI. Different lenders price those borrowers very differently, and knowing which door to knock on first is most of the job.
Having personally gone through the process of buying a first home, purchasing an investment property and later managing both as investments, JB understands that property finance is not just about getting approved. It is about structuring the loan properly, planning ahead and making sure the finance still works as life changes.
Working with a local Brisbane broker means your adviser understands the Queensland property market, including suburb-specific valuation patterns, local lender appetite and the timing realities of buying or refinancing in South East Queensland.
A broker saves you significant time. Rather than researching and applying to multiple lenders yourself, JB manages the research, comparison, application and lender communication from your first conversation through to settlement. Importantly, JBF Solutions is remunerated by lenders via commission when a loan settles, meaning there is no direct cost to you for the broking service.
Ready to see what's possible for your situation? Book a no-obligation strategy call with JB, no cost, no commitment.
Areas We Serve
JBF Solutions is based in Brisbane's inner east and works with home buyers, investors and refinancers across Bulimba, Balmoral, Hawthorne, Morningside, Cannon Hill, Norman Park and Seven Hills (4170–4171), through Murarrie, Tingalpa and Tingalpa DC (4172–4173), and across Camp Hill, Carina, Carina Heights and Carindale (4152). Knowing how these suburbs are valued and how lenders treat them is part of the local picture JB brings to every application. Clients further afield are equally welcome: JBF Solutions arranges lending Brisbane-wide and Australia-wide by phone or video.
🏠Home Lending Structured Around Your Situation
Choosing a home loan or investment loan is one of the most significant financial decisions you'll make. The right structure (rate, features, lender, term) can save tens of thousands over the life of the loan. The wrong one can restrict your options for years.
JB Fremy starts with your goals and works backwards to find the lender and product that fits. With access to an extensive lender panel and FBAA and MFAA accreditation, the recommendation you receive is professional, accredited and shaped by your best interests not by any lender's sales targets.
Work with an accredited finance broker recognised by FBAA and MFAA.
JBF Solutions operates under Credit Representative No. 568424 and AFCA Member 114903, giving you confidence in the professional standards in place.
Book a ConsultationMortgage Broking Services
From first home buyers to experienced investors and professionals, JBF Solutions structures home lending across a wide range of situations and borrower types.
Home Purchase Loans
Whether you're buying your first home or upgrading to your next, JB structures your loan to suit your cashflow, deposit position and long-term plans, comparing products across an extensive lender panel.
Investment Property Finance
Investment loans require a different structure to owner-occupier lending. JB considers interest-only periods, tax efficiency, portfolio structuring and lender appetite for investment exposure.
Refinancing
If your current loan no longer serves your goals (rate, features or lender), JB analyses your situation, identifies a better structure and manages the refinance process from start to settlement.
Professional LMI Waivers
Medical professionals, lawyers, accountants and other qualifying professionals may be eligible for Lenders Mortgage Insurance waivers, allowing higher LVR lending without the LMI cost. JB knows which lenders offer this and how to access it.
Construction Loans
Construction financing differs fundamentally from a standard home loan. Rather than receiving the full loan amount at settlement, funds are released in progressive drawdowns, aligned to each stage of the build (slab, frame, lock-up, fixing and completion). During the construction period, you typically make interest-only repayments on the amount drawn down, with repayments increasing as more funds are released. Once construction is complete, the loan converts to a standard principal-and-interest mortgage. Lenders assess construction loans differently, builder registration, fixed-price contracts and council-approved plans are typically required. JB manages the application, drawdown schedule and lender communication throughout the build.
Equity Release & Restructuring
Equity built in an existing property can be a powerful asset. JB helps clients access equity for renovation, investment or other strategic purposes, structured in a way that doesn't overextend.
Mortgage Broking for Individuals, Investors and Professionals
JBF Solutions works with a broad range of mortgage clients, from first-time buyers navigating the market for the first time to experienced investors building portfolios and professionals with specialist lending needs.
JB also welcomes French-speaking home buyers a he's bilingual, so if your home-loan questions come more easily en français, ask them that way.
First Home Buyers in Brisbane
Queensland's First Home Owner Grant provides eligible first home buyers with a one-off grant for new or substantially renovated properties. Stamp duty concessions may also apply depending on the property value and buyer status, though these thresholds and conditions are subject to change, so it's important to get current advice. In the current Brisbane market, saving a meaningful deposit remains a significant challenge; most lenders require at least 5–10{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d} genuine savings, with 20{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d} needed to avoid Lenders Mortgage Insurance. JB will walk you through what to bring to the first conversation, including payslips, tax returns, bank statements, a list of any existing debts and an honest picture of your current deposit position. The earlier you engage, the more time JB has to help structure your position for lender approval. Start the conversation with JB.
Buying your first home can feel overwhelming because every decision feels important. JB has been through that process himself and understands the uncertainty around deposits, loan options, repayments, approvals and what happens after settlement.
JB has also experienced the transition from owner-occupied property to investment lending. This gives him a practical understanding of how loan structure, cashflow, tax considerations and future borrowing capacity can become more important as your property journey evolves.
Professional LMI waivers, income treatment for variable earnings and lenders who understand how professional income is structured.
Self-employed lending isn't just about documentation; it's about understanding what's actually in the financials. JB reads P&Ls and balance sheets the way a credit analyst does, which means he knows before the lender does whether an add-back will fly.
How Mortgage Broking with JB Works
JB takes the time to understand your goals, financial position, timeline and any specific requirements before looking at any products.
A clear picture of your borrowing capacity, realistic purchase ranges and any lending constraints, before you begin making offers.
JB researches the lender panel, shortlists the best-fit options and presents a clear comparison, with reasoning, not just numbers.
JB manages the application process, liaises with the lender and keeps you informed at every stage through to formal approval.
Support through to settlement and ongoing review to ensure the loan continues to serve your goals as your situation changes.
Want to understand how current rates affect your lending options?
Book a strategy call with JB. No cost, no obligation, just a clear conversation about your options.
Book a Strategy Call with JBMortgage Broking FAQ
Estimate Your Borrowing Power
Before you start looking at properties, get a ballpark figure. Our borrowing power calculator uses an APRA-style serviceability buffer and HEM expense benchmarks, the same framework Australian lenders apply. No email required.
- Results appear on-page, no account needed
- Includes LVR calculation and LMI indicator
- Built for Australian conditions, Brisbane broker insights
Ready to Explore Your Home Loan Options?
Book a no-obligation strategy call with JB Fremy. Accredited with FBAA and MFAA, and with access to an extensive lender panel, JB finds the loan that fits your goals.
FBAA Accredited · MFAA Accredited · Credit Rep No. 568424 · AFCA Member 114903
For every eligible home loan of $300,000+ we settle, where the property or borrower is in an eligible suburb, JBF Solutions donates $200 to the Bulimba Community Centre. One donation per borrowing entity. Funded by JBF, never added to your loan. See full criteria →