Buying or renovating a home on the Mornington Peninsula is one of the biggest investments you’ll ever make. And if you’re like most people, you’ll need a suitable mortgage to finance your investment.

But with so many lenders and products to choose from, navigating the complex home loan market can be confusing. It can also take up countless hours of your time; time you’d rather spend with your family or doing the things you love.

The good news is, Jaya Finance & Mortgages can take the hassle out of finding a home loan. We’re experienced finance brokers with in-depth knowledge of the home loan industry. And we’ve been helping clients achieve their dream home and lifestyle for more than 20 years.

We’re as invested in your journey of buying or renovating your home as you are. So we’ll make it our mission to find you the best suited loan for your unique needs and goals.

• Renovation loans

  Already own a home you’d like to improve or upgrade? Great. Home renovation and garden landscaping is an excellent way to achieve your dream home without paying hefty fees for stamp duty and moving. It can also help add value to your home.

  There are various ways to finance your home renovation. We'll talk you through your choices and find the best solution for you.

• General home loans

  Buying a new home on the beautiful Mornington Peninsula is an exciting time for anyone.
  And whether you’re a first home buyer or a seasoned property buyer, finding the right loan is crucial.

  We’ll sit down with you to understand your goals, situation and existing knowledge of the home loan landscape. Then we’ll compare mortgage products from our panel of lenders and recommend the most competitive products with the features you need.

• Refinance loans

  There are plenty of reasons you might choose to refinance your home on the Mornington Peninsula. You may be looking for a lower interest rate or more valuable loan features. You might want to use the equity in your home to invest or be looking to consolidate debt into a single payment.

  Whatever your goal, we’ll find the right refinance loan for you.

• Investment loans

  Buying an investment property can be an excellent way to generate income and grow your wealth. But property investment loans can be harder to get than basic home loans, so it pays to have an expert guide you through the process.

  We have plenty of experience with investment loans, and we can help you navigate the tricky investment loan process and strict lending criteria.

• Self-managed superannuation fund loans

  If you’re a Mornington Peninsula resident with a self-managed superannuation fund, we can help you buy property through your fund to boost your retirement income.

  Securing this type of loan can be more complicated than getting a basic home loan with most lenders leaving the self-managed superannuation fund market. We still have access to lenders to secure self-managed superannuation fund mortgages and we’ve helped many clients achieve this goal, and will ensure we find the best outcome for you.

• Home loan pre-approval

  We can organise a home loan pre-approval for you, giving you a clear idea of how much you can borrow before you start your property search. This means no wasted time looking at properties beyond your budget. A pre-approval can also come in handy if you’re buying at auction and need certainty about your limit.

Our panel of lenders

We’ll compare hundreds of loan products from our panel of more than 30 banks, finance companies and private lenders to find the best home loan for your goals and needs.

Book your free mortgage consultation to discover how we can help you achieve your financial goals.