Professional Guidance and Personalised Loan Solutions for Every Step of Your Financial Journey
Grow your property portfolio with strategic investment loans.
Grow Your Investment PortfolioHelping you get into the property market with a smaller deposit.
See Low-Deposit OptionsFinance solutions for buying or investing in commercial real estate.
Finance Commercial PropertyTap into the equity in your home to achieve your financial goals.
Access Your Home’s EquityUnlock income from your home’s equity during retirement.
Explore Reverse MortgagesTurn your home loan into an investment engine by recycling debt strategically.
Learn About Debt RecyclingBefore considering a reverse mortgage, please read the Reverse Mortgage Information Statement. This document is required under the National Consumer Credit Protection Act 2009 and explains how reverse mortgages work, how interest is charged, and the key issues to consider before proceeding.
Reverse Mortgage Information Statement (PDF)Specialist home loan options and LMI waivers tailored for engineers.
Explore Engineer Home LoansFlexible home loan solutions tailored for self-employed and sole traders.
See Sole Trader Loan OptionsFlexible home loan options for business owners and freelancers.
Loans for Self-EmployedTailored strategies and lending solutions for experienced investors.
Let's Talk StrategiesLocal mortgage expertise tailored for Berwick home buyers and investors.
Get Mortgage Help in BerwickRingwood’s trusted brokers for refinancing, investment, and first home loans.
Speak to a Ringwood BrokerHelping Mont Albert clients secure the right lending solutions for every stage.
Explore Loans in Mont AlbertSpecialised mortgage support for Carlton’s diverse and growing community.
Start Your Loan Search in CarltonTailored mortgage solutions for homeowners and investors in Narre Warren.
Get Started in Narre WarrenStay informed with the most recent rate changes and news.
Check the Latest RatesWe’re excited to assist you with your first home loan journey and help you take that exciting first step into home ownership with ease and expert support.
Introduction between the consult and the client. Understand the client's financial situation, goals, challenges, and expectations.
Analyze cash flow, income, expenses, debts, assets, liabilities, and financial ratios. Identify potential risks and client’s risk tolerance.
Work with the client to set short-term and long-term financial goals (e.g., retirement planning, debt reduction, investment growth).
Why Us
Consistently ranked among Australia’s leading brokers, with multiple industry accolades.
Decades of hands-on knowledge and deep market insight from our Melbourne-based founder.
Complimentary Consultation, Strategic Planning, and Seamless Support from paperwork to settlement.
From first homes to portfolios—we simplify every step with competitive rates and expert guidance.
320+ five-star reviews for personal service, trusted advice, and local market expertise.
Fully endorsed by MFAA & FBAA—professional excellence and ethical lending practices.
We manage complex compliance so your lending experience stays smooth and stress-free.
From first homes to refinancing, strategies match your lifestyle and long-term success.
Discover why more Melbourne clients are choosing Shern Advisory Finance Brokers over traditional banks—thanks to our hands-on service, broader lending network, and client-first mindset.
Customers are treated as just another number in the system.
Clients enjoy personalised guidance and tailored financial solutions.
Limited loan options with rigid policies.
Access to 40+ lenders offering flexible mortgage solutions.
Slow approval times with complicated processes.
Faster approvals and clear support through every stage.
Focus on maximising profits for the bank.
Your goals come first—we work for you, not the lender.
Generic mortgage plans that lack flexibility.
Custom mortgage strategies built around your needs.
Call centers with minimal personal engagement.
One-on-one support from a dedicated broker in Melbourne.
A mortgage broker acts as the go-between the home buyer and a wide range of lenders. Instead of dealing with just one bank, AxJ Finance Home Loan Brokers compares mortgage options from over 40 lenders to find a home loan that suits your unique financial situation. We take the time to understand your goals and explain the loan process, helping you make informed decisions about interest rates, lender fees, and loan structures. Our goal is to make everything clear, efficient, and stress free.
When you go directly to a bank, you're limited to their loan products. A mortgage broker gives you access to a wide range of loan products across multiple lenders. At AxJ, we compare options from banks and non bank lenders to find the best deal for your needs. We also provide expert advice, guide you through the paperwork, and negotiate on your behalf. This not only saves you time but can also save you money in the long run.
Your eligibility for a home loan depends on your income, savings, credit history, existing debts, and other personal details. At AxJ Finance Brokers, our experienced team will assess your financial position and help you understand your options. We’ll guide you through the requirements for pre-approval, what documents are needed, and what you can do to strengthen your application. Our goal is to make sure you’re fully prepared before you commit to a lender or property.
To begin your loan application, you’ll typically need to provide proof of identity, income (payslips or business financials), bank statements, and details of your assets and liabilities. You’ll also receive a credit guide and credit proposal disclosure document outlining key loan features and any applicable fees and charges. At AxJ, we walk you through this documentation step by step to ensure accuracy and avoid delays.
The loan process timeline can vary depending on the chosen lender, your personal documentation, and the type of loan. In general, pre-approval can take a few days, and formal approval may take one to two weeks.
Business Information
Shern Advisory, a trusted mortgage broker in Melbourne, specialises in providing personalised loan solutions to help you navigate the dynamic property market with ease. Led by principal broker Jason, our team is dedicated to delivering tailored, responsive, and proactive mortgage services, ensuring your financial journey is smooth and successful.
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This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
All finance applications and variations are subject to lenders terms and conditions. Fees and charges and eligibility criteria apply.
Mortgage brokers in Melbourne and surrounding areas, guiding your financial journey seamlessly.
A J Squared Trust t/as SA Finance Brokers
ABN 36 875 784 774
Australian Credit Licence 550893
© SA Finance Brokers | All Rights Reserved A J Squared Trust t/as SA Finance Brokers ABN 36 875 784 774 Australian Credit Licence 550893
