Your local mortgage broker

At JKK Solutions we provide independent advice so you know what you are capable of in your financial situation. As we are former bankers we know what you’ll need to secure a loan and our insights help make the process simple and fuss free. We do the shopping around for you to find the best lender and the loan conditions, which saves you time and frustration and reduces the risk of you entering into a loan that is not in your best interests. We then will assist to negotiate with banks on your behalf to make sure your interest is protected.

We don’t charge you a fee and are instead paid by the bank or financial institution you eventually go with, so if we don’t find a suitable loan for you there is no charge. You’ll get the benefit of our experience and knowledge without any cost or stress that shopping around for a loan can bring.

Banks and financial institutions pay mortgage brokers a commission after the loan has settled. It is essentially a finder’s fee. This does not make any impact on your loan cost and is negotiated through the bank or financial institution and the mortgage broker. Most of the banks pay the same commission so there is no bias. We ensure you get the best deal in the market and will only recommend loans that are in your best interests.

Your mortgage broker at JKK Solutions will calculate how much money you are able to borrow. They will go through the details of the loan and review your financial situation to ensure you have the ability to pay the loan off. We will talk you through the process and help you understand your lending capabilities.

If you are self-employed there are a few more hoops that you need to jump through to secure a loan, but provided you meet the requirements you can still get a home loan. When applying for a home loan as a borrower who is self employed a lender will consider your financial position and/or your business’ financial position.

At JKK Solutions, we provide solutions to different requirements for self-employed customers, which can be done through simplified verification (PAYG Company Wages), full verification (business financials and individual tax returns) or Low Doc verification (for example, accountant letter, Business Activity Statements or Bank statements).

Your JKK Solutions mortgage broker will help you through this process, explaining what is required and managing the paperwork. We will make this process much simpler for you and help you secure your home loan.

If you find you are earning more or have the ability to pay off your loan faster this is usually fine. With some mortgage contracts there is a limit on how much extra you can pay off. Your mortgage broker at JKK Solutions will advise you of the extra repayment limits and any break costs after this limit is reached.

Absolutely! Our office is in Mount Waverley, Victoria. We have multiple spaces that are comfortable with refreshments that are designed purposefully to meet with you for face-to-face consultations. If you’d prefer, we are completely set up for virtual meetings, phone calls or email conversations for any questions you may have.