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Helping ambitious Australians build long-term wealth through property, with tailored lending strategies that support long-term property goals.

25/09/2026

Ever wondered why some investors set up a different structure for each property instead of buying everything under one name? There's usually a reason behind it. 📊

Using separate entities can help isolate risk, so an issue with one property doesn't automatically expose the others. It can also support cleaner lending assessments, since each structure is considered on its own merits rather than compounding against a single borrowing capacity.

This isn't the right approach for everyone, and it comes with its own costs and complexity. It's the kind of decision worth making with proper advice, not something to set up on a whim.

Worth understanding your options before your portfolio grows past the point where changing structure gets harder.

50+ five-star reviews. Australia-wide.

Book a free strategy call. Link in bio. 🔗

Jason

24/09/2026

Thinking about fixing your rate? Worth checking what happens to your offset account first. 📊

Many fixed rate loans only offer a partial offset, or none at all, unlike variable loans which usually come with a full offset as standard. If you rely on offset savings to reduce your interest, locking into the wrong fixed product could mean losing that benefit for the whole fixed term.

It's a detail that's easy to miss when comparing rates, but it can make a real difference to what you actually pay over time.

Worth checking the fine print, or having someone check it for you, before you commit.

50+ five-star reviews. Australia-wide.

Book a free strategy call. Link in bio. 🔗

Jason

23/09/2026

Do not refinance your home loan in 2026, at least not until you've watched this. 🏦

I'm Jason McNamara, founder of Jota Finance. Almost 17 years inside Australia's Big 4 banks taught me every tip and trick when it comes to getting ahead on your home loan.

If you just want a better rate, in most cases we can actually negotiate that directly with your current lender, no need to switch banks at all.

But for most clients, rate is only one part of it. Some want to consolidate a car loan, home loan and credit card into one easier repayment. Some want to pay off their home loan in 10 or even 7 years instead of 30, and save hundreds of thousands in interest. Others have equity built up and want to renovate, add a pool, or fund that bucket list trip.

If that's you, refinancing is worth it, because your current bank will just keep you on the rate you're already stuck with.

But if it's purely about rate, we can often get that sorted without you lifting a finger.

Book a free 15 minute call. Almost 20 years doing this, and we know how to get the bank to move.

Costs you nothing. Link in bio. 🔗

Jason

22/09/2026

Had an agent estimate your property's value and assumed the bank would see it the same way? Worth knowing these are two very different assessments. 📊

An agent's appraisal is a market opinion, often on the optimistic side, since it's used to help sell or list a property. A bank valuation is a formal, independent assessment specifically for lending purposes, and it's usually more conservative.

The gap between the two can catch people off guard, especially when planning around expected equity or a purchase price. Knowing which number actually matters for your finance application avoids surprises later.

50+ five-star reviews. Australia-wide.

Book a free strategy call. Link in bio. 🔗

Jason

21/09/2026

Building a larger portfolio and keep hitting a wall with the same lender? It might not be about your income or equity at all. 📊

Some lenders have internal policies capping the number of properties or the total exposure they'll approve for a single borrower, regardless of how strong your financial position looks. Once you hit that cap, the answer is no, even if everything else stacks up.

Different lenders set this cap differently, some are far more generous than others for serious investors scaling a portfolio.

Knowing which lenders don't box you in this way matters more the bigger your portfolio gets.

50+ five-star reviews. Australia-wide.

Book a free strategy call. Link in bio. 🔗

Jason

20/09/2026

Did you buy a house in the last two years and pay LMI? This one's for you. 🏦

If your property has grown enough in equity that your loan is now under 80% LVR, the bank might actually refund your Lender's Mortgage Insurance. Most people have no idea this is even possible.

I spent 17 years working inside Australia's Big 4 banks, so I know exactly what to look for.

If you've taken out a home loan and paid LMI in the last two years, click below for a free 15 minute review. We'll check if you're eligible to get some of that LMI back.

Book a free strategy call. Link in bio. 🔗

Jason

19/09/2026

Bank valuation come back lower than the purchase price? Don't assume that's the end of the road. 📊

A low valuation can affect your loan to value ratio and how much the bank is willing to lend, but it's not automatically a dead end. Options include a different lender with a more favourable valuation, a larger deposit to bridge the gap, or in some cases, renegotiating the purchase price itself.

The key is knowing your options quickly, since timing matters when you're mid contract.

Understanding this before you're in the middle of a transaction means less stress if it happens.

50+ five-star reviews. Australia-wide.

Book a free strategy call. Link in bio. 🔗

Jason

18/09/2026

Confused why your approved borrowing amount seems lower than expected, even with a competitive rate? Lenders don't assess you at the rate you'll actually pay. 📊

They add a buffer on top, testing whether you could still afford repayments if rates rose. This assessment rate is what determines your borrowing capacity, not the advertised rate you see in the marketing.

Two people earning the same income can be assessed completely differently depending on which lender's buffer and policies apply to them.

Understanding this distinction is exactly why comparing lenders matters, not just comparing rates.

50+ five-star reviews. Australia-wide.

Book a free strategy call. Link in bio. 🔗

Jason

17/09/2026

I just reviewed my last 100 refinance clients and looked into why they actually wanted to refinance. The answers might surprise you. 📊

I'm Jason McNamara, Managing Director and founder at Jota Finance. Almost 20 years working in the Australian mortgage industry, previously with the Big 4, now on my own at Jota Finance.

I've put together a free guide that outlines the three main drivers behind why people refinance, and the benefits behind each one.

Click the link below and I'll send you the free guide. It might prompt you to review your own situation and see which of these reasons applies to you.

Get the free Home Loan Reset Guide. Link in bio. 🔗

Jason

16/09/2026

When did you last actually review your home loan? Not just glance at a statement, but properly check if it's still the right fit. 📊

Lending policies change, new products come out, and your own situation shifts, income, equity, goals. A loan that made sense three years ago might not be the best option today, and you'd have no way of knowing without checking.

An annual review takes very little time and costs nothing. It's one of the simplest habits that can save thousands over the life of a loan, yet it's the one most people never build in.

Worth putting a reminder in the calendar if you haven't reviewed yours this year.

50+ five-star reviews. Australia-wide.

Book a free strategy call. Link in bio. 🔗

Jason

Address

Level 1, 103 Grimshaw Street
Greensborough, VIC
3088

Telephone

+61402543643

Website

http://jotafinance.com.au/

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