What are the opening hours?

Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm Saturday 8:30am - 5:30pm Sunday 8:30am - 5:30pm

LoanHaus

With 30+ lenders, expertise, & tailored finance, you can achieve your dreams. Apply today.

We deal with a number of lenders and can arrange the best loan to suit your needs. At SJ Financial Services we promote responsible borrowing and will arrange terms to suit your finances. We can get you pre approved for a loan and you will know how much you can afford to borrow and what your repayments will be. You can be confident that you are dealing with a reputable company, with a long history

in the finance broking industry. It isn’t hard to find yourself with a less than favourable credit report these days but we can still assist you in most cases

12/03/2026

Dream team 🌟
Meet your finance brokers at LoanHaus!

21/03/2025

How long does an approval take? 💲💡
A: Typically, an approval is provided within 24 hours, often quicker if all documents are returned swiftly. The turnaround time will ultimately come down to the overall profile of the customer, documents being provided on time, and the lender's current assessment queue.
Ready to enquire?

14/03/2025

We do tiny homes!🏡😍
Experience the tranquility and excitement of living in your own tiny home. Perfect for get-away's or a relaxing weekend by yourself😴✨
Get in contact with our team for your free, commitment-free quote.

10/03/2025

Owner-occupiers are stepping up in the property market as investors are stepping down, according to new data from the Australian Bureau of Statistics, while average loan sizes now range from $465,000 in the Northern Territory to $811,000 in New South Wales.

During the final three months of the year, loan commitments fell 4.5% quarter-on-quarter for investors while rising 2.2% for owner-occupiers, reflecting a changing dynamic in the market.

Meanwhile, the average mortgage across Australia reached a record $666,000 at the end of 2024, an increase of 8.5% on the year before.
Given those large loan sizes, accumulating a deposit can be hard. So here are five things you can do to either save your deposit faster or reduce the size of the deposit required🏡☺️

05/03/2025

Treasurer Jim Chalmers has instructed financial regulators to make it easier for Australians with student debt to take out a mortgage.

Currently, the banking regulator, APRA, and the financial services regulator, ASIC, expect lenders to take HELP-HECS debt into account when assessing home loan applications. However, Dr Chalmers said he wanted lenders to be able to exclude student debt repayments from serviceability assessments when they expected the borrower to pay off the debt in “the near term”, the Australian Financial Review reported.

“I’ve agreed these changes in discussions with regulators and convened the banks to discuss them,” Dr Chalmers said. “People with a HELP debt should be treated fairly when they want to buy a house and we’re working with the regulators to make sure they are.”

While Dr Chalmers has not indicated when these changes would take effect, if you contact me, I can calculate how much you can borrow now and estimate how much you might be able to borrow under the new rules.

What do you think about this?🏡💡

17/02/2025

CLIENT REVIEW // ⭐⭐⭐⭐⭐
Over the moon with our client's feedback on securing her a great car loan rate 🥰✨
"These guys were amazing and made me feel comfortable with trusting them. They were prompt and efficient. No matter who I spoke to, they were all very helpful and led me through the process of buying a car seamlessly. I highly recommend them! Thanks guys!"
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13/02/2025

When is it time to refinance your vehicle? 🚗📊
💲Improved Credit Score
💲Interest Rates Drop
💲Change of Financial Situation
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10/02/2025

The latest rental figures presented a contradictory scenario for property investors and tenants, indicating a mixed perspective on the rental market.

On one side, PopTrack reported that the national median rent reached an all-time high of $620 per week by the end of 2024. Conversely, rental growth has slowed to its lowest rate since 2021, with rents rising by only 1.6% in the December quarter.
For tenants, the current rental slowdown alleviates financial stress, particularly if you're saving for a deposit on your first home. However, it's important to note that the market still leans in favor of landlords.

06/02/2025

Australia's median property price experienced a slight decline of 0.1% in December, following 22 months of continuous growth, as reported by CoreLogic. While many property markets favored sellers in 2023 and 2024, they are expected to shift in favor of buyers by 2025.

With this perspective in mind—considering local market conditions—it’s likely that you can adopt a more strategic approach in your property search. The decrease in buyer competition will provide you with additional time to explore options and perform thorough research. Furthermore, it will allow you greater flexibility to negotiate discounts and more favorable settlement terms with sellers.

If you have any questions, don't hesitate to reach out to our team.

03/02/2025

One of the most significant mistakes homeowners can make is to 'set and forget' their mortgage for 30 years. As market conditions change and your financial circumstances evolve, it's likely that your mortgage may become less competitive or no longer fit your needs.

With that in mind, here are five signs it might be time for you to refinance.

31/01/2025

Entering the property market can be tough, but it may be more achievable than you realise, thanks to various first-time home buyer assistance programs.
State governments also offer a range of incentives for eligible first home buyers, including:
New South Wales – a $10,000 first home buyer grant and stamp duty discounts for purchases up to $1 million
Victoria – a $10,000 grant and duty discounts for up to $750,000
Queensland – a $30,000 grant and duty discounts for up to $800,000
Western Australia – a $10,000 grant and duty discounts for up to $600,000
South Australia – a $15,000 grant and duty discounts for up to $700,000
Tasmania – a $10,000 grant and duty discounts for up to $750,000
ACT – a duty discount for all purchases
Northern Territory – a $50,000 grant

Conditions apply for all these schemes, so please speak to me to confirm your eligibility.
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Address

20 Morehead Street
Newcastle, NSW
2299

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm
Saturday	8:30am - 5:30pm
Sunday	8:30am - 5:30pm

Telephone

+611300611325

Website

http://www.loanhaus.com.au/

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