JEM Finance Group

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Medford, MA
JEM Finance Group

Want the best finance deal for YOU and your situation? You need JEM Finance Group working for you
w Sydney based personal Finance Broker service

09/03/2026

A property investor came to us after two banks said no to their refinance. 🏠

They own two investment properties and wanted to consolidate the loans and free up equity for their next purchase. The banks couldn't see past the cross-collateralised structure — one property was effectively holding the other hostage.

We separated the structures, matched each facility to a lender on our panel of 40+ who understood the portfolio, and got the refinance across the line. The result: lower repayments, more than $1,000 a month back in the investor's pocket, and the equity they needed to keep building the portfolio. 📈

If you've been knocked back, or your property finance hasn't been reviewed in a while, it costs nothing to find out what's possible. No client fees — we're paid by the lender on settlement.

Call 1300 574 774 or email [email protected]

09/02/2026

Five signs you might be overpaying on your home loan 👀

1️⃣ You've been on the same rate for years
2️⃣ You've never had a formal rate review
3️⃣ You're paying your lender's standard rate, not their best one
4️⃣ Your variable rate never seems to move when rates come down
5️⃣ Your monthly repayments feel tighter than they should

If any of these sound familiar, you're not alone. Most borrowers don't realise their bank won't call to tell them a better deal exists.

The good news? A rate review with JEM Finance Group takes very little time, and it costs you nothing. No client fees, we're paid by the lender on settlement.

Worth 10 minutes to find out? Get in touch 📲

Call 1300 574 774 or email [email protected]

09/01/2026

HSBC customers — you've probably heard the news that HSBC is closing its Australian retail bank and your home loan is being handed over to Pepper Money to manage from 2027.

First, don't panic. Your loan keeps running exactly as it is — same rate, same repayments, same offset. Nothing needs to change tomorrow.

But here's the thing worth thinking about: your loan is being moved regardless. This is your chance to decide where it ends up, rather than being transferred automatically.

If it's been a few years since anyone looked at your rate, it's very likely drifted behind the market. And a portfolio moving to a new owner is as good a reason as any to check.

I review loans across the whole market — 40+ lenders — and in most cases it costs you nothing to find out where you stand.

Comment REVIEW or send me a message, and I'll walk you through it honestly.

08/31/2026

A business owner came to us frustrated. Their bank said their commercial premises refinance "couldn't be structured." 🏢

The loan sat bundled in a way that made moving hard, the rate had drifted well above the market, and they wanted two things: lower repayments, and equity freed up to fund new equipment.

We took the time to understand how the business actually operated, then separated the premises facility and matched it to a specialist lender on our panel of 40+ who understands commercial assets. Approval came through in days, not months.

The result? Over $2,400 a month cut from their repayments, more than $28,000 a year back in the business, plus the equity they needed to fund their growth. No client fees, we're paid by the lender on settlement.

If your commercial loan hasn't been reviewed in a while, or your bank tells you it "can't be done," it's worth a fresh conversation. And it costs nothing to find out.

Call JEM Finance Group on 1300 574 774 or email [email protected].

08/29/2026

Refinancing saved this family $1,600 a month. 🏠

When our clients came to us, they were on a variable rate that had quietly drifted well above what new customers were being offered. They liked their bank, but loyalty doesn't always show up in your interest rate.

We compared their loan across our panel of 40+ lenders, found a rate that better matched their situation, and handled the whole restructure for them. No client fees, and the process took about five days.

Here's the honest part: refinancing isn't always the right move. It depends on your rate, your loan structure, and your plans. But it's worth checking whether you're leaving money on the table.

If you'd like to see whether your home loan is still competitive, we're happy to take a look. Talk to the JEM Finance Group team on 1300 574 774, or email [email protected].

08/27/2026

Meet the person behind the deals. 👔

Jonathan Streater spent more than 30 years in finance, including leading Corporate Credit Risk at one of Australia's major banks. He started JEM Finance Group to do lending differently: with the client on the inside, not on the other side of the desk.

That background is why JEM can take on the deals other brokers pass on, from Hospitality Groups, Manufacturers, Property Investors to Medical Practices to cross-collateralised property. He's read these files from the lender's side, so he knows exactly what gets approved, and how to present it.

If you'd like a finance partner who truly understands the numbers, talk to JEM Finance Group on 1300 574 774 or email [email protected].

08/26/2026

🏠 When the bank told this aged care provider they "didn't fit the box," we didn't take no for an answer.

The operator had built a solid residential care business with stable, recurring revenue and strong occupancy, but their bank had stalled on funding for expansion, and refinancing kept hitting dead ends.

We took the time to understand their occupancy model properly: recurring resident income, reliable referrals, a clear profit history. That is a story we could take to the right lender. We matched their situation with a specialist on our 40+ lender panel who genuinely understands aged care finance, and secured the funding with a better structure and lower cost than the original deal.

The result? Funding unlocked and over $12,000 a year saved on interest. No drama and no fees to the client. Just the right lender and the right structure.

If your care business is growing but your bank is not keeping up, we can help.

Call JEM Finance Group on 1300 574 774 or email [email protected].

08/25/2026

Here's something most borrowers don't realise. 👀

Lenders reprice independently of the RBA. So even when the cash rate hasn't moved, your bank may have already repriced your loan, or is quietly offering better rates to new customers while long-term loyal borrowers miss out.

We watch these moves across our panel of 40+ lenders in real time. That's how we spot when a client's rate has drifted out of line, and when a better option has appeared.

A rate review takes very little time, and it costs you nothing. We're paid by the lender on settlement.

Worth a fresh look? Call JEM Finance Group on 1300 574 774 or email [email protected].

08/24/2026

Two banks said no. We found a way. 🏡

A property investor came to us wanting to expand their portfolio. The problem? Their loans were cross-collateralised, so one decision dragged every property into it, and their borrowing capacity was stuck.

We unpicked the structure, separated the cross-collateralised loans, and matched each property to the right lender on our panel of 40+. Approval came through in days, not months, and they gained the capacity they needed to move forward.

No client fees. We're paid by the lender on settlement.

If your portfolio feels stuck, or you've been told no, it's worth a fresh conversation. Call JEM Finance Group on 1300 574 774 or email [email protected].

08/20/2026

Sometimes a "no" from the bank isn't the end of the story. 👇

A growing medical practice came to us to refinance their premises and fit-out. The bank that had always looked after them said they couldn't make the numbers work, and they'd need to significantly restructure to be approved. It felt like the door had closed.

But one lender's answer isn't the whole market.

We took the time to understand how the practice actually operated, its patient base and its predictable revenue, then approached the lenders on our panel of 40+ who genuinely understand medical finance. We found a specialist lender that valued the practice for what it was.

The result? They refinanced, secured the funding they needed to keep growing, and cut over $1,800 from their monthly repayments, over $21,000 a year back into the business. ✅

No client fees from us, we're paid by the lender on settlement.

If your business has been turned down by your bank, or you suspect you're not on the best deal, it's worth a fresh conversation. And it costs nothing to find out.

Call JEM Finance Group on 1300 574 774, or email [email protected].

Address

PO Box 3072
Medford, MA
2155

Telephone

+611300574774

Website

https://www.jemfinancegroup.com.au/

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