Jess Chen · Mortgage Broker
Sydney-based, servicing clients Australia-wide. Access to 100+ lenders and over five years guiding first home buyers, refinancers and investors.
Credit Representative No. 562941 · Member of AFCA · Australian Credit Licence No. [ACL number — please provide] · This page contains general information only and does not constitute credit advice.
For more than five years I've helped Australians borrow smarter — first home buyers, refinancers, and investors building portfolios. My job isn't to push the loan I get paid most for. It's to read your situation properly and recommend the option that genuinely works for you.
Based in Sydney, working with clients right across Australia — over the phone, by video, or in person where it suits. Expect plain English, fast responses, and a process that respects your time.
Government schemes, deposit strategies, and lender choice — explained clearly.
Pay too much on your current rate? I'll review and move you somewhere better.
Structuring loans for growth — offset, interest-only, equity release.
Progressive draw-downs for building or knock-down rebuilds, aligned with your timeline.
Lenders that genuinely understand non-PAYG income and complex structures.
Combine debts into a single, lower-rate facility and reset your cash flow.
Sample testimonials — please replace with real client comments before going live.
"Jess took the panic out of buying our first place. She explained the First Home Guarantee in a way that actually made sense, and chased the lender so we didn't have to."
"I'd been with the same bank for 12 years. Jess refinanced us in under three weeks and we're saving roughly $480 a month. Wish I'd called her sooner."
"Self-employed with messy paperwork — every other broker said it was too hard. Jess structured it properly and got us approved. Calm, sharp, no fluff."
"What I appreciated most was the honesty. Jess told us when waiting six months would put us in a stronger position rather than pushing for a sale."
No fee to you. The lender pays my commission on settlement, so my service is generally free for clients.
How it works. A 20-minute chat to understand your goals, then I compare options across the panel and walk you through the shortlist before you commit to anything.
Turnaround. Same-day responses on weekdays. Pre-approval typically within a week, depending on lender and documentation.
Tell me where you're at and I'll come back within one business day.