JSB Financial

LONG-TERM BUSINESS FUNDING FROM 6.75% P.A.

Looking for longer-term funding to grow your business, refinance existing debt or consolidate multiple facilities?

Through JSB Financial, eligible established businesses may be able to access:
• Loans of up to $3 million
• Loan terms of up to 30 years
• Up to 80% LVR
• Interest-only repayments for up to three years
• Approval in as little as 24 hours
• Settlement in as little as five working days

The loan must be for business purposes and secured by residential property.

If your business doesn’t quite fit traditional bank lending criteria, this could be worth exploring.

Let’s talk about your scenario.

Rates start from 6.75% p.a. and are subject to change. All applications are subject to credit approval, lending criteria, security requirements and applicable fees. Business-purpose loans for ASIC-registered businesses only.

The Great Investor Reshuffle..........

Australia's property market is continuing to evolve, and investors are adapting their strategies accordingly. As lending conditions, property values and market opportunities shift, we're seeing many investors reassess their portfolios and explore new opportunities.

The key takeaway? Successful investors don't stand still. They stay informed, seek professional advice and position themselves to take advantage of changing market conditions.

Whether you're purchasing your first investment property, expanding your portfolio, refinancing existing debt or looking at alternative funding solutions, having the right finance strategy has never been more important.

A worthwhile read for anyone interested in where the investor market is heading.

The investors who adapt early are often the ones who benefit most from changing market conditions.

The great investor reshuffle Tax uncertainty, higher interest rates and inflation are reshaping where capital flows

With the next RBA decision due on June 16 and markets still reacting to the Budget and Middle East conflict, many borrowers are reassessing their position. Here are four issues worth watching:
• What the Budget changes could mean for investors
• How borrowers are coping with higher rates
• Refinancing activity jumps as rates rise
• New fund aims to unlock housing supply

Reach out for a chat with a local team that understands the market and genuinely cares about helping you move forward.

Budget shakes investors | Borrowers feel the squeeze | Refinancing activity jumps

This is a great summary from Carson Goh at BLG Business Advisors on the recent Federal Budget announcements, particularly the proposed reforms affecting businesses, trusts, and investors. Definitely worth a read for anyone wanting a clearer understanding of what may be ahead.

I especially liked the final thoughts from the article. While many of the proposed changes are significant, it is important to take a breath and not to overreact to headlines. Most major reforms are not expected to commence until 1 July 2027 or later, meaning there is still time to properly review structures, seek advice, and plan carefully.

A sensible and balanced perspective in what is currently a very noisy environment.

Read the article here - https://www.blgba.com.au/insights/major-tax-reforms-for-businesses-trusts-and-investors

Federal Budget 2026–27: Major Tax Reforms for Businesses, Trusts and Investors Learn about the new Division 296 tax on superannuation and upcoming changes to contribution caps, effective from 1 July 2026. Discover how these updates may impact you.

We’ve been that busy helping clients lately… our social media may have taken a little holiday 😅

But we’re back, and thought it was the perfect time to remind everyone what we do.

🏡 Illawarra Home Loans
• Home loans
• Refinancing
• First home buyers
• Investment lending
• Making the finance process simple

🏢 JSB Financial
• Commercial loans
• Business lending
• Private lending
• Debt consolidation
• Specialist lending solutions for complex scenarios

Whether it’s your home, your business, or your next move, we’re here to help.

📩 Reach out anytime for a chat.