Services Offered
- Residential Home Loans
- Commercial Finance
- Insurance
- Deposit Bonds
- Planning
- Car Financing
About John
Hi there, my name is John Paynter, managing director for JP Loans. Have you ever wondered if the interest rate you are currently on is the best possible rate out there? Have you ever wondered if you have the best possible structure and solution for your unique, individual situation? Have you ever been a first home buyer or even a property investor with a large portfolio thinking where do I even start to make sure I can get the best possible advice and the hassle taken out of something that can be quite complex that we don’t all have time or resources for.
At JP Loans we partner with a number of ancillary firms including financial planners, lawyers, conveyancers, accountants, commercial lenders, business brokers, real estate agents, buyers agents and a number of other affiliates so that we can provide you with access to all the possible services and products you may require. Whether buying an investment property in your self-managed super fund, buying a first home, releasing equity for investment purposes or whatever the scenario may be, we have the answer. I personally have been in lending for over 12 years having worked with the major banks, boutique lenders and as an independent mortgage broker as I am now. We pride ourselves on been independent and having access to over 30 lenders and over 1500 loan products. It is in our interest to look after you the client by gaining access to the best possible solution out there for you and not be dictated by which lender pays the highest commission to us or which bank might be easier to deal with. If we can get you to refer a friend or colleague to us then we have obviously done the right thing by you, reputation is everything.
Some of the areas we specialise in are:
First home buyers
Loans for professionals, sometimes 90% of the residential property value without mortgage insurance
Third party guarantor loans i.e., family helping their children get into their first home by pledging cash or a property as security for deposit required
Using interest only offset accounts for maximum tax effectiveness and cash flow optimisation
Recycling private (undeductible debt) into business/investment (deductible) debt
Newly self-employed or contracting
Applicants with paid and even unpaid credit defaults
Low documentation loans where just the sign off of an accountant is required
Simply just refinancing clients current loans, credit cards, debts onto the lowest possible rate and importantly most tax efficient structure
Helping clients decide on the mix between fixed and variable loans
We also assist clients finding that lowest rate and structure to purchase a car, equipment and commercial property and businesses
Client Testimonials
"Hi John
I would really like to thank you and your staff for all of your efforts in making my Self-Managed Super Fund Home Loan an easy, stress free process. I was not totally aware of all that was involved and you certainly clarified everything and made me feel comfortable at every stage through the process until settlement.
I am also impressed that you managed to help me secure relationships with other Finance professionals and I now have a great accountant and Financial Planner too. I certainly feel more comfortable having a fully assessed approach to my future investment strategies.
I will definitely make sure I call you again next time I need a professional, friendly, Mortgage Broker and I will be recommending you to all of my friends and work colleagues.
Kind regards
Darren"
"Hi John
I just wanted to send you an email to thank you very much for all of your hard work in getting my loan set for my new purchase. As you are fully aware, my recent change in employment circumstances resulted in none of the banks being willing to help me until i was able to provide at least one full year of business figures. I even approached a mortgage broker that was referred by my family and they also were not able to help. However, after meeting with you, i felt very confident as you took the time to truly understand my business and my underlying goals and aspirations. Further, you came back to me after researching a considerable number of “low Doc” loans and found a solution where others could not. Within 10 days you were able to secure an approval for me which meant that i was able to satisfy the conditions of my finance clause in my contract. The product that was recommended was very competitive in terms of rate, particularly given that it is a low doc loan and satisfies all of my needs.
I would just like to let you know how much i appreciate your tenacity and professional acumen in sourcing a loan for me where others said would not be possible. I have been very impressed with the professional manner in which you have dealt with my business and truly respect your “never take no for an answer attitude” in securing a great finance solution for my purchase. I will be referring all of my friends and family your way for any of their finance needs.
Thank you once again for all of your hard work.
Regards
Shaun Fitzgerald"
Qualifications
- Bachelor of Commerce
- Diploma in Business Management
Community involvement
- Touch Football
