Melbourne Premium Mortgage Broker


Home Loans

Commercial Loans

Construction Loans

Car Loans

  • Most suitable loan from over 30+ lenders 
  • Fastest loan process guaranteed               
  • Personalised loan conselling

About Our Company

Joy Finance is a team of loan approval experts, based in Melbourne. We provide clients with the most honest and competitive financing solutions available in Australia. We simplify the process of home loans, refinances, business lendings, and car loans. Whether you need services of an expert property consultant, want a free valuation report, or need help in choosing a suitable loan, Joy Finance provides you with a wide array of financial services with a promise to deliver better advice, a higher level of service and better home loans.

Tools & Estimators

Want to know how much you can borrow? We got you covered.

Buying a Home

First home buyer friendly services. We not only find you the most suitable loan, but also help you to save.


We are confident that our refinancing solutions will save you thousands of dollars down the track.

Commercial Loans

If you are looking for a commercial loan anywhere between $250K to $100M, we have solutions for you. Self-declared options availalbe.

Today's Rate

We constantly monitor the rate, and the lowest rate we can find is 1.79%. Contact us now to see if you are qualified with this low rate.

Why Choose Us

Unlike your bank, we have more than 30 different lenders to choose from with a range of different policies so you can be confident about getting your home loan approved and not damaging your credit file. Following up on the progress of your loan can be stressful and time consuming. That’s why we deal with the banks so that you don’t have to. We have efficient systems in place to track your loan and provide you with timely updates. Our mortgage brokers have a much higher level of training and experience than bank lenders, many of them with years of experience in the mortgage industry.

Get Started 100% Digitally

From data and documents collection, Verification of Ids, to contracts signings. All these can be done digitally with us to save your hassles, time and money. However, technology won’t replace what we do, it will just enable us to do it faster and more efficiently, so we can spend more time helping the clients – YOU.


Customer Satisfaction


Average Approved Rate*

Happy Customers

Eric from Joy helped us with our refinance. He is very professional and rate is much better than our previous bank. We saved thousands of dollars using his services. Thanks a lot for helping out. Highly recommended.

– Luke Hunt

Eric got our loan approved fast. And the best part is we have saved a lot of money doing the loan with him. Thanks a lot!

– Roy Goletsos

Simple, convenient and very professional service. The overall process was taken from complexity to simplicity. Highly recommended!

– Garry Bramley

Get a Free Consultation

At Joy Finance, we assess the goals and needs of our clients and find a solution that is tailored to their needs. We select the most suitable loan product out of 1000 different loans, that perfectly fits our clients’ personal / business goals. We partner with the best real estate agents, accountants, lawyers to help our clients in applying for the right loans. At Joy Finance, we work around your schedule. Our mortgage broker is available to assist you between 9 AM -9 PM, 7 days a week and respond to email within 24 hours. Give us a call today or apply online for a free consultation.

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