Perth Mortgage Broker · Let's Finance
Refinancing, buying your first home, building or investing — Jem compares 800+ loan products across 40+ lenders and handles everything from application to settlement. And because lenders pay her, not you, it won't cost you a cent.
Tell Jem a little about your plans — she'll be in touch within one business day.
Your enquiry has been received and a confirmation email is on its way. Jem will call or email you within one business day.
One quick step while you wait: complete the secure assessment form so Jem can put options in writing for you.
Meet Jem
Jem is a Perth-based loan specialist with Let's Finance, part of the Scott Park Group — one of Western Australia's largest residential building and finance groups.
As a broker, Jem is legally obligated to act in your best interests — not a lender's. She'll review your financial position, compare hundreds of loan products, and recommend the one that genuinely fits your life. Then she handles the paperwork, chases the lender, and keeps you in the loop from application through to settlement.
Straight answers, no jargon, and a real person who picks up the phone.
How it works
01
Tell Jem what you're planning. She'll assess your position — income, deposit, entitlements like the First Home Owner Grant — and tell you exactly where you stand.
02
She compares 800+ loan products across 40+ lenders and recommends the loan that fits — rate, features, structure and all. You choose; she never pushes.
03
Jem manages the application, the paperwork and the lender, keeping you updated the whole way through to settlement — and beyond.
What Jem can help with
If you haven't reviewed your loan in the last two years, there's a good chance you're paying more than you need to. Jem reviews your current loan, shops the market, and can restructure to a variable, fixed or split rate — or unlock equity for your next step.
From the First Home Owner Grant to stamp duty concessions, Jem makes sure you claim everything you're entitled to — and finds a loan that works for your deposit and budget.
Construction loans work differently. As part of WA's Scott Park Group, Jem knows building finance inside out — progress payments, land loans and all.
Upgrading, downsizing or relocating — Jem works out your borrowing power and bridges the gap between selling and buying without the stress.
Grow your portfolio with the right structure. Jem can help you unlock equity in your current home and finance your next investment property.
“From our first chat to settlement day, the whole thing was an absolute breeze.” Maya F.
Good to know
Nothing. Lenders pay Jem a commission for arranging your loan — you don't pay her a cent. And because she's legally obligated to act in your best interests, her recommendation is based on what suits you, not what pays most.
Your bank can only offer you its own products. Jem compares 800+ loan products across 40+ lenders — including your bank — so you know the deal you're getting genuinely stacks up.
It depends on your income, debts, living expenses and deposit. Jem will work out your borrowing power in your free assessment — usually in the first conversation.
Yes. Some lenders are far friendlier to self-employed borrowers than others, and Jem knows which ones. She'll help you present your financials the right way.
It varies by lender — some approve in days, others take weeks. Jem knows current turnaround times and will factor them into her recommendation, especially if you're on a deadline.
A quick chat with Jem costs nothing and could save you thousands. No pressure, no obligation — just straight answers about your options.
