Grow your property portfolio with strategic investment loans.
Grow Your Investment PortfolioHelping you get into the property market with a smaller deposit.
See Low-Deposit OptionsFinance solutions for buying or investing in commercial real estate.
Finance Commercial PropertyTap into the equity in your home to achieve your financial goals.
Access Your Home’s EquityUnlock income from your home’s equity during retirement.
Explore Reverse MortgagesTurn your home loan into an investment engine by recycling debt strategically.
Learn About Debt RecyclingSpecialist home loan options and LMI waivers tailored for engineers.
Explore Engineer Home LoansFlexible home loan solutions tailored for self-employed and sole traders.
See Sole Trader Loan OptionsFlexible home loan options for business owners and freelancers.
Loans for Self-EmployedTailored strategies and lending solutions for experienced investors.
Let's Talk StrategiesStay informed with the most recent rate changes and news.
Check the Latest RatesWe’re excited to assist you with your first home loan journey and help you take that exciting first step into home ownership with ease and expert support.
Introduction between the consult and the client. Understand the client's financial situation, goals, challenges, and expectations.
Analyze cash flow, income, expenses, debts, assets, liabilities, and financial ratios. Identify potential risks and client’s risk tolerance.
Work with the client to set short-term and long-term financial goals (e.g., retirement planning, debt reduction, investment growth).
Why Us
Consistently ranked among Australia’s leading brokers, with multiple industry accolades.
Decades of hands-on knowledge and deep market insight from our Melbourne-based founder.
Complimentary Consultation, Strategic Planning, and Seamless Support from paperwork to settlement.
From first homes to portfolios—we simplify every step with competitive rates and expert guidance.
320+ five-star reviews for personal service, trusted advice, and local market expertise.
Fully endorsed by MFAA & FBAA—professional excellence and ethical lending practices.
We manage complex compliance so your lending experience stays smooth and stress-free.
From first homes to refinancing, strategies match your lifestyle and long-term success.
Discover why more Melbourne clients are choosing AxJ Finance Brokers over traditional banks—thanks to our hands-on service, broader lending network, and client-first mindset.
Customers are treated as just another number in the system.
Clients enjoy personalised guidance and tailored financial solutions.
Limited loan options with rigid policies.
Access to 40+ lenders offering flexible mortgage solutions.
Slow approval times with complicated processes.
Faster approvals and clear support through every stage.
Focus on maximising profits for the bank.
Your goals come first—we work for you, not the lender.
Generic mortgage plans that lack flexibility.
Custom mortgage strategies built around your needs.
Call centers with minimal personal engagement.
One-on-one support from a dedicated broker in Melbourne.
Use our easy-to-use calculators to plan your financial future.
At Shern Advisory, we’re more than just mortgage brokers—we’re your long-term financial partners. With over 20 years of combined experience, our licensed team brings clarity, strategy, and a personal touch to what can often feel like a complicated process.
We believe that no two financial journeys look the same. That’s why we don’t push cookie-cutter solutions. Instead, we provide independent advice tailored to your unique circumstances and long-term goals. Whether you’re buying your first home, refinancing, or navigating a complex lending scenario, we simplify the entire process—from comparing rates and explaining loan structures to managing the application and settlement.
We go beyond just securing a loan. Our role is to educate and empower you, making sure you understand the decisions you’re making and why they work in your favor. We provide clear, practical guidance on:
Navigating lender’s mortgage insurance
Understanding interest rates and repayment options
Choosing between banks and non-bank lenders
Ensuring compliance with credit proposal disclosures under our Australian Credit Licence
Our independence means we’re not tied to any one bank—we work for you, not the lenders. That gives us the freedom to recommend what’s genuinely best for your situation. And if that means advising against a decision that doesn’t serve your goals, we’ll tell you straight.
We’re proudly affiliated with the Mortgage and Finance Association of Australia (MFAA), a reflection of our commitment to ethical lending practices and industry excellence.
At Shern Advisory, our mission is simple: make the complex simple, and the stressful manageable—while equipping you with the knowledge to move forward with confidence.
From first chat to settlement—and beyond—we guide you with clarity, care, and competitive options.
We start by getting to know your goals, current situation, and what you’re looking to achieve.
We compare options from 40+ lenders so you get structure, features, and a rate that truly fit.
We handle the paperwork and guide you through every step—clearly and efficiently.
We liaise with your lender, solicitor and agent to keep everything moving smoothly to settlement.
After settlement we keep working for you—reviewing your loan and opportunities as life evolves.
Your journey to property ownership just got a whole lot easier. At Shern Advisory, we’re proud to be recognised as one of the best mortgage brokers in Melbourne, offering personalised, transparent, and stress-free mortgage solutions.
Finding the right loan in Melbourne can feel overwhelming with so many options on the market. As independent mortgage brokers in Melbourne, we simplify the process by comparing over 40 lenders to find the perfect fit for your needs—whether you’re buying your first home, refinancing, or expanding your investment portfolio.
Our goal is simple: help you save money by reducing fees, minimising Lenders Mortgage Insurance (LMI), and securing repayments that suit your budget.
We provide:
Think you need 20% to buy a home? Not with us. With low-deposit home loans, you can step into Melbourne’s property market with as little as 5% down. While LMI often applies, our brokers will help you decide whether paying it upfront makes sense—or if smarter strategies can reduce the cost. Our mission is to secure the best deal for you with the least financial strain. Read More
Many buyers don’t realise that credit cards can hurt their borrowing power. Lenders assess all your credit limits, not just your mortgage. To boost approval chances, we recommend:
Our brokers give you strategic, no-nonsense guidance to ensure your application looks strong from the start.
Melbourne’s property landscape is constantly shifting. Oversupplied areas can pose risks, while outer suburbs may offer strong growth opportunities. In some higher-risk zones, banks may demand up to a 30% deposit.
As experienced Melbourne finance brokers, we guide you away from risky moves and towards opportunities that align with your financial goals. Whether you’re buying or refinancing, we’ll ensure your loan works with current valuations and positions you for long-term success.
Choosing the right broker can make or break your loan journey. With Shern Advisory, you benefit from:
Our team of trusted brokers in Melbourne brings decades of combined experience, giving you peace of mind that your financial future is in the best hands.
Navigating Melbourne’s property market can feel complicated—but with us, it doesn’t have to be. We’re here to guide, educate, and support you through every step, ensuring your mortgage is not just a loan, but a strategy for long-term financial success.
Because when you’re working with one of the best mortgage brokers in Melbourne, you deserve nothing less than clarity, confidence, and results.
We take the stress out of finding the right loan. By connecting directly with over 40 lenders, our advanced comparison tools show you the most competitive options in real time. Beyond the rates, we also help you:
No matter your stage, our job as independent mortgage brokers in Melbourne is to educate, empower, and secure the best possible outcome. Read Less
At Shern Advisory, we’re not just another broker—we’re your trusted partner in navigating Melbourne’s competitive property market. Our reputation as one of the best mortgage brokers in Melbourne comes from our ability to deliver tailored lending solutions with clarity, care, and confidence.
Whether you’re buying your first home, upgrading to your next property, or investing for the future, our experienced team will guide you every step of the way—from your first consultation through pre-approval, valuation, settlement, and beyond.
As truly independent Melbourne finance brokers, we work for you—not the banks. That means:
Transparent advice you can trust, even if it means saying no when the timing isn’t right.
Fast approvals so you can secure the property you want without delays.
Flexible loan options sourced from over 40 lenders, with competitive rates and minimal fees.
Maximised savings by helping you access government incentives and grants where eligible.
With Shern Advisory, you don’t just get a loan—you gain a long-term partner who simplifies the process, protects your interests, and empowers you to make confident financial decisions.
Led by Jason, a highly experienced principal mortgage broker in Melbourne, our team ensures that you get the best mortgage advice and options available.
We tailor each loan to match your specific needs, whether you’re buying your first home, refinancing, or investing.
We connect you with over 40 trusted lenders, including major banks and specialised institutions, giving you the best options available from leading finance brokers in Melbourne. effective.
From initial consultation to settlement, we keep everything clear and straightforward so you always know what’s happening.
Our service doesn’t stop at settlement—we regularly review your loan to keep you on the most competitive rate.
As a boutique Melbourne business, we understand the city’s property market and can guide you to the best options for your situation.
We collaborate with a wide selection of banks to provide you with a variety of mortgage options tailored to your unique needs. By engaging with different lenders, we ensure you have access to competitive rates and flexible terms, helping you discover the ideal home loan. Our thorough comparisons and expert guidance streamline the process, making it simpler for you to secure the best possible deal.
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AxJ Finance Brokers, a trusted mortgage broker in Melbourne, specialises in providing personalised loan solutions to help you navigate the dynamic property market with ease. Led by principal broker Jason, our team is dedicated to delivering tailored, responsive, and proactive mortgage services, ensuring your financial journey is smooth and successful.
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This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
All finance applications and variations are subject to lenders terms and conditions. Fees and charges and eligibility criteria apply.
Mortgage brokers in Melbourne and surrounding areas, guiding your financial journey seamlessly.
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A J Squared Trust t/as AxJ Finance Brokers
ABN 36 875 784 774
Australian Credit Licence 550893
