Mortgage Broker – Commission-Based Contract RoleJAY Finance | Sydney, NSW | Hybrid / Flexible Working

Company DescriptionJAY Finance provides tailored mortgage and finance solutions to help clients achieve their property ownership and long-term financial goals. We focus on building lasting relationships, offering personalised guidance, and identifying lending solutions that support our clients’ current needs and future investment opportunities.

We are looking to expand our network by partnering with a motivated, business-minded Mortgage Broker who wants to grow their own loan-writing business under the JAY Finance banner.

Role DescriptionThis is a contract-based, commission-only opportunity with no fixed salary or wages. It is ideal for a self-motivated individual who can generate their own business, build referral networks, and convert leads into settled loans.

We welcome experienced Mortgage Brokers with an existing client base, as well as candidates with mortgage administration or para-broking experience who are looking to transition into a broker role, subject to meeting all applicable qualification, licensing, accreditation, and compliance requirements.

As a Mortgage Broker with JAY Finance, you will be responsible for developing your own pipeline of business, engaging with clients, assessing their borrowing needs, recommending suitable lending solutions, preparing and submitting loan applications, and managing deals through to settlement.

JAY Finance will provide administrative and para-broking support, along with guidance and assistance from time to time. This support is intended to help you focus on business development, client relationships, and writing quality loans.

Please note: This is not a salaried position. Your earnings will be commission-based and linked to the agreed contractual arrangement. You should apply only if you are comfortable with a commission-only structure and do not require a fixed income.

Key Responsibilities

- Generate your own leads through personal networks, referrals, marketing, and business development activities.
- Build and maintain relationships with clients, real estate agents, accountants, financial professionals, and other referral partners.




- Develop and manage a pipeline of mortgage and finance opportunities.
- Conduct client consultations and assess borrowing capacity, financial circumstances, and lending objectives.
- Identify suitable loan products and structures across residential, investment, refinancing, and debt consolidation scenarios.
- Prepare, lodge, and manage loan applications in accordance with lender policies and compliance requirements.
- Liaise with lenders, clients, and the JAY Finance support team to progress applications through approval and settlement.
- Maintain accurate client records, documentation, and regular updates on deal progress.
- Take ownership of business development and work towards consistent loan lodgements and settlements.

Skills and Experience
- Some practical experience in mortgage broking, loan writing, mortgage administration, or para-broking.
- A strong sales mindset and the ability to generate business independently.
- Experience building referral networks and developing client relationships will be highly regarded.
- Understanding of Australian residential lending, investment loans, refinancing, and debt consolidation.
- Relevant qualifications, such as Certificate IV in Finance and Mortgage Broking or equivalent, where required.
- Strong communication, negotiation, analytical, and organisational skills.
- Ability to work independently, manage multiple applications, and meet deadlines.
- Willingness to maintain ongoing communication with JAY Finance and provide regular pipeline updates.
- Existing lender accreditations and an established client or referral network will be an advantage.

Eligibility Requirements
- Must be an Australian citizen or permanent resident.
- Must meet the applicable qualification, licensing, authorisation,



and compliance requirements to operate as a Mortgage Broker under the relevant aggregator and regulatory framework.
- Candidates transitioning from administration or para-broking must be eligible to complete any outstanding requirements before undertaking regulated broking activities.
- Must be comfortable operating under a contractual, commission-only arrangement.

What JAY Finance Offers
- The opportunity to build and grow your own loan-writing business under the JAY Finance banner.
- Administrative and para-broking support to assist with documentation and application processing.
- Ongoing guidance and operational support when required.
- Access to established broking systems, processes, and lender networks, subject to applicable approvals and accreditations.
- Adaptable working arrangements, with a preference for candidates based in Sydney, NSW.
- An opportunity to grow your earnings in line with your business development and settled loan volumes.

Who Should Apply?We are looking for a proactive, commercially minded individual who is confident in generating leads, developing referral relationships, and converting opportunities into settled loans. This role is particularly suitable for:
- Existing Mortgage Brokers who want to grow their business with operational support.
- Brokers with their own client base or referral network who are looking for a contractual partnership.
- Mortgage administrators or para-brokers who have relevant experience and are ready to progress into a broker role, subject to meeting the required eligibility criteria.

If you are comfortable with a commission-only contractual arrangement, are motivated to generate your own business, and want to grow your mortgage broking career with JAY Finance, we would love to hear from you.

How to Apply

Please submit your application outlining your relevant experience, qualifications, current lender accreditations (if any), referral network, and ability to generate your own loan business.

- Important: This position does not provide a fixed salary or guaranteed income. Please apply only if you understand and accept the commission-only contractual nature of the role.

📌 Mortgage Broker (Sydney)
🏢 JAY FINANCE
📍 Sydney