Welcome to Joi

EXPERTS IN MORTGAGE BROKING & LENDING

How Joi can help you

Making a big purchase can be a daunting experience. There is always so much to consider when taking out a loan, whether you are re-financing, down-sizing, investing or buying your first home. That’s why it is vital to use an expert who understands the finance industry and can find you a competitive loan that suits your needs and lifestyle.

At Joi the aim is to find you a loan that not only meets your requirements, but exceeds your expectations in terms of rate, product and service. I believe in providing you with choice and I look forward to supporting you in your dream of owning your own home or investment property.

Jenn is locally based in Beaconsfield and is an active community member in the Fremantle area.

Our Services

Property Loans

Owner occupier or Investment
& First Home Owner Grant help.

Asset Finance

Personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages & more.

Refinancing

Assistance in refinancing, top-ups, and annual checks to keep the banks honest.

Meet Jenn

Jennifer Hern

Director & Mortgage Broker: B.Com,

dip. Mortgage Broking, Dip. Financial Planning

  • More than 25 years of finance industry experience.

  • Working mum, traveller, voracious reader, lover of fine wine and chocolate & committed swimmer.

  • I love helping people and that is the foundation for everything that I do. I have been involved in Banking and Financial Services for my entire career and now I love running my own Mortgage Broking business as it has given me the autonomy to empathetically help my clients. I don't sell home loans, I build relationships for the long-term.

Hear from Joi Clients

Jenni really went above and beyond by helping me secure the refinancing of my family home, hit a few hurdles through the process but Jenni acted very professionally and diligently worked through them all to successfully secure me a great new home loan with a fantastic rate saving me thousands of dollars, Jenni always was available day and night to get my loan over the line I work shift work so had to communicate with her on weekends and odd hours... I would Highly recommend her services to any one seeking them!
Thanks Jenni!

John McLernon

Found Jenni via Facebook and couldn’t believe our luck. Was always dubious about Facebook pages but when Jenni started emailing me back and how helpful she was I was glad I took the chance. Nothing was to hard, and she was always so quick to reply and help out. Have and will continue to recommend to friends, family, colleagues.

Through Jenni’s hard work, we are now saving money we didn’t think we could and will be able to hopefully go on more holidays and spend more quality time together.

Thanks heaps Jenni.

Leon Ottobrino

Highly recommend.

We couldn't have asked for anyone better to help us with our first home, Jenni was on the ball and we can't thank you enough for making the process so easy!


Brittany Leach

I was extremely impressed with Jen's professionalism and personable approach. Thanks so much Jen for your hard work and patience, it was greatly appreciated.

I would strongly recommend Jen to anyone who is looking for an honest and knowledgeable broker.

Melanie Separovich

Jenn was fantastic to deal with, took the time to come out to us and understand our situation before recommending best course of action to obtain a loan.

Whole process went extremely smoothly.

Definitely would recommend Jenns services.


Marnie Foreman

Frequently Asked Questions

What does a Mortgage Broker do?

Mortgage brokers are qualified finance industry professionals. They work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for you.Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with a suitable finance solution to help you achieve your goals. With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender. Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products from different lenders to find a loan that’s just right for you.

Do you charge a fee?

No, Joi does not charge a fee for our services.

When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate.

Brokers who charge a fee for their service must disclose this fee upfront to you so that you know what it will cost if you engage their services.

How do I know that I'm getting the best rate if banks pay you commission?

There is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry.

We tell you upfront what commission we will be getting from the lender.
Our only job, is to find the very best loan for YOUR needs and objectives.

Which lenders do you work with?

We have access to all major Australian lenders as well as many niche services. We will work with you to find the best service for your needs.

Credit Representative Number 494846 is authorised under Australian Credit Licence Number 389328.

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.

Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.