Looking to purchase a home or a brand new car?

Perhaps you’re ready to refinance? Loan Approval Experts at Joy Finance are available to help you find the best loan that works for you. We specialize in providing loans for all lifestyles.

Joy Finance is a team of loan approval experts, based in Melbourne, Australia. We provide clients with the most honest and competitive financing solutions available in Australia.

We simplify the process of home loans, refinance, business lending, car loans and personal 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.

What Makes Joy Finance Different From Other Mortgage Brokers?

Joy Finance has partnered with 30+ different lenders and we can negotiate loans at discounted rates that you couldn’t find anywhere else. Our team is well-trained, well-organised, and has expertise that is second to none. The goal of Joy Finance is to provide clients with the most suitable loans and assist them in applying for loan with confidence. We meet our clients and understand their lifestyle and property goals. We compare thousands of home loans from more than 30 lenders and help our clients find the most suitable loan that could save them thousands of dollars.

We provide our clients:
  • Attentive and responsive personal service
  • Communication at every step
  • Competitive rates
  • Wide range of terms and options
  • Discount rates
Schedule and needs of our Clients

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.

Simplify Your Life With Joy Finance Today!


“Help others to achieve their dreams and you will achieve yours”

Our Star Mortgage Broker

Eric Zhu

Client Manager | CRN:498064

“Always challenge himself to delivery more to his clients.”

About Eric Zhu

Been in the financial market and accounting industry for nearly 10 years in Australia, Eric is always highly rated by his clients as trustworthy and an accountable person. His mindset with high level professional knowledge in loan and taxation and extraordinary work ethic bring him the reputation which is invaluable.Communicating with honesty and building trust is the key to Eric’s work philosophy. His excellent communication and negotiation skills in both English and Mandarin have facilitated him in achieving the best results that many Asian clients are looking for. Away from mortgage broking, Eric has an interest in sports and loves off-road trips with his family.

Contact Eric Zhu now on 0472 555 888 to discuss your loan.