Josh Bartlett home finance broker

Josh Bartlett

  • Mobile: cell 0402 235 001
  • Phone: work 03 8555 2017
  • Fax: fax 03 8080 6637
  • Business Address: work 5/328 Reserve Road Cheltenham, VIC 3192 Australia
  • Business Name: Financially Healthy Pty Ltd

Josh Bartlett

Mortgage Broker Cheltenham, Patterson Lakes, Aspendale

It is that easy! I search hundreds of home loans, features, fees and charges to secure the most competitive home loan for my clients every time. My tip is to always ask questions, and to save time and the hassle by letting your mortgage broker do most of the hard legwork. Whether you are looking to refinance, buy your first home investment property, my job is to make this process easier and ensure that my client gets the best deal. Having a wife as a licensed real estate agent that has been in the industry for over 12 years means my knowledge of buying and selling homes really helps me when dealing with my clients financial situations and transactions.


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Having owned operated my own business for over 10 years, I am very aware about creating wealth, and understand the importance of being 'Financially Healthy' for the future.  Investing in property and shares is a passion of mine and helping people with their finances gives me the opportunity to help them create wealth.

Business Community Involvement

I am involved heavily with real estate agents in the local area. I believe in being apart of the process of helping clients buy their properties, it is a level of service that I like achieve.  It helps to be apart of the process, from start to finish. My business involvement also includes Accountants, Financial Planners, I believe it always best to seek professional advice. From this advice I can look for the best loan to suit each applicants personal financial needs and wants.

Customers and Loans

My negotiation process with real estate agents and my involvement in real estate for over 10 years has given me the skills that I need to best help buyers, vendors and real estate agents. Having an involvement in the process from start to finish is a real positive for anyone looking for that extra added service. Being part of the transaction is imperative for communication, the loan process¸ and all parties involved. My real estate knowledge, investment experience, self employment, or understanding of first home buyers, will always allow me to make the best decisions for each clients individual needs.

Home Loans

I have access to home loans from a wide panel of major banks and secure lenders, and I truly understand home finance in a real estate context. Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms. And while the home loan application process can seem daunting, it is often simpler than most people think.

Home Loan Deposits

Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances and first home owner incentives. However, most lenders will require at least a portion of your deposit to come from genuine savings. If you don't have the deposit required, you may be able to make use of family equity, also known as a limited guarantor loan. The most common form of family equity is where a family member, offers their existing property as security for a portion of the home loan, generally around 20 per cent.

First Home Buyers

I think it is essential when dealing with first home buyers that they are comfortable with all the information that is presented to them. I like to be comprehensive in my education, to make sure I find the right product for each individual. Just recently I helped a first home buyer with negotiation of price on a property, this made them feel comfortable with the whole process, which helped them move into their property, and make the right decisions. I made them feel comfortable with the whole process by taking them through step by step.  They were very happy with my services.

Home Loan Pre-approval

If you have just started the search for your dream home and wish to have some peace-of-mind with your maximum borrowing capacity determined, I can assist you in obtaining an official home loan pre-approval.  Having a pre-approval will enable you to be in the strongest position possible to negotiate with a vendor or bid at auction when you find that perfect property.

Property Investment Loans

Through my extensive experience with investment properties, it allows me to give the best product choices to my clients.  Becoming 'Financially Healthy' means understanding the use of equity in your home, to enable each client to make plans for the future.

Refinancing Loans

I like to help people refinance, consolidate debts, and find them a great package that gives them more net income to live life.  There is nothing better when you can consolidate someone's loan, it's a great feeling helping someone move forward. Because Loan Market has so many lenders available to us, we are able to help people achieve their goals. It is essential that you use a broker over banks, because we are educated and experienced in helping you get the right product through our lenders.

Debt Consolidation

Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards and personal loans. Debt consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space.

Business Loans Commercial Loans

Good business finance is invaluable when purchasing and growing your business. Business and commercial loan options vary depending on whether you are a start-up or existing business. Whether you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, assistance from an expert commercial finance broker will be invaluable.

Low Doc Loans for Self-Employed Borrowers

If you are self-employed, it is essential that you use a mortgage broker who understands how to read financial statements when you are looking for a loan. Understanding company trust and corporate structures could be the key to obtaining the most cost-effective finance solution available. The reason I love my Job is because I get to meet different people, who live in different areas and are in different financial situations. I love finding the product requirements and helping every customer I meet it's about going over and above expectations, and delivering both the best product and service that your clients deserve.

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  • State: Victoria, VIC
  • Broker region: Melbourne Central
  • Suburbs: Cheltenham, Patterson Lakes, Aspendale
  • Josh Bartlett provides mortgage broking services in suburbs including but not limited to: Elsternwick, Sandringham Beaumaris, Cheltenham, Dingley, Aspendale, Chelsea, Pattersonlakes, Frankston, Mornigton, Aspendale, Edithvale, Mordialloc