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ABOUT JONNY 

From the fairways to 
finance. I understand your
game.

 I’m Jonathon Lennard — Jonny to everyone — founder of JL
Mortgage Services, recovering banker, and the mortgage broker
for golf enthusiasts.

Book a 15 minute chat

The moment that started it

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Almost fifteen years ago I was a first home buyer having a “what happens now?” moment, after something completely out of my control went wrong. A broker got me through it. I’ve never forgotten what that felt like from the client’s side of the desk.

 Not by design, I then found myself inside one of Australia’s major banks, and stayed more than twelve years — writing loans, then managing a lending team. I saw the machine from the inside. And I watched too many good people get knocked back, passed around, or given exactly one option, because that’s all a single bank can ever offer.

That’s why JL Mortgage Services exists: so anyone — simple situation or complex — gets the options and the service they deserve.

Today I specialise in solution-based lending for every kind of borrower: first home buyers finding their feet, families upgrading, investors building portfolios, and especially self-employed clients with income structures that make banks nervous.

The complex ones are honestly my favourite.

12+
years inside a major bank

30+
lenders on the panel

$0
cost to you, ever

2×
yearly check-ins, plus a full annual review

The golf bit

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As the tagline suggests, I love golf. When I’m not helping clients, you’ll find me on a course somewhere — chasing a handicap that doesn’t want to be chased, playing with the same group of mates I’ve had for years, and occasionally letting a round talk me into a business idea.

Golf taught me most of what I know about lending, as it happens: preparation beats talent, course management saves more shots than power, and the right advice at the right moment changes everything. If you’re a golfer, we’ll get along famously. If you’re not, you’ll never hear about it again — promise.

Every golfer has their stage. Every borrower does too.

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Whether you’re picking up a club for the first time and want to learn the basics, a first home buyer who can hit the ball but needs help keeping it straight, buying your second place and
ready to lower your handicap, or a seasoned player with a portfolio chasing a course record — the right guidance makes the difference between playing it safe and playing your best.

Ready when you are

Whether you’re ready to buy or just working out where you stand, the first step is the same fifteen-minute conversation. It costs nothing to have it  early.

Book a 15 minute chat