About Us

Guiding Australians to smarter lending

About JDH Financial Group

At JDH Financial Group, we’re committed to helping Australians build wealth through property. Whether you're buying your first home, refinancing, or growing your investment portfolio, we provide tailored financing solutions to help you achieve your goals.

Our support extends beyond the initial loan settlement, offering ongoing mortgage management and strategic advice to ensure long-term financial success. We’ve built lasting relationships, with many clients returning to us for six plus years and referring others to our trusted guidance.

Expert Guidance

We listen to your goals and provide advice tailored to your financial needs.

Wide Lender Access

We work with over 36 trusted lenders to find the best loan options for you.

Quick & Easy Process

With our 99% approval rate and paperless application, we ensure a smooth and quick application process.

Meet our lending specialists

Our Team

Jonathan Harris
Founder & Managing Director – JDH Financial Group

Qualified Mortgage Broker | Passionate Property Investor

Jonathan Harris is the founder and managing director of JDH Financial Group, a boutique mortgage brokerage committed to helping everyday Australians achieve long-term financial freedom through smart, strategic property investment. As a qualified mortgage broker and active property investor with a multimillion-dollar portfolio, Jonathan brings clients practical, real-world expertise—not just theory. Whether guiding a first home buyer, a time-poor professional, or a seasoned investor, he applies a forward-thinking, results-driven approach to every scenario, helping clients build and scale their property portfolios with confidence.

Jonathan is passionate about implementing tailored lending strategies that align with each client’s financial goals, risk profile, and long-term investment vision—ensuring they’re positioned for sustainable success. Supported by a trusted team of property, finance, and legal professionals, he offers a holistic service that removes guesswork and empowers clients to make smarter, faster decisions on their path to wealth creation.

Caryn Cosentino
Client Relationship Manager – JDH Financial Group

Qualified Mortgage Broker

Caryn Cosentino is the engine behind the client experience at JDH Financial Group, overseeing every stage of the lending process with precision, care, and a personal touch. As Client Relationship Manager, Caryn plays a critical role in managing applications from start to finish—ensuring nothing falls through the cracks and that clients feel supported every step of the way.

With a strong background in business and operations management, Caryn brings structure, efficiency, and calm to what can often be a stressful process. She seamlessly coordinates between clients, lenders, and stakeholders, juggling deadlines and priorities with ease while maintaining JDH’s commitment to service excellence.

Though she entered the mortgage industry by chance, Caryn found her niche and passion in helping clients succeed. Now a fully qualified mortgage broker, she blends technical expertise with a hands-on, client-focused approach—making her an invaluable asset to the JDH Financial Group team.

Tailored Lending Solutions

We connect you with the right lender, secure the most competitive interest rates, and craft a loan structure perfectly aligned with your unique circumstances. Our commitment goes beyond paperwork—we're here to empower your property journey and help you achieve financial success.

Smart finance, whoever you are

Who We Help

First-Time Home Buyers

We specialise in guiding first-time home buyers through the process, helping you access government grants like the First Home Buyer Grant and navigate financing with as little as a 5% deposit.

Growing Families

As your family grows, so do your housing needs. We help families leverage their existing equity to upgrade to a larger home or secure financing for the perfect family property, ensuring a smooth and financially sound transition.

Investors

We specialise in helping property investors build wealth through property. Whether you're expanding your portfolio or purchasing your first investment property, we provide tailored financing solutions and expert advice to help you achieve long-term financial success.

Professional Services

Tailored lending solutions for legal and financial professionals — including lawyers, judges, accountants, CFOs, and more. We understand your income structure and provide finance options that suit your goals.

Medical Professionals

We provide exclusive financing options for medical professionals — including doctors, psychiatrists, nurses, optometrists, and more. Our tailored "medico loans" can offer benefits like potential LMI waivers and lower interest rates designed to align with your unique career path and earning potential.

Private Clients

For high-net-worth individuals with significant assets and complex financial needs, we provide bespoke mortgage solutions. Our team offers flexible, customised financing options that cater to your unique financial situation, ensuring optimal rates and loan structures.

Business & Commercial Clients

We help businesses secure financing for growth, equipment, and operational needs. Whether you require a business loan, commercial property loan, or vehicle and equipment financing, we can support your business expansion and cash flow management.

Our Process

1.

30-Minute Discovery Call

We start with a quick, no-obligation discovery call to understand your homeownership goals and financial situation.

2.

Fast, Paperless Data Collection

We guide you through a quick and seamless data collection process which is 100% online.

3.

Initial Assessment & Follow Up

We meet to review your information and verify the details before moving forwards.

4.

Strategy Presentation

We meet to present a clear and tailored strategy for your home loan. We’ll outline your options and make sure the plan aligns with your financial goals, providing you with a

5.

You Approve, We Deliver

Once you’re happy with the outlined strategy, we get to work on your home loan process—from submitting applications to securing approvals—ensuring a smooth experience so you can move forward confidently.

Explore your lending options today

Get tailored advice and access to leading lenders.

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Customer testimonials

Read reviews from our happy clients.

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