Jacob Decru, Melbourne Mortgage Broker

Jacob Decru is a loan specialist and a highly regarded Melbourne mortgage broker with over two decades of experience in banking and finance. 

As the Director of LM Connect Mortgage Brokers, Jacob has developed expertise in the property market, the lending process, and investment strategies. This knowledge allows his loan experts to assist clients with various financial situations and types of loans, including those with irregular incomes, such as self-employed individuals, from pre - approval to settlement.

Jacob's team provide exceptional service, focusing on building long-term relationships with clients by offering outstanding service and personalised advice. Clients benefit from clear guidance and a smooth loan process. His dedicated team, including Laura Shanahan, Marty, Laura Sammon, and Laura Matotek, working with over 60 lenders to provide clients with a wide range iof mortgage options.

Jacob and his team bring vast experience in commerce and finance, giving them an edge in mortgage broking and knowing every loan process step. Unlike brokers tied to a single bank or a limited number of lenders, his firm works with various lenders, including non-bank lenders, offering clients a broader range of loan products. 

The loan process with Jacob is stress-free and straightforward, with educational guidance and hands-on support throughout. This personalised approach, constant market updates, and attention to clients' needs set him apart from other brokers.

Jacob Decru caters to a diverse range of clients, including first-time property buyers, savvy investors, professionals like mining and civil engineers, self-employed individuals, public servants, and those with non-traditional income sources. We offer finance solutions tailored to each client’s unique situation, goals, and future home-buying needs. 

Whether you're looking for simple home loans, alternative options, or more complex lending solutions, Jacob’s in-depth banking experience and honest advice make him an excellent choice.

Jacob and his team of expert Mortgage Broker Melbourne provide comprehensive loan services, including pre-approval assistance, navigating the mortgage approval process, and finding suitable loan options for various borrowers. 

We also provide insights into property values, ensuring clients make informed real estate decisions. 

With an extensive background in banking and finance, we're the experts in dealing with major home loan lenders like ANZ Bank, Westpac Bank, NAB, Adelaide Bank, Commbank and other Australian banks, to non-bank lenders in the lending industry, which often help our clients with poor credit history or unique needs.

Jacob Decru’s team of mortgage consultants and support extends beyond loan approval, including negotiation with lenders and ongoing industry updates. Our team provides ongoing assistance and expert negotiation to help you get the most competitive deal, and often an amazing deal that you might not find with the help of our industry experts - from managing loan repayments to offering insights into property values.

Our experienced brokers also regularly send our clients handy updates about the mortgage market and rate changes, keeping your well-informed. Our customer experience department is always available to answer questions and provide further advice as clients' circumstances evolve. Jacob’s company offers not just loan products but exceptional service and personalised financial advice.

Jacob’s team simplifies the loan application process by breaking it into clear, manageable steps. We handle paperwork, communicate with lenders, and provide regular updates to clients on their Mortgage & Finance needs, like ongoing loan health checks to compare existing lender rates with market-leading options, ensuring clients secure the best possible deal. 

Jacob’s licensed mortgage broker team also collaborates with over 60 lenders including banks like ANZ, Commonwealth Bank, Adelaide bank, Macquarie Bank, NAB, Westpac and lots more to secure conditional approval efficiently and remove the financial unknowns for our clients - making our team a highly valuable resources.

Jacob Decru and his team of independent home loan brokers take on the heavy lifting in the lending process, offering access to hundreds of loan programs, and with a background in banking and commerce, Jacob provides expert advice, negotiation skills, and market-leading loan rates tailored to individual situations. 

His experience in finance and lending institutions allows him to offer simple, easy-to-read steps for a successful loan application, even if your credit history or income structure is complex.

Jacob Decru Mortgage Agents also specialise in loan comparison shopping to find you the most competitive market rates. They guide clients through the pre-approval process, answering initial queries and providing credit advice to ensure financial readiness. Jacob's team assists in navigating the ever-changing mortgage market, streamlining complex paperwork, and negotiating with lenders for favourable loan terms. Using online home loan calculators, clients get a clearer idea of eligibility criteria and options for extra payments. With their combined experience, Jacob & his team offer a smooth loan approval process, valuable for mining engineers, self-employed individuals, or those involved in major construction projects.

Jacob's team of mortgage agents specialises in investment property loans by assessing each client's borrowing capacity and financial goals, providing expert mortgage advice on market dynamics, including property values and potential capital growth, helps clients receive competitive loan terms. 

He guides them through every step of the application process, from pre-approval to mortgage insurance, and simplifies paperwork and lender requirements to help clients achieve their investment objectives and get helpful advice at every step.

With a strong foundation in commercial lending, Jacob provides tailored solutions for clients pursuing commercial property or construction projects. 

We are adept at collaborating with project managers to identify suitable loan products and uses his negotiation skills to secure favourable terms. His network of major banks and alternative lenders allows him to present a wide range of finance options, making commercial lending more manageable for clients.

Jacob works with a diverse clientele, including first-time buyers, property investors, mining and civil engineers, self-employed individuals, and those with non-traditional income. 

Jacob's team offers tailored finance solutions to meet each client’s unique needs, whether for home loans, investment property financing, or more complex scenarios. His personalised approach and deep industry knowledge make him a preferred choice for borrowers seeking mortgage solutions.

Jacob understands the challenges faced by clients with fluctuating incomes, such as freelancers, self-employed individuals, or those in mining and construction. His approach involves a thorough assessment of their financial situation and strategies to strengthen loan applications. He leverages his connections with both major and non-bank lenders to provide flexible loan options, even for clients who may not fit the traditional lending mold.

Jacob advises clients to regularly review their mortgage in light of market fluctuations, property prices, and their own financial situation. He encourages a loan health check to compare their current lender's rates with more competitive options. Refinancing can offer lower interest rates, access to equity, or adjustments in loan terms. His thorough analysis ensures clients make informed, strategic decisions.

Jacob uses his extensive network with major banks, non-bank lenders, and financial institutions to negotiate favourable loan terms. He carefully examines each client’s financial situation, borrowing power, and future goals to present a strong case to lenders. His ongoing market research and insight into industry trends give his clients an advantage during negotiations, resulting in competitive interest rates and favourable conditions.

Yes, Jacob provides a range of services beyond traditional home loans, including commercial loans, personal loans, and investment property financing. For clients interested in commercial properties or construction projects, he offers guidance on suitable loan products and connects them with appropriate lenders. His team also advises on alternative home loan options, bridging loans, and bespoke finance solutions to meet each client's unique needs.

Jacob Decru and his experienced team provide ongoing mortgage support, including expert mortgage advisors to address adjustments in lending and refinancing opportunities. Whether dealing with traditional banks, major lenders, or non-bank lenders, Jacob's negotiation team actively works to secure the best deal for each client. They offer advice for side-grade homes, investments, and various financial products. With constant updates on market conditions and mortgage comparisons, Jacob ensures that clients are delighted with their loan outcomes, regardless of their background, credit score, or employment opportunities.