JR Mortgages

For a home loan you can live with

Building wealth through property for a life on your terms.

How we help

An end-to-end home loan service to help you
create a more secure financial future

Taking that first step up the property ladder can feel daunting, which is why it pays to have the industry experts in your corner. We help you navigate the finance maze.

Buy my next home

Whether you're after a fixer-upper, or are eyeing off your ultimate dream home, we can help you leverage your hard-earned equity to buy your next property.

Refinance my loan

The loan product that suited your needs five years ago, may no longer be your best option. It makes sense to take advantage of our up-to-date finance expertise.

Restructure my debts

Feeling overwhelmed by debt? Whether you want to reduce your monthly repayments or pay your debts down sooner, we'll help you restructure your obligations.

John Ruddick

Meet our director

JR Mortgages is headed up by award-winning mortgage broker John Ruddick. John is an impeccably-credentialed broker who combines strategic thinking with a genuine desire to help Australians get a better deal from the banks. His unflinching commitment to doing the right thing by his customers has earned him a solid reputation in the finance industry and amongst the clients he serves.

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What our clients say about working with us

Violeta Srdanovic

3 September 2023

Great service when I refinanced my home loan and great support since. Most recently Kelly negotiated a lower interest rate on my loans. Couldn’t be happier. 100% recommend!

David Supeljack

29 August 2023

John has been incredibly helpful & generous with his experience and advice in the field, knowing how to navigate through mortgage lenders and the housing market in general. Kelly is also a gem at dealing with lenders to negotiate competitive rates to optimise best value. I can't recommend highly enough.

Carla Pecorella

21 August 2023

John and the team are very professional and knowledgeable. We have been customers since the purchase of our first home. John has always been available to answer all our questions and took the time to understand our needs and preferences as our circumstances changed throughout the years. He provided guidance and recommended lenders with the best interest rates and negotiated on our behalf. Both my husband and I highly recommend!

Stephen Troilo

17 August 2023

John and Kelly are superb. Experts in their field and true advisors, combined with excellent service; always doing best for their clients, keeping you informed and partnering with you every step of the way. Absolutely no hesitation recommending the JR Mortgages team!

Coran Lill

25 May 2023

Excellent team. Proactive in negotiating better rates. Sound advice over a long period. High levels of customer service and expertise. Cannot recommend highly enough.

Kirsten Lynn

29 April 2023

John and Kelly have been wonderful. They did a great job helping us refinance our home and investment property loans. They know the market and how the different banks work. When our investment loan rolled off fixed, they did a fantastic job of getting us a better rate with our existing bank.

Adam Mein

11 April 2023

John and Kelly have guided us through multiple house purchases and mortgages and we'll absolutely continue to use them for any refinancing or future purchase! There's a few things that stand out: 1) helping navigate and explain (in plain language!) the many confusing aspects of mortgages and -- more generally -- purchasing a property. 2) frequent check-ins with our bank to negotiate a lower rate every 1 year or so. This has literally saved us thousands of dollars. 3) high quality customer service (responsive and clear) whether it's in-person, over email or the phone

Amit Alampally

5 April 2023

We have been working with John and Kelly's team for more than 5 years. Always been impressed by their customer-focus that they proactively take actions on their behalf. Never had a challenge finding timing to share their advice and guidance in navigating new mortgage or extending a mortgage (for renovation). Highly recommend their partnership.

Richard Henson

29 March 2023

John and Kelly with JR Mortgages are the BEST in the business. They are both professional, incredibly responsive and exceptional communicators. Importantly, it always feels like they're on your side and doing what they can to achieve the best possible finance result. I would (and do) recommend John and Kelly to anyone seeking property finance.

John Ruddick Home Loans

For a home loan you can live with

How we help

Meet our director

What our clients say about working with us

Finance news and insights

Lifestyle inflation and what to do about it

How much does it cost to purchase a property

How to talk to your children about money

The great intergenerational wealth transfer

JR Mortgages

I want to…

Additional links

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John Ruddick Home Loans

For a home loan you can live with

How we help

Meet our director

What our clients say about working with us

Finance news and insights

Lifestyle inflation and what to do about it

How much does it cost to purchase a property

How to talk to your children about money

The great intergenerational wealth transfer

JR Mortgages

I want to…

Additional links