Finance Broking & Business Advisory · Brisbane · FBAA & MFAA Accredited
Most brokers read your Profit & Loss. I read your business.
I’m JB Fremy, a Brisbane-based finance and mortgage broker with hands-on experience in business finance, operations and cashflow management. From your first home in Morningside to equipment finance for your workshop or growth funding for your business, I help structure lending around your current position and your future plans.
Each service is designed to give clients clear, practical guidance backed by finance, operations and business experience.
For every eligible home loan of $300,000+ we settle, where the property or borrower is in an eligible suburb, JBF Solutions donates $200 to the Bulimba Community Centre. One donation per borrowing entity. Funded by JBF, never added to your loan.
Our community commitmentFrom home loans and investment finance to commercial lending, SMSF property finance and business operations, JBF Solutions covers the full spectrum of finance and advisory needs.
Mortgage Broking · Business Finance · SMSF Finance · Business Consulting
Each service is designed to give clients clear, practical guidance backed by finance, operations and business experience.
Home loans, investment property finance, refinancing and professional LMI waivers. Access to an extensive lender panel with structures suited to your situation, whether you're a first buyer, investor or medical professional.
Explore mortgage brokingCommercial loans, asset finance, equipment lending, business overdrafts and working capital solutions for self-employed owners and growing businesses. Finance structured to match your business cycle and growth plans, not a generic off-the-shelf product.
Explore business financeResidential and commercial property finance for self-managed super funds through a Limited Recourse Borrowing Arrangement (LRBA). Access to an SMSF lender panel with structures set up correctly for trustees, from the loan through to the bare trust.
Explore SMSF financeBusiness systems, cashflow management, process optimisation and operations consulting. Built on two decades of hands-on experience across finance, technology and operations, practical advice that works in the real world.
Explore business consultingJB Fremy brings more than two decades of finance, technology and operations experience to JBF Solutions clients. Accredited with FBAA and MFAA, JB works with individuals, professionals, investors and business owners to structure practical lending and business solutions.
JB's background spans lending, business operations and consulting, which means clients get guidance that accounts for the full picture, not just the product. When a self-employed owner hands JB their financials, he's looking at the margin trend across the last three years and the cashflow gap between invoicing and collection because that's what decides which lender says yes, and on what terms.
JB has personally gone through the process of buying a first home, purchasing an investment property, and later holding both properties as investments. This gives him a practical understanding of the decisions borrowers face, from loan structure and cashflow through to future flexibility.
"There are no problems, just opportunities and solutions."
JBF Solutions is accredited with the Finance Brokers Association of Australia and the Mortgage & Finance Association of Australia, giving clients confidence that advice, conduct and broker standards are backed by recognised industry bodies.
Finance Brokers Association of Australia. Membership signifies adherence to industry standards, professional conduct and ongoing education requirements.
Mortgage & Finance Association of Australia. A mark of professional standing in the finance broking industry, supported by strict compliance and ethics frameworks.
Australian Financial Complaints Authority. Clients have access to a free, independent dispute resolution service, providing an additional layer of protection and accountability.
Credit Representative No. 568424 | Purple Circle Financial Services Pty Ltd ACL 486112
Most brokers focus only on the loan. JB Fremy brings a business operator's lens to every engagement, understanding cashflow, operations and growth strategy alongside the finance structure.
Years across Business Finance and Operation mean JB reads financial statements the way a credit assessor does, identifying add-backs, margin shifts and cashflow patterns before an application is lodged.
FBAA and MFAA accreditation, AFCA membership and Credit Representative status give clients confidence in the advice they receive.
JBF Solutions compares options across an extensive lender panel to find competitive, well-structured solutions, not one provider’s limited product range.
JB grew up speaking French in New Caledonia. If you'd rather talk through a mortgage or business loan in French, you can, which is uncommon among accredited Brisbane brokers.
Every RBA cash rate announcement flows through to variable rates, fixed-rate pricing, serviceability and borrowing power — but not always the way the headlines suggest. JB Fremy explains the mechanics, and what's actually worth reviewing after each decision.
Rapid growth can break a profitable SME if structure, funding and systems lag behind. Learn the key warning signs and how to grow safely in Australia's 2026 landscape.
On 3 February 2026, the Reserve Bank of Australia (RBA) increased the cash rate target by 0.25{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d} to 3.85{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d}. In plain terms, the cost of money has risen again, and many lenders are already passing that increase through to variable business lending products.
Get an indicative estimate of your home loan borrowing capacity based on your income, expenses, and deposit. Results appear instantly, no email required. Built by JB Fremy using the same APRA-style serviceability model lenders apply.
Indicative only. Not credit approval. Subject to lender assessment.
Work with an accredited finance broker recognised by FBAA and MFAA.
JBF Solutions holds FBAA and MFAA accreditation, AFCA membership and operates under Credit Representative No. 568424, giving you confidence that professional standards are in place.
View AccreditationsBook a no-obligation strategy call with JB Fremy. Bring your questions, your goals or your numbers, and leave with a clearer picture of what's possible.
