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Joy Finance

Updated 2026-08-01 · 5,295 reviewed · 601 listed · Scored from 16 Google reviews · How we rank ›

5.0(16) 68 low data composite score See reviews on Google ✓ Google-verified
Investment Property LoansMortgage Broker
Joy Finance
Services
Investment Property Loans, Mortgage Broker
Reviews
16

What recent reviews say

All 16 reviewers gave five stars. They consistently praise fast approvals (some within days or weeks), transparent fees, and major refinance savings. The team handled loan approvals even when banks had declined applicants, settling properties without issues.

Based on limited recent reviews, so treat this as low-confidence.

Praised for
  • professional and responsive throughout
  • fast loan approvals
  • excellent refinance outcomes with major savings
  • transparent pricing, no upfront fees
  • easy to work with, calm manner
responsive-communicationloan-approved-fastprofessional-and-honestsmooth-settlementwent-above-and-beyondpersonalised-servicegreat-for-first-home-buyers
Best for: First home buyers and property investors seeking fast approvals and transparent refinancing advice.

Strengths

  • Fast approvals within days or weeks
  • Transparent fees with no upfront charges
  • Significant refinance savings documented (up to 10K per year mentioned)
  • Handles declined bank applicants

What reviews say by service

Investment Property Loans
Clients settled multiple investment properties without issues and reported major refinance savings.
Mortgage Broker
Fast approvals within days to weeks, transparent fees, handled applicants declined by banks.

How it compares

  • Rated 5 against a 4.96 average across the 321 investment property loans businesses listed here.
  • Has more Google reviews than 22% of the businesses in this directory.

How we scored this

How We Score
Star rating 98
Review volume 53
Review recency 0
Review sentiment 65
Profile completeness 100
Verification 30

Rating breakdown

5
16
4
0
3
0
2
0
1
0

Common questions

How fast can Joy Finance approve a loan?
One client was approved within 5 days of submission. Another had a refinance approved in under 3 weeks from start.
What does Joy Finance charge?
No upfront fees. Reviewers noted the fee quoted was much less than other brokers.
Can Joy Finance help if a bank has declined me?
Yes. One reviewer was declined by their bank, contacted Joy Finance, and had a loan approved.
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Last updated 2026-08-01