John Ruddick Home Loans

JR Mortgages

For a home loan you can live with

Building wealth through property for a life on your terms.
Kelly Ruddick

Meet our director

JR Mortgages is headed up by Kelly Ruddick. Kelly is a distinguished graduate from Fukuoka University in Japan, and holds both undergraduate and graduate degrees in Economics, having achieved honours in her studies. Before joining JR Mortgages, Kelly built an impressive career with Deloitte and Reuters, and brings a wealth of knowledge and experience to her current role.

Kelly combines strategic thinking with a genuine desire to help Australians get a better deal from the banks. Her unflinching commitment to doing the right thing by our clients has earned her a solid reputation in the finance industry and amongst the clients we serve.

What our clients say about working with us

Tom H
Tom H
21 February 2025
Kelly and the team at JRHL are always very helpful and fast with their responses. Been with them for over 7 years and will continue to use their great services.
Tahnee-lauren Van damme
Tahnee-lauren Van damme
14 January 2025
Helped me buy my first home is 2013, without John wouldn't of been possible. My interest rate ended at the start of the year and Jonathan Rothbart was very helpful. Kelly made sure that the rate that they negotiated with the bank went through promptly. Will definitely continue working with them in the future for any other plans.
John Nugent
John Nugent
13 December 2024
Highly recommended, great support and efficiency to help you through the process.
Leigh Butler
Leigh Butler
26 November 2024
I have been a client of JR Mortgages for some time now and am very happy with the service provided. I have save thousands of dollars based on advice provided by JR Mortgages. Hi highly recommend!
Nick Berman
Nick Berman
29 October 2024
Excellent experience. John and Jonathan are excellent mortgage brokers who know their stuff.
Dougal Cameron
Dougal Cameron
27 September 2024
Jonathan from JR mortgages was great. I had quite a tricky application due to being self-employed for less than 2 years with varying income month-to-month, and being in the market for a <40sqm studio. Despite getting rejected we continued to find alternative paths until I got the approval I needed.
Deborah Richards
Deborah Richards
26 September 2024
I have found JR Mortgages to be very professional and knowledgeable in my dealings with them for nearly two decades. They keep me uptodate with opportunities to better manage my mortgages and are generous with their time and advice, regardless of whether I proceed or not. I find that they always act in my best interest, rather than pushing a product, and are completely honest and trustworthy in all dealings and information provided. They are also very helpful in arranging necessary paperwork and processing, minimising the effort on my part. I have not hesitation in recommending them to others and have recommended them to family members in the past.
Natasha Kahn
Natasha Kahn
23 September 2024
John, Jonathan and Kelly at the JR team are wonderful. They assisted me with my home purchase in 2018 and have been very helpful with advice for a future purchase.
Tim James
Tim James
23 September 2024
Jonathan has been outstanding to work with and we’re grateful. Nothing is too much trouble and he has deep knowledge, excellent service and strong understanding of client’s needs. His service is outstanding and we’re happy to recommend him.
Mollie Clyma
Mollie Clyma
22 September 2024
We couldn't recommend Jonathan enough! He was incredibly patient and very knowledgeable, guiding us through his process every step of the way. We've loved working with Jonathan so far and look forward to continuing the relationship.
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