Expert guidance you can rely on, for good.

JR Mortgages specialise in applying proven strategies that help you create wealth through property. We understand that finance is about more than money, and we work with you for the long-term to ensure you're on track to achieving your goals.

John Ruddick

John Ruddick is a distinguished finance broker, renowned for his expertise in crafting strategies that enable clients to purchase homes and advance up the property ladder. Recognized consistently as a Top 40 broker in NSW/ACT over several years, John's achievements highlight his dedication and proficiency in the industry.

We have some exciting news to share: John has been elected to the NSW parliament last May. While his primary focus is now his role as a member of parliament, he continues to play an active role in our company. As a founder of the business, he remains deeply involved in day-to-day operations. Additionally, John has transitioned from his role as a loan writer to focusing on training and recruiting new brokers, leveraging his extensive experience to mentor the next generation of industry professionals.

With a deep commitment to excellence, John Ruddick continues to be a trusted and highly-regarded figure in both the finance broking community and his new role in parliament.

Kelly Ruddick

Kelly Ruddick joined the company in 2007 after marrying John Ruddick. A distinguished graduate from Fukuoka University in Japan, she holds both undergraduate and graduate degrees in Economics, having achieved honours in her studies. Before joining the company, Kelly built an impressive career with Deloitte and Reuters, bringing a wealth of knowledge and experience to her current role.

Her focus areas include marketing, operations, recruiting brokers, business growth, and the digital transformation of the company. Her strategic vision and dedication have been instrumental in driving the company forward. Kelly's leadership style inspires her employees daily, making her a beloved and respected figure within the team.

In addition to her professional accomplishments, Kelly is a devoted mother of two. She enjoys going to the gym, listening to music, and spending quality time with friends. Her balanced approach to life and work makes her a valued member of the team and a role model for others.
Client-centric approach
Focused solely on  your best interests
Expert at creating compelling loan applications
Empowers you through education along the way
JR Mortgage Kelly Ruddick

Jonathan Rothbart

Jonathan Rothbart, originally from London, began his career in mortgage broking in the bustling financial hub of the UK and jointly running a successful London based mortgage brokerage. With a keen understanding of the market and a dedication to helping clients achieve their homeownership dreams, Jonathan quickly established himself as a trusted and knowledgeable mortgage broker.

Five years ago, Jonathan made a significant move to Sydney with his young family. Bringing his extensive experience and expertise, he joined renowned companies such as Lendi and Mortgage Choice, where he continued to excel in the mortgage broking industry. His transition to the Australian market was seamless, and he quickly became a valued member of the mortgage broking community in Sydney.

Jonathan is loved by his customers for his generosity with his time and his genuine care for their financial well-being. He is known for his fun and approachable demeanour, making the often-stressful process of securing a mortgage enjoyable and straightforward. His knowledge of the mortgage industry is beyond expectation, and his high closure rate speaks volumes about his ability to deliver results.

As a partner broker at JR Mortgages, Jonathan continues to be a passionate advocate for his clients, ensuring they receive the best possible advice and support throughout their home-buying journey.
Works in your best interests
Committed to open communication
Maintains the highest level of industry knowledge
Structures your lending to strategically achieve your goals

Our approach

We take a systematic approach to making sure you get the right finance solution, now and long into the future.

1. Discovering your needs

We meet with you to uncover your current financial situation, lifestyle, and short and long-term goals.
Understanding your goals and requirements
Analysis of your financial situation
Defining what you want in a lender

2. Analysing your options

We assess your requirements against the thousands of options available, and present you with recommendations based on your needs.
Assessment of loan products across more than 40 lenders
Comparison of your needs against bank policies
Presenting you with a competitive shortlist of options

3. Implementing the strategy

We liaise with the lender and guide you through the process, mitigating stress and uncertainty and preparing a compelling application.
Compiling and lodging all required paperwork
Negotiating with the lender for a positive outcome
Liaising with other professionals involved in the purchase

4. Reviewing your finance solution

We apply our up-to-date market intelligence and undertake regular loan reviews to ensure your finance continues to serve your best interests.
Yearly loan reviews
Ongoing education
Always only a phone call away

We'd love the opportunity to help you build wealth through property

Get in touch with our team to start the conversation
JR Mortgages John Ruddick

John Ruddick

John specialises in applying proven strategies that help you buy a home and climb the property ladder. He understands that finance is about more than money, and will work with you for the long-term to ensure you're on track to achieving your goals. He is a highly-awarded finance broker, having been recognised over many years as a Top 40 broker in NSW/ACT, and is unapologetic about working in his client's best interests.
Committed to open communication
Maintains the highest level of industry knowledge
Works in your best interests
Empowers you through education along the way
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