About JLM
Simple solutions for complex structures.
If your income runs through a company, a trust, dividends, or a handful of entities, you’ve likely met the limits of mainstream lending; it’s built for simple applications, not for how self-employed professionals earn. JLM exists for that gap.
Why JLM Exists
Julia Martinelli founded JLM in late 2023 after over a decade as a Macquarie Business banker and an accountant.
That experience shaped a simple belief: complex transactions get better outcomes when they are properly understood, structured and positioned from the outset.
JLM pre-assesses every transaction, covering structure, security, and servicing, before it reaches a lender, so there are no surprises.
The JLM team draws on close to fifty years combined experience in finance, banking, and client service.
Empowering you to grow lasting wealth AND realise dreams.
We specialise in turning complex lending challenges into simple solutions. As the go-to finance brokerage for high-net-worth and self-employed professionals, we simplify your financial journey.
Who We Work With
Higher-income, self-employed professionals and business owners across Australia; people whose time is worth more than the headache an unplanned, poorly structured finance process usually costs them.
How We Work
Certainty
Every deal pre-assessed before it reaches a lender.
Clarity
You and your advisers kept informed at every stage.
Confidence
A smooth transaction, start to settlement.
Connection
A broad network of lenders and professional partners matched to your situation.