Jay Coakley

About Jay Coakley

Jay Coakley is a qualified Mortgage Broker and the founder of Luxe Finance Group, based in West Perth, WA. Widely known as the Debt Recycling Broker, Jay specialises in debt recycling strategies, commercial lending solutions, and leveraged property portfolios for clients across Australia. What sets Jay apart from most Perth mortgage brokers is that he conducts business fluently in both English and Chinese Mandarin (普通话), holding a formal HSK 5 Mandarin qualification. This makes him a trusted choice for Chinese-speaking clients and Mandarin-speaking borrowers across Perth and Australia who want to discuss their lending needs in their preferred language.

As the Debt Recycling Broker, Jay helps Australian homeowners and investors convert non-deductible home loan debt into tax-deductible investment debt, accelerating the path to financial freedom. This powerful strategy, known as debt recycling, is one of the most effective ways to build long-term wealth through property. If you are searching for a debt recycling broker in Perth or anywhere in Australia, Jay has the knowledge and lender connections to help you structure your finances with confidence.

Through Luxe Finance Group, Jay has built an award-winning, MFAA-recognised firm with experience spanning Australia, Asia, and the Pacific Islands. As a member of both the MFAA and AFCA, Luxe Finance Group operates to the highest professional standards in the industry. Whether you are a first home buyer, a property investor, a business owner, or a professional in fields such as medicine, law, accounting, or dentistry, Jay takes the time to understand your goals and structures a lending solution around them.

Jay works with a panel of over 35 banks and lenders across Australia, giving clients genuine choice across home loans, investment loans, construction loans, SMSF loans, bridging loans, low doc loans, expat loans, self-employed loans, interest-only loans, private funding, vacant land loans, and commercial lending. His thorough understanding of interest rates, loan to value ratio (LVR), lenders mortgage insurance (LMI), offset accounts, fixed and variable rate structures, and borrowing capacity means you always receive clear, practical guidance at every stage.

Jay also assists clients looking to refinance, release equity, consolidate debts, or explore rentvesting as a wealth-building strategy. Whether you are expanding your property portfolio, upgrading your home, or taking your first step onto the property ladder through the Home Guarantee Scheme, Jay structures your lending to support your long-term position from day one.

From your first enquiry through to pre-approval, formal approval, and settlement, Jay oversees a smooth and transparent loan application process. He walks you through loan repayments, stamp duty, credit history considerations, and everything in between, so you can make informed decisions about your financial future without the stress.

Jay Coakley is available 24/7 and proudly serves clients across Perth and surrounding communities, including residents in Canning Vale, residents in Perth, residents in Fremantle, residents in Rockingham, residents in Morley, residents in Ellenbrook, residents in Joondalup, residents in Mosman Park, residents in Mandurah, residents in Bicton, residents in Palmyra, residents in Ellenbrook East, residents in Aveley, residents in The Vines, residents in Henley Brook, residents in Brabham, residents in Bullsbrook, and residents in Upper Swan. Jay also works with clients nationwide via phone and video conference, and is equally comfortable conducting consultations in English or Mandarin Chinese.

Whether you need a Perth mortgage broker, a Mandarin-speaking mortgage broker, a debt recycling broker, an SMSF lending specialist, or a commercial lending professional, Jay Coakley at Luxe Finance Group is ready to help. Contact Jay today and take the next step in your property and wealth-building journey.