About Us

Sandra is the Managing Director of SJ Financial Services. She’s been involved in the finance broking industry since 1991 and has a close association with both the motor dealer network and multiple lender partners. Sandra started her own finance broking business in 2000 after a successful career managing a Sydney-based broker business in Newcastle. She loves starting the day with yoga or a walk on the beach with her family and dog Bella in tow. Sandra is married to Nat Jeffery who worked for NBN television for 28 years. You might remember him as the NBN weatherman and host of Today Extra. He also worked for 2KO doing surf and weather reports, and among other things, was a founder of Newcastle’s iconic Surfest.

Terry has a wealth of experience in the Finance Industry, going back to 1979, when he started with the State/Rural Bank. Terry’s been part of the SJ Financial Services family for over 12 years, and brings a high level of expertise, customer service and commitment to his role. Terry is our office “Evel Knievel” due to his love of motorbike riding (he once jumped 8 desks). Needless to say, “Danger” is his middle name. He also owns Hunter’s brother (from another mother) - his name is Al…….Al Sation.

Kristy has worked in the financial sector gaining invaluable experience in numerous positions, from administration to personal lending and senior support. Kristy’s knowledge of the industry allows her to serve our clients at the highest level and she’s a great asset to our team. In her spare time, she loves to bake cakes for family and friends. But not just any cakes – these are masterpieces fit for Masterchef! Kristy has two kids who love to get in the kitchen and help her bake…actually, they just like to help lick the bowl.

Chloe’s love of finance is complemented by her commitment to providing clients with the highest levels of service. Her youthful ambition and exuberance keeps us all on our toes! When not in the office in summer she likes nothing better than a relaxing day at the beach, hitting the waves. In winter, the gym keeps her active. Chloe might be our newest member of SJ Financial Services, but she has already proven to be a respected and important member of our team. 

Roman is our Finance Specialist operating out of Just Honk in West Gosford. With over 30 years experience in the motor industry, Roman knows cars and finance! If you're after some great advice, be it cars or finance, Roman has worked in all areas of the car retail industry. Take advantage of Roman's experience and drop into Just Honk to say Hi. He loves a chat and can offer some great advice.  Whether your finance needs are for private or business use, Roman really knows how to package a great deal with affordable repayments to suit your budget. 

Sam is our Melbourne Finance Specialist operating out of Just Honk in Laverton North. Sam loves nothing more than to see our clients driving away in their dream car with a great finance package, and that’s what he does best! So, if you’re in Melbourne, or even from another state for that matter, Sam has a wealth of knowledge in motor vehicle finance. Whether its for private or business use, Sam really knows how to package a great deal with affordable repayments to suit your budget. 

With over 30 years’ experience in the finance industry, Josanne brings a wealth of knowledge to motor & asset finance. Josanne is our Recreational Finance Specialist! Any toy you’d like to finance, from Jetski’s to Boats, Camper Trailers to Caravans or Motor Cross to Road Bike, she’s your girl! With a love of the great outdoors, Josanne loves helping our clients finance the fun side of life. She’s an outdoors girl herself who loves nothing more than camping in the great outdoors.