AeFin is the trading name of Aubelia Enterprise Pty Ltd (ABN 41 152 273 464). We operate as an Australian Credit Representative (CR 464548) under Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704). We work with clients across Australia who want their borrowing to do more than simply fund a purchase — they want it to build wealth.

Why AeFin

Most finance broking is transactional: find a loan, settle it, move on. We take a different view. We see credit as architecture. The way debt is structured across your entities, your assets and your timeline can be the difference between a portfolio that stalls and one that compounds. That perspective sits at the centre of everything we do.

We provide general credit assistance and structuring guidance — not personal financial product advice. Our role is to help you understand how lending can be organised intelligently in support of a longer-term wealth outcome.

Our Approach

We start with the outcome you are working toward, then design the credit structure to serve it. That means thinking about how loans, ownership entities and assets fit together as a whole, rather than assessing each application in isolation. It is a more deliberate, more strategic way to borrow.

Who We Help

Our work tends to fall into three areas:

Who We Are

AeFin is led by Juan Jeffery, an SMSF Credit Architect who came to finance from the other side of the capital stack.

Across more than three decades in mining, resources and infrastructure spanning Australia, Papua New Guinea and Africa, Juan was a company director and operations executive on assets that had to survive loads, audits and weather that had never been tested. At BHP's Ok Tedi in Papua New Guinea he was Mines Manager of the Bige operations — the dredging and remediation programme downstream of the mine — which he ran from development through to the rehabilitation of the Ok Tedi and Fly river systems, and he co-authored the case-history paper that became a standard reference for riverine tailings management. As Executive Director of Nickel Australia at First Quantum Minerals he took the Ravensthorpe mine and processing plant from a standing start through full commissioning and ramp-up — a US$300 million investment, plus US$80 million of re-engineering he largely steered on stepping in — to more than US$3 billion of revenue in the first twelve months. He served as Chief Operating Officer and Executive Director of ASX- and TSX-listed Chalice Gold Mines, with director responsibility for Africa, and was appointed Executive General Manager – Mining Operations at ASX-listed Axiom Mining. At a corporate level he was a Sarbanes-Oxley signatory for BHP's Aluminium and Manganese Customer Sector Groups across all sustaining capital, and sat on the project steering committee for growth capital. Earlier he held senior management roles at BHP Billiton and Rio Tinto's Comalco, with operational experience at Porgera and Ok Tedi, and served as Senior Vice President and Executive Director, Resources at URS and in senior consulting engineering at Parsons Brinckerhoff.

That work was governed, not improvised: capital stacks engineered line by line, fiscal governance imposed to audit grade, profit treated as a designed output rather than a target. Juan brings the same discipline to SMSF lending today — engineer the structure first, govern it so it holds, and let the outcome follow.

Juan is also the author of Beyond Limits, now in its AI Edition, Phantom Jam and Structure Beats Prediction.

If you would like to explore how your borrowing could be structured around a clearer wealth outcome, we would welcome the chance to talk it through with you in a strategy session.