Our services
Whoever you are, we can help!
First home buyers
We’ll leave you to enjoy the excitement of your first purchase, while we sort everything out in the background. We can help you understand the process of buying a house, how much you need (and when you’ll need it), repayment options, and how to avoid mortgage insurance while also showing you ways to reduce your debt as quickly as possible!
Owner occupiers
You have a great home, but what makes a great loan? The best thing you can do with debt is to get rid of it! We can show you how to use the benefits of increased repayments, offset accounts and salary credits to pay down your debt, while keeping flexibility to have access to additional funds or make changes for the future, such as renovations, upgrading your car, investments or that holiday you have been promising yourself.
Investors
For investors, having the right structure is crucial to maximise tax effectiveness and simplify accounting. We can help with split loans, interest only options with the ability to make additional payments if required, offset accounts to maintain the original purpose of loan, and the ability to transfer balances for future purchases or any changes in the future. Accountants advice on correct structure is always recommended. We are always available to confirm structure directly with accountant whenever possible.
Renovators
Measure twice, cut once. The correct structure on your loan allows you to move at your own pace rather than needing to revisit lenders for adjustments as your project evolves. We can help maximise your borrowings to access funds on your terms, ensure interest is charged on the outstanding balance only and guarantee a minimal interest charge with fully featured options, such as offset account, additional repayments, and repayment frequency options.
Whatever your goals, we have a plan!
Refinancing
The only constant in life is change - we’ll help you make it a change for the better. We can review your current structure to assess the value of refinancing, whether it be for a better rate, better people, better services, or a better product. We can make sure you have more flexibility, for more control, including options that enable additional and/or simplified repayments. We can help consolidate your debts or increase your loans for additional purchases, such as a new car or renovation.
Debt consolidation
Transform multiple repayments to multiple lenders (at ridiculous rates) to a single repayment at low home loan interest rates. We can help you simplify your life and reduce your interest charges, and help you find the right level of access to your funds to achieve your goals.
Mortgage minimisation
The best thing to do with debt is get rid of it – FAST! If your focus is to pay off your loan in the shortest amount of time, we are the perfect number nerds to help you. If you have the commitment, we have the structure. We can suggest the best strategy to pay money off your loan as quickly as possible; and help you make your money work harder through offset accounts. And we’ll help you stay on track with regular reviews.
Small business is hard - we can help!
You’ve got enough on your plate, so let us make your loan simple but effective.
We can help implement the right structure for your business, including splitting business and personal loan, and planning for increased limits at standard home loan rates (no commercial criteria for servicing and residential LVR limits, rather than tougher commercial limits), so you have a safety net for unforeseen changes. We can work with your accountant to make sure the final loan structure is as effective as possible, and fit for your business, both now and into the future.
“I've been a customer of Oracle Home Loans since its start up in 2002. From the outset, their service was beyond expectations and always delivered with a sense of warmth and pride. While quick turnaround times, ongoing communication and resourcefulness in seeking loans that best suit our needs are hallmarks of their service, their commitment to meet any deadlines enabling us to take advantage of business opportunities presented, is where we have seen enormous value in remaining long term customers of the business. I expect ALL customers of Oracle Home Loans feel they are the business's first priority. They are."
- Peter W