Elevating your finance Journey with Unmatched Service and Expert Guidance
At Oasis Home Loans & Finance, we’re dedicated to ensuring your loan journey is seamlessly stress free. From residential mortgages covering home purchases, refinancing, and construction loans, to specialised solutions for first home buyers and low deposit home seekers, we guide you through every step of the way. Our expertise extends to non-residential purpose loans including car and asset loans, personal loans, business, and commercial loans. Experience a personalised approach with us, whether you’re a seasoned investor or a first home buyer.
For a variety of residential loan needs, we offer assistance with:
– Assistance in purchasing homes or investment properties.
– Solutions for refinancing existing home or investment loans.
– Tailored loans for building, renovating, or purchasing house and land packages.
– Specialized support and loans for individuals buying their first home.
– Assistance for buyers with lower-than-standard deposits.
– Loans backed by family or government schemes, aiding first home buyers or families.
– Lenders Mortgage Insurance waivers specifically designed for professional industries like Accountants, Legal Professionals, and Medical Professionals.
– Loans tailored for individuals who aren’t citizens or permanent residents
– Solutions to consolidate debt or release equity from existing properties.
– Tailored loan options addressing various unique residential needs or situations.
Our services extend beyond the showcased examples.
OTHER LOANS
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Vehicle & Equipment Finance
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Personal Finance
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Commercial Property Finance
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Unsecured Business Finance
ABOUT US
Our commitment goes beyond transaction—it is about creating an unparalleled experience for you
Led by Chanae Gibbs, our team redefines the finance journey. Immerse yourself in a world where personalized service meets over a decade of industry expertise, ensuring a stress-free financial path tailored uniquely to your aspirations. Discover the Oasis advantage, where every dream finds a home in our solutions.
As the founder and director of Oasis Home Loans & Finance, Chanae Gibbs brings over 10 years of extensive experience in the finance broking industry. The name ‘Oasis’ reflects Chanae’s commitment to delivering an informed and tailored home loan experience, aiming for a seamless and stress-free process.
Chanae prides herself on exceptional customer service and fostering enduring client relationships. Her business has flourished solely through referrals from business partners and satisfied clients, showcased in our outstanding reviews.
A referral speaks volumes about satisfaction, emphasizing Chanae’s dedication to making the loan process seamless. She remains highly accessible, ensuring prompt client responses and meticulous attention to detail. Chanae conducts thorough assessments of clients’ financial positions, goals, needs, and long-term plans, ensuring a smooth lending process.
Having transitioned from banking, where she initially assessed and approved loans, Chanae embraced the role of a Finance Broker over a decade ago. This shift allowed her to intimately share in the emotional journey and joys of homeownership and financial growth with her clients.
Her passion for the industry and analytical background position her as a leader in mortgage and finance broking, retaining a preference among referral partners and clients.
Find your financial oasis with Oasis Home Loans & Finance – where tailored solutions meet stress-free lending. Contact us and get started on your journey today
OUR TESTIMONIALS
Chanae was extremely helpful at all stages of the process of securing a new mortgage and refinancing our current one. Ours was a slightly complex financial situation and she was able to get us a great deal. Unfortunately she went on holiday right around settlement and there were numerous issues around that time but Chanae was always responsive and helpful in helping to get the issues resolved – hopefully it didn’t impact her holiday too much. We look forward to working with Chanae again in the future and would highly recommend her to our friends.
Shali Moves
I highly recommend Chanae from Oasis home loans if you are looking for an efficient, reliable, knowledgeable and friendly Mortgage broker. My experience with Chanae has made the process so smooth and easy with her guidance. She is amazing at what she does and takes all of the effort out of the process for you. I couldn’t fault my experience with her for my recent home loan and new build experience, I will be definitely be using her in the future.
Nikita Gyorgy
Chanae helped me through the process of getting my first home. She was very knowledgeable and helpful throughout the process, and guided me through every step. It was good to have a trusted broker to break down all of my options and do all the hard yards for me while working away. Highly recommend Oasis Home Loans!
Beth Cheney
Chanae has been part of our property journey for the best part of a decade now. You won’t find anyone quite like her in the Industry. Whenever we need professional mortgage advice, highest diligence and time sensitive applications or a deep technical understanding financing and winning at mortgage repayments/lender selection she is there ready to support us. My wife and I cannot recommend her highly enough. Thanks for making it so easy and always being there for us Chanae. 6 stars!
Pete B
FREQUENTLY ASKED QUESTIONS
Selecting the right loan involves assessing your specific requirements, financial situation, and goals. Our team specializes in understanding your needs and guiding you through the best-suited options.
Eligibility criteria vary depending on the loan type, including factors such as credit score, income, employment status, and financial history. Our experts evaluate your circumstances to determine eligibility. Documentation requirements differ for each loan type. Generally, you’ll need identification, proof of income, bank statements, and details pertaining to the loan purpose. Our team tailors a comprehensive list based on your specific loan application.
Yes, it’s possible. Some loan types have flexible options for individuals with lower credit scores. We work with various lenders to explore suitable options that match your circumstances.
For home loans, there are typically no costs associated with using a broker. These costs are not concealed within your loan, and there are no extra expenses compared to going directly to a bank. However, for other purposes like asset or equipment finance, there might be costs involved in using a broker. Transparency is paramount to us. We provide comprehensive details regarding fees, charges, and any prepayment penalties linked to the loan. Our aim is to ensure our clients have a clear understanding of all associated costs.
Your borrowing capacity depends on various factors such as income, expenses, credit history, and more. Our team evaluates your financial situation to determine the maximum loan amount you’re eligible for. Additionally, we’re here to discuss strategies that could help enhance your borrowing potential.
Deposit requirements vary based on loan types and individual situations. First home buyers often require less due to specific benefits. Typically, deposits can start from as little as 2%-5% of the property’s purchase price. We provide detailed guidance on deposit requirements tailored to your specific circumstances.
We provide a comprehensive guide through the home buying or building process. Beginning with discussions about your borrowing capacity and budget, we assess deposit requirements. If suitable, we assist in choosing preferred loan options and navigate the application process, supporting you from submission to settlement. During construction, we clarify repayment structures, explaining plans and amounts, which can start from as little as $200 per month, however, typically as interest-only on the loan balance. Once construction concludes, the loan typically transitions to full repayments.
We provide an overview of low, or no deposit loan options, explaining their eligibility criteria and functionality. Low deposit loans typically enable borrowing of up to 95-98% of the property value, while no deposit options, like family guarantee loans, could allow borrowing up to 100% of the property value plus costs.
We outline the benefits, incentives, and grants accessible to first home buyers to assist you in leveraging these opportunities. These may include stamp duty concessions based on security type and purchase price, the First Homeowners Grant for newly built homes, and the First Home Loan Deposit Scheme, a government initiative aimed at reducing required deposits.
Certain professions might qualify for lenders mortgage insurance waivers. We assess the eligibility and options customized to your profession. For instance, professions in the medical industry like Doctors, Nurses, Dental Practitioners, etc., as well as legal professionals such as Lawyers, Solicitors, and Accountants, may potentially qualify for such waivers.
Leverage your property’s equity for diverse purposes. We’ll assess your current equity position, determining available options to support your goals—whether it’s acquiring another property, consolidating debt, or accessing funds for home renovations. Our guidance ensures understanding of benefits, considerations, and alignment of new loan with your borrowing capacity.
