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 Personalised Finance Solutions

HOME LOANS

Supporting Your Finance Journey with Personalised Service and Clear Guidance

At Oasis Home Loans & Finance, we provide personalised guidance to help you understand your lending options and navigate the finance process with confidence. We assist with a range of lending needs, including home purchases, investment properties, refinancing and construction loans, as well as options for first home buyers and those purchasing with a smaller deposit. We also assist with a range of other finance needs, including car and asset finance, personal loans, self-managed super fund (SMSF) lending, and finance for business and commercial purposes. Whether you’re buying your first home, refinancing an existing loan, purchasing an investment property or exploring finance for other needs, we take the time to understand your circumstances, discuss available options from our panel of lenders and support you throughout the application process.

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

ABOUT US

A Personal Approach to Finance

Oasis Home Loans & Finance is led by founder and director Chanae Gibbs, supported by a team committed to personalised service and building lasting client relationships.
With over a decade of experience across banking, credit assessment and finance broking, Chanae brings a well rounded understanding of the lending process and the importance of finding finance options suited to each client’s circumstances. We take the time to understand your goals, explain available options and guide you through the application process, from your initial enquiry through to settlement and beyond.
The name Oasis reflects our approach to finance: creating a welcoming place where you can ask questions, explore your options and feel supported throughout your finance journey.
Whether you’re purchasing your first home, building, refinancing, investing in property, financing a vehicle or other asset, or exploring finance for your business, we’re here to help you understand your options and make informed decisions. Our aim is to build relationships that extend beyond settlement, with a team you can turn to as your finance needs evolve.

Credit Represented Number 488216

OUR TESTIMONIALS

FREQUENTLY ASKED QUESTIONS

Selecting the right loan involves assessing your specific requirements, financial situation, and goals. Our team specialises 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.

The process begins with understanding your borrowing capacity, budget and deposit requirements. We can then help you explore suitable home loan options and guide you through the application process, from submission through to settlement. For construction loans, repayments during the building phase depend on your loan agreement. Where interest-only repayments apply, interest is generally calculated on the funds drawn down as construction progresses. Once construction is complete, your repayments will follow the repayment structure and terms outlined in your loan contract.

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.

GET IN TOUCH TODAY

Appointments available both in person and online.