Finance & Mortgage

At OYA Finance, we understand that comparing and understanding the different terms and conditions of various loans can be confusing and time consuming. Our philosophy is simple: to find you the best possible loan, with the least possible stress. We understand that everyone is different and that buying a home, business or car is a major decision.


That’s why we take the time to understand our client’s individual needs and offer flexible approaches to financing. Home and investment loans, commercial loans, property and development loans, motor vehicle and equipment leasing, Lo-doc loans, line of credit facilities, Personal loans – secured and unsecured.

Whether you’re a first home buyer, refinancing, investing or refurbishing, our specialist team will research the market to source the best mortgage product that suits your criteria at no cost to you. We will also support you through the application and settlement processes.

Importantly, our team has the ability to provide research on your proposed acquisition including historical price movements, average rental income and growth potential of both the property and surrounding areas. Further, not only will we provide guidance on your borrowing capacity, our team can undertake a sensitivity analysis to calculate a property’s initial rate of return, tax benefits and depreciation over the long-term.

We can ascertain if you should acquire the property through your self-managed superannuation fund, as well as your personal or commercial real estate needs. We offer a broad range of financing solutions including plant and equipment, motor vehicles and household and small business needs.

We’re a full member of the Mortgage & Finance Association of Australia, which means we adhere to an industry Code of Practice.

Please call us on (02) 9970 3111 and ask to speak with one of our Finance Managers for expert advice on buying your dream home or achieving your investment ambitions.

Credit Representatives of OYA Finance are licensed by OYA Financial Services ACL 421290.

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