Tailored Mortgage Broking Solutions from OVM Finance

Get access to competitive rates from leading lenders

At OVM Finance, we’ve got your back when it comes to finding the best rates. Gone are the days of doing your own internet search, limited to just the ‘big four’ banks. Our licensed brokers have the inside scoop with over 30 lenders, offering a variety of products and niche policies.

We’re here to make things easy for you – count on us to secure an approval with a seriously competitive rate. No tricks, no unnecessary drama – our track record speaks for itself, and you can trust us to keep the process as relaxed as possible for you.


Our Expertise

Count on us for mortgage advice tailored to your specific situation, not just a one-size-fits-all product

Our Services

Whether you’re stepping into homeownership for the first time or expanding your property portfolio, we’ve got you covered. Enjoy personalized approvals and expert advice for all your mortgage needs.


Wondering whether a mortgage refinance is the right move for you? We’ll review your situation and give you an expert opinion.


Investment loans that contribute to your wealth-building journey. We’ll personalize a flexible solution to enhance your cash flow and expand your investment portfolio.

We are committed to ensuring your peace of mind

Why Choose Us

The foundation of OVM Finance Group is built on integrity, transparency, and value. This is a commitment to you. It signifies that you can count on us to discuss your credit options in an easy to understand way, offering a customer service experience that surpasses typical encounters with banks or online lenders. Your time, money, and trust are highly valued.

Our goal is to provide you with a premium, customized service that distinguishes us from the competition. With our experienced team of brokers, we bring unparalleled knowledge of the current market, explaining your options in plain English to build a lasting relationship, not just complete a transaction.

You Come First

One size doesn’t fit all. We’re flexible to your individual needs and situation. We prioritise customer service with a high priority on our client relationship.

Industry Qualified and Expert Experience

We are members of MFAA – Mortgage and Finance Association of Australia, as well as FBAA – Finance Brokers Association of Australia, AFCA – Australian Financial Complaints Authority. 

Ongoing Support

Even after your loan has been settled, we’re here and ready to address any questions you may have. Additionally, we’ll connect you with our network of reliable partner services, ranging from accountants and financial planners to buyer advocates, property pre-purchase inspections, and more. Our commitment extends beyond the loan process, ensuring you have ongoing support and access to valuable resources

Great Deals

We leverage our technologies and relationships to actively seek out market-leading home and investment loan packages tailored specifically to you. With a deep understanding of current market conditions and employing some of the industry’s best-practice processes, we are dedicated to securing the best possible finance outcome for you.

We Offer What The Banks Won’t

If you’ve grown tired of subpar service from banks and other brokers, we’ve got your back. Our premium service surpasses what the big banks can offer. With experienced mortgage brokers based in Melbourne, we’re ready to assist you in not just meeting but exceeding your financial goals.

BanksVSOVM Finance
Customers are treated like transactions-Customers are treated like people
One set of products & policies-Options from over 30 lenders
Long application processing wait times-If you have a tight deadline, we can provide you with fast approvals
Call centres and a revolving door of staff-A stable dedicated team working with you closely throughout
Lender’s needs come first-Your needs and goals come first

Our Process

We believe in a transparent and easy-to-understand process. We will work with you every step of the way to ensure that you get the best mortgage solutions for your needs

1. Consultation


Book a free consultation with one of our mortgage brokers to discuss your needs and goals.

2. Analysis


Our team will analyse your financial situation and identify the best mortgage solutions for you.

3. Application


We will help you complete the application and work with the lenders to secure the mortgage.

4. Settlement


Once the loan is approved, we will work with the lender to ensure that the settlement process is smooth and hassle-free.

5. Monitoring


We’ll monitor your home loan and help you keep your interest rate competitive.

Meet the Team

Meet our trio of brokers ready to tackle even your toughest questions about all things mortgage and finance. When you choose OVM Finance, rest assured that you’re receiving top-notch advice from some of the best young professionals in the industry.

All our mortgage and credit advisers are ASIC licensed credit representatives and full members of both the Mortgage & Finance Association of Australia (MFAA), Finance Brokers Association of Australia (FBAA) and National Mortgage Brokers Australia Pty Ltd.

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Will Miles

Director and Senior Mortgage Broker

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Azem Ozcagli

Director and Mortgage Broker

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Jakob Van Der Vliet

Director and Senior Mortgage Broker

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Cas Castro

Loan Processor

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We take pride in being brokers you can genuinely trust. From the first consultation to the quarterly reviews conducted years after your settlement, our commitment to tailored services and building lasting relationships is unwavering.

If you need proof that we stand among Melbourne’s best mortgage brokerages, don’t just take our word for it – check out our reviews from real clients. Rest assured, choosing OVM Finance means making the right choice.

Joshua Seguin
Joshua Seguin
Will has been very helpful in teaching me about mortgage and home loans. He's genuinely supportive and a good problem-solver. He makes complicated concepts easy to grasp for someone who is new in this area.
Joseph Martin Morales
Joseph Martin Morales
Highly recommend OVM Finance Group, really appreciate the help of Will Miles, he made changing banks with a better rate a really quick and easy process for me.
Emily Riley
Emily Riley
Start to finish the service we received by Will at OVM Finance Group was outstanding. You could not ask for an easier client portal or better communication. I would highly recommend Will and definitely will be using his services in the future.
Hugh McLeod
Hugh McLeod
Really positive experience. Will made the whole experience stress free and easy. Nothing was ever a problem and streamlined the while process for us. Can't recommend Will and the team enough
Jake Jackson
Jake Jackson
Azem was very helpful, respectful and straight forward. Gave us extra information when requested and made sure we understood all of our options before helping us make a decision. Great service, 10/10.
Priya Bhana
Priya Bhana
Will was a great help in navigating me through my first home loan. He explained the process well and cleared up any questions I had. I appreciated his transparency when discussing pros and cons of situations. He is a pleasure to work with and very responsive and accomodating.
Dipika Prasad
Dipika Prasad
Jakob has been very supportive and does his best to cater to the need of his clients. He went above and beyond with his service to us during the stressful period that is settlement. Jakob has great knowledge of the investment property process and used his financial expertise to ensure we recieved the best mortgage rates and features. Jakob went above and beyond with his service to us, which included answering emails outside of work hours, liasing and coordinating timely responses between all relevant parties to meet successful settlement, in addition to answering any the many questions we had. I will definitely be using Jakob for my next investment property.
Zahirodin Zahirodin
Zahirodin Zahirodin
Azem Ozcagli from OVM Finance Group was very patient, knowledgeable and very helpful. He made it possible for us to achieve our dream, Im not technically knowledgeable but Azem was always there to help me with everything and willing to go far and beyond. Very knowledgeable, Very professional, good communication, and all questions were answered thoroughly and all needs. I will definitely recommend him to family and friends. I know I will continue seek his advise in Future.
Joshua Cottier
Joshua Cottier
I’ve worked with Will relating an investment property for over the last year. He is been exceptional to work with and I am very appreciative with him being clear and honest throughout the whole process. I would recommend Will and his team to anyone.

Use our Calculators to

Mortgage Repayment Calculator

Calculate your estimated home loan repayments, or see how refinancing can help you save money

Borrowing Power Calculator

Get a rough idea of how much you may be able to borrow to get started on your property journey

Extra Repayment Calculator

Check if you can accelerate the payoff of your home loan and save money by making extra repayments with our handy calculator.

Frequently Asked Questions

What is a mortgage broker?

A mortgage broker is a licensed professional who assists in navigating the complexities of home and investment loan financing. At OVM Finance, our definition of mortgage brokers goes beyond the conventional role. We strive to provide tailored mortgage broking solutions through our team of experienced brokers, acting as intermediaries between you and a diverse network of over 30 major banks and lenders.

In today’s landscape, a trusted mortgage broker can foster a lasting relationship rather than facilitating a one-time transaction. Whether rates are high or low, we identify suitable lending policies that align with your situation, saving you significant time, effort, and money.

Founded on the principles of integrity, transparency, and value, OVM Finance redefines the mortgage broking experience. Our licensed brokers prioritize your unique needs, ensuring a bespoke approach to crafting mortgage solutions that align with your individual circumstances. We believe in total transparency, taking the time to explain your mortgage options in plain English, empowering you to make informed decisions about your most significant financial investment – your home.

Our commitment to unbeatable service, as reflected in our Google reviews, goes beyond completing a deal. We aim to build a lasting relationship with you, not just a transaction. Consider us your key financial partners during your homeownership journey, providing guidance and support at every step. Through personalized consultations, we delve into your financial profile, exploring your goals and long-term aspirations.

What type of home loans do you offer?

At OVM Finance, we recognize the uniqueness of each individual’s financial situation and homeownership goals. That’s why we provide a diverse range of home loan options tailored to meet specific needs. Our array of home loan products includes:

  • Variable Rate Home Loans: These loans offer flexibility with interest rates that adjust based on market conditions, providing potential cost savings over the long term.
  • Fixed Rate Home Loans: If you seek stability and prefer a consistent interest rate for a set period, our fixed-rate loans offer an ideal solution.
  • First Home Buyer Loans: Specifically designed for first-time homebuyers, these loans often feature favorable terms and government incentives to assist you in stepping onto the property ladder.
  • Investment Home Loans: For those interested in property investment, our investment home loans provide tailored structures to help grow your property portfolio, considering your cash flow needs.
  • Refinancing Solutions: We offer refinancing options to help secure a better interest rate, access equity, or consolidate debt.

Our experienced mortgage brokers are here to guide you through these options and assist in finding the best home loan solution for your unique circumstances. If you’re seeking expert guidance on your home loan journey, OVM Finance is the right place. Our team of experienced mortgage brokers can help decode the various mortgage lending options and present a tailored solution to you in straightforward, understandable terms.

What is the process for applying for a home loan through OVM Finance?

Applying for a home loan with OVM Finance is a straightforward and transparent process. We take pride in offering honest, trustworthy, and transparent advice throughout the home loan application journey. Here’s a step-by-step guide to help you understand what to expect:

  1. Initial Consultation: Start by scheduling a consultation with one of our expert mortgage brokers. This meeting can be conducted in person, online, or over the phone, based on your preference and location.
  2. Assessment and Pre-Approval: During the consultation, our brokers will assess your financial situation, discuss your lending needs, and help you determine a suitable borrowing capacity and lending structure. If you meet the initial criteria, we can proceed to secure a pre-approval, providing peace of mind for house hunting in a competitive market.
  3. Loan Comparison: With access to a broad range of lenders and loan products, our brokers will compare various home loan options, considering not only competitive rates but also alignment with your requirements and likelihood of approval.
  4. Application Submission: We value efficiency for our clients. Once you’ve chosen a suitable loan product, your broker will assist you in completing compliance paperwork online and submit your fully completed application to the chosen lender on your behalf.
  5. Approval and Settlement: After the lender reviews your application and conducts a property valuation, formal approval is granted. We’ll work with you and the lender to finalize the loan setup details, complete digital signing of offer documents, and schedule settlement in collaboration with your conveyancer or solicitor (if a purchase is involved).
  6. Settlement and Beyond: On settlement day, funds are electronically disbursed, making you an official homeowner or enjoying a refinanced home loan at a better rate! Even after settlement, we have systems in place to ensure your rate remains competitive through proactive annual reviews and check-ins as our valued client.

At OVM Finance, we aim to make the home loan application as painless as possible. When you partner with us, rest assured you’re receiving qualified advice from some of the most experienced mortgage brokers in Australia.

What is home loan refinancing?

Refinancing your home loan involves comparing your existing home or investment loan with what is available in the wider market. If it makes financial sense, it is swapped out with a new mortgage agreement, typically with a new lender. This process allows you to take advantage of better interest rates, more favorable loan terms, or access equity in your property for various purposes. At OVM Finance, we understand that your financial situation and needs can change over time, and refinancing offers an opportunity to optimize your home loan. Here are some ways refinancing may benefit you:

  • Lower Interest Rates: If market conditions have shifted or your lending capacity and credit score are favorable, refinancing can lead to lower interest rates and more affordable monthly repayments. The monthly savings can be redirected towards your loan to expedite debt reduction plans or used for other financial priorities.
  • Accessing Equity: If your property has increased in value or you’ve made significant repayments, you may have built up equity. Refinancing allows you to access this equity, which can be used for home improvements, investments, debt consolidation, or other financial needs.
  • Consolidating Debts: Refinancing can be an effective way to consolidate higher-interest debts, such as credit cards, car loans, or personal loans, into your home loan. This may result in a single, more manageable repayment at a potentially lower interest rate, but caution is needed to avoid extending shorter-term debts over a longer home or investment loan term.
  • Changing Loan Features: Refinancing enables you to switch to a loan product with features that better suit your current circumstances. This could involve moving from a variable rate to a fixed rate, setting up an offset home loan, or making other adjustments that align with your financial goals.
  • Debt Repayment Strategies: Our mortgage brokers can collaborate with you to develop a personalized debt repayment strategy, which may involve refinancing strategically to optimize your financial outcomes.

Before proceeding with refinancing, it’s essential to consider potential costs, such as exit fees from your current lender, application fees, legal fees, and any short-term offers from a shortlisted lender. Our experienced team at OVM Finance conducts a comprehensive assessment of your financial situation using industry-leading tools, guiding you through the process and helping you determine if refinancing is the right choice. If you’re considering refinancing your home, consult with one of our experts to explore how it could benefit you!

Are mortgage brokers worth it?

Without a shadow of a doubt, having a mortgage broker in your corner is 100% worthwhile. What distinguishes our team at OVM Finance is our unwavering commitment to premium service, industry expertise, great deals, and ongoing support. With years of collective experience, our team not only secures mortgage approvals but also champions your long-term financial goals.

OVM Finance stands out as one of Melbourne’s premier mortgage brokers by treating you as a client, not just a transaction. Our approach to building relationships goes above and beyond the offerings of traditional banks.

Understanding that your financial needs evolve and life circumstances change, the OVM Finance team remains dedicated to providing continuous support. Whether it’s refinancing to take advantage of better rates, accessing equity for major life events, or navigating the complexities of investment property financing, we are here for you.

Does OVM Finance charge fees?

99% of the time our services are completely free of charge, as we are paid a fixed commission fee by the lender of your choice, this fee is fully disclosed to you. On the odd occasion for more complex scenarios we may charge a “engagement fee”, if this is the case this will be fully disclosed with you.

How are mortgage brokers paid?

We are paid through commissions paid by the lender your loan settles with. This will be a fixed amount dependant on your loan amount. This fee is fully disclosed to you. We are also paid “Trail commissions” – which are ongoing commissions paid over the life of the loan. These commissions are typically based on the outstanding loan balance and are paid at regular intervals, such as monthly or annually. Trail commissions are intended to compensate brokers for providing ongoing services, such as loan maintenance and customer support.

We are also subject to “clawbacks” – this occurs when a client closes off their loan in the first 2 years after the loan is created, whether that is through refinancing the loan or selling the property. A clawback is when we have to pay back the lender all commissions made since the loan was created.

Do you help property investors?

Whether you’re managing a portfolio of ten investment properties or exploring your first investment property loan, we possess the depth of knowledge and experience to navigate the complex landscape of investment property loans.

Arranging finance for an investment property often involves crucial tax considerations. Determining whether to purchase the property in your personal name, through a company or trust, or via your SMSF (Self-Managed Super Fund) can significantly impact your financial strategy. We collaborate with your accountant or financial planner to tailor a solution that aligns with your unique circumstances. Whether you require an interest-only investment loan in a company name for a self-employed applicant or have other specific needs, we can accommodate them and more. Contact us today for an obligation-free discussion.

Can you help first home buyers?

Purchasing your first home should be an exciting time, not a daunting one! That’s why we’ve crafted our first-home buyer finance process to be welcoming of questions and to guide you through each step. Our goal is for you to leave your initial meeting with confidence, understanding how much you can comfortably borrow and the process required for a successful outcome. For first-home buyers, there is no fee for meeting with us – so what do you have to lose? Skip the bank jargon and product complexities. Call one of our team members today to discuss your needs now.

Can I have my parents as guarantors?

Certainly, understanding the term “guarantor” is crucial, and the suitability of the structure must be clearly defined before proceeding further.

In the context of parental guarantees, it’s important to note that they typically take the form of equity guarantees rather than servicing guarantees.

  1. Equity Guarantees: Parents commonly provide support through equity guarantees by ‘pledging’ equity in a property, usually their owner-occupied home or an investment property they own. This means that the parents are offering the equity in their property as security for their children’s loan. In the event of a default, the lender may have recourse to the guarantor’s property to recover the outstanding amount.
  2. Servicing Guarantees: It’s worth mentioning that servicing guarantees, where parents promise to have enough income to boost the borrowing capacity of their children, are no longer widely available. This type of guarantee essentially involved a commitment from parents to ensure that their income could support the increased borrowing capacity of their children. However, this practice was largely phased out many years ago.

Before proceeding with a guarantor arrangement, it’s crucial to have a clear understanding of the type of guarantee being offered, the associated risks, and the legal implications. Consulting with a qualified financial advisor or mortgage broker can provide valuable insights and help navigate the complexities of guarantor structures. It’s important to stay informed about any changes in regulations or practices related to guarantor arrangements.