Business Details
23 Years
experience
Your Trusted Mortgage Broker in Australia
Oxygen Home Loans has been a trusted name in mortgage broking for 22 years, dedicated to simplifying home loan processes for Australians. Our team of experts works independently to connect clients with competitive loan options from a network of lenders, prioritising transparency and eliminating hidden fees. With over $12 billion in home loans settled and a presence in 100+ locations nationwide, we combine extensive industry experience with digital innovation to deliver tailored solutions.Our multi-award-winning approach focuses on empowering clients through tools like loan calculators and streamlined online applications, ensuring informed decisions. As an independently owned firm, we advocate for our clients' interests, offering expert guidance and support throughout their property journey.
Services
Home Loans
Refinancing
SMSF Loans
Car Loans
Loan Calculators
Details
- Year established: 2003
Highlights and features
- We have 22 years of service and counting
- We offer no hidden fees
- We are independently owned and operated
- We provide expert advice
- We have a network of lenders for choice
Services
Home Loans
We specialise in connecting clients with competitive home loan options tailored to their financial goals. Our independent brokers negotiate directly with lenders to secure favourable terms, ensuring transparency and affordability. With a focus on first-time buyers and investors, we simplify the application process through digital tools and expert guidance.
Refinancing
Our refinancing services help clients reduce repayments, access equity, or switch to better loan features. We analyse existing loans and market options to identify savings opportunities. By leveraging our lender network, we streamline the transition process while ensuring compliance and long-term financial benefits for homeowners.
SMSF Loans
We provide tailored SMSF loan solutions for clients seeking property investments through their superannuation funds. Our experts guide trustees through compliance requirements, borrowing capacity assessments, and lender selection. This service enables strategic wealth growth while adhering to regulatory frameworks for self-managed superannuation schemes.
Car Loans
Our car loan service offers competitive financing options for new or used vehicle purchases. We connect clients with lenders providing flexible terms and low rates, ensuring affordability. By comparing multiple products, we help borrowers secure approvals quickly while minimising paperwork and enhancing transparency throughout the financing process.
Loan Calculators
We provide free online calculators to help clients estimate repayments, stamp duty, and loan comparisons. These tools empower informed decision-making by visualising financial commitments and savings opportunities. From offset accounts to SMSF affordability, our digital resources enhance financial literacy and streamline the loan planning process.
Questions
What home loan services do you offer?
We provide owner-occupied, investor, and SMSF home loans with competitive rates starting from 5.29% p.a. Our brokers compare products from multiple lenders to find tailored solutions for first-time buyers and property investors.
How can refinancing benefit me?
Refinancing with us can reduce repayments, access equity, or improve loan features. We analyse your current loan and market options to identify savings, ensuring a seamless transition to a more suitable product.
Do you charge fees for your services?
We operate with full transparency and no hidden fees. Our revenue comes from commissions paid by lenders, ensuring our advice remains unbiased and cost-free for clients.
How do I apply for a loan?
Start with our online calculators to assess borrowing capacity, then contact our brokers for pre-approval. We guide you through document submission and lender negotiations, with options for digital applications to expedite the process.
Are you independently operated?
Yes, we are independently owned and work exclusively for clients, not banks. This ensures our recommendations prioritise your financial interests over lender incentives.
What support exists for SMSF property investments?
We offer specialised SMSF loan solutions, including borrowing power assessments and compliance guidance. Our brokers collaborate with accountants and trustees to structure loans that align with superannuation regulations and investment goals.
