Business Details
Your Trusted Mortgage Broker in Melbourne
At Own Home Loans, we specialise in simplifying the mortgage process and empowering clients to achieve financial freedom. With over 15 years of combined experience in financial services, our team delivers tailored solutions for first home buyers, property investors, and refinancing clients. Our streamlined processes eliminate errors and delays, ensuring a seamless journey from application to settlement. We operate with complete transparency, offering free consultations and no hidden fees, while leveraging relationships with a diverse panel of lenders to secure competitive rates. Our commitment extends beyond initial transactions, with ongoing reviews to ensure your loan remains optimised as your financial circumstances evolve.Backed by multiple industry awards, we combine innovative technology with personalised service to help clients pay off mortgages faster and build long-term wealth. Our holistic approach integrates financial planning expertise and a deep understanding of SMSF loans, property investment strategies, and debt restructuring techniques. With a track record of success in complex cases, including self-employed borrowers and those with non-traditional credit histories, we pride ourselves on finding solutions others deem impossible. Our team's extensive background in both mortgage broking and small business operations enables us to address unique financial challenges with practical, client-focused solutions.
Services
First Home Buyer Loans
Investment Property Loans
Refinancing Services
Car & Equipment Finance
SMSF Loans
Financial Planning
Mortgage Reviews
Debt Restructuring
Property Investment Strategies
Loan Pre-approvals
Highlights and features
- We offer 15+ years of mortgage broking expertise with a proven track record in complex cases
- Our innovative methods streamline the loan process with error-free, timely execution
- We provide 24/7 client accessibility with prompt communication and swift turnaround times
- We operate with complete transparency and charge no fees for our mortgage services
- Our team holds advanced qualifications including Cert IV in Mortgage Broking and Advanced Diploma of Financial Services
Associations and certifications
- Australian Credit Licence
What people say
Highly recommend
Stress-free experience
Expert advice
Seamless process
Saved thousands
Services
First Home Buyer Loans
Specialised mortgage solutions for first-time home buyers. Our expert brokers guide clients through the entire process, from initial consultation to settlement. We help navigate government grants, deposit requirements, and loan structures while providing ongoing support to accelerate mortgage repayments after purchase.
Property Investment Loans
Tailored financing for residential and commercial property investors. We offer strategies for negative and positive gearing, equity release, and portfolio expansion. Our service includes property market analysis, loan structuring, and integration with SMSF strategies to maximise wealth creation opportunities for investors.
Refinancing Services
Comprehensive mortgage review and refinancing solutions. We analyse existing loans to identify savings opportunities through lower interest rates, improved terms, or debt consolidation. Our brokers manage the entire transition process while ensuring minimal disruption to borrowers' financial arrangements.
SMSF Loans
Specialist financing for self-managed super funds. We provide LRBA-compliant loan structures, lender selection, and documentation support. Our service includes coordination with financial planners and accountants to ensure compliance while maximising tax advantages and long-term investment growth.
Car & Equipment Finance
Flexible financing solutions for personal and business vehicles. We offer chattel mortgages, novated leases, and equipment financing options. Our brokers help clients structure payments to maintain cash flow while accessing required assets for both professional and personal use.
People
Rory Sercombe
CEO & Mortgage Broker
With 15+ years in commercial finance and former owner of an award-winning Wizard Home Loans franchise, Rory specialises in mortgage strategies for early repayment. His expertise spans from national financial institutions to small business lending, combining industry experience with client-focused solutions.
Maria Jovanovic
Partner & Operations Manager
Award-winning finance professional with a decade of experience in mortgage broking and financial planning. Holds Cert IV in Mortgage Broking and specialises in simplifying complex loan processes. Recognised as National Loan Administrator of the Year in 2021 for exceptional client service.
Sandra Strah
Mortgage Broker
30-year financial services veteran with advanced qualifications in mortgage broking and financial planning. Specialises in creating personalised financial strategies that combine mortgage solutions with long-term wealth creation goals through a holistic relationship-building approach.
Erin ODwyer
Client Services Manager
Former small business owner with expertise in financial processes and client relationship management. Focuses on maintaining consistent service quality across all business operations while ensuring seamless client communication throughout the mortgage journey.
Harper Sercombe
Asset Finance Associate
Specialist in car and equipment finance with communications degree and practical experience in client-focused financial services. Combines approachable nature with technical expertise to deliver tailored asset financing solutions for personal and business needs.
Questions
How much can I save by refinancing my home loan?
Savings vary based on loan size and terms, but we've helped clients save thousands through lower rates and improved loan structures.
Do you charge fees for mortgage advice?
No fees for our services - we receive commissions from lenders while providing free consultations and loan reviews.
Can self-employed individuals get home loans?
Yes, we specialise in helping business owners with non-traditional income structures secure competitive mortgage solutions.
How do SMSF property loans work?
We explain LRBA-compliant loans allowing SMSFs to invest in property with potential tax advantages and long-term growth.
What government grants are available for first home buyers?
We guide clients through FHOG, FHLDS, and stamp duty concessions while explaining eligibility criteria and application processes.
How often should I review my mortgage?
Annual reviews recommended to ensure optimal loan structure, though more frequent reviews can identify additional savings opportunities.
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