Business Details
Your Trusted Mortgage Broker in Shellharbour & Nowra
Ohana Finance is a leading mortgage brokerage firm serving Shellharbour, Nowra, and surrounding regions in New South Wales. With over 25 years of combined industry experience, our team specializes in home loans, investment financing, construction projects, and debt reduction strategies. We pride ourselves on delivering personalized solutions tailored to each client's unique financial circumstances. Our expertise extends to navigating complex lending scenarios, including non-genuine savings and Self-Managed Superannuation Funds.As trusted advisors, we maintain relationships with multiple lenders to secure competitive rates while prioritizing client education and long-term financial wellbeing. Our commitment to transparency and ethical practices ensures clients receive informed guidance throughout their homeownership journey.
Services
Home Loans
Investment Loans
Construction Loans
Debt Reduction
SMSF Financing
Non-Genuine Savings Loans
First Home Buyers
Refinancing
Bridging Finance
Offset Accounts
Highlights and features
- We offer 25+ years combined experience in mortgage brokering and banking
- Our team holds deep local market knowledge in Illawarra and Shoalhaven regions
- We provide access to one of Australia's lowest home loan rates
- Our brokers have specialist expertise in non-standard lending scenarios
- We maintain transparent fee structures with no hidden charges
What people say
Great Service
Smooth transaction
Exceptional service
Great communication
Outstanding service
Services
Home Loans
We provide comprehensive home loan solutions tailored to individual circumstances. Our services cover first home purchases, property upgrades, and refinancing options. With access to multiple lenders, we secure competitive rates while considering clients' long-term financial goals. Our expertise includes navigating complex scenarios like contractor income verification and non-traditional deposit sources.
Investment Loans
Our investment loan services focus on maximizing returns while minimizing risk. We offer strategic advice on portfolio growth, cash flow optimization, and tax-effective structures. The team specializes in securing competitive rates for both residential and commercial investment properties, with expertise in SMSF financing and portfolio diversification strategies.
Construction Loans
We simplify the construction loan process through staged funding solutions. Our service anticipates lender requirements for development projects, ensuring smooth approval processes. We assist with documentation preparation, progress payment scheduling, and managing lender inspections to maintain project timelines and budget integrity.
Debt Reduction Loans
Our debt consolidation services combine multiple obligations into single manageable payments. We analyze clients' financial situations to identify savings opportunities through lower interest rates and optimized repayment terms. The process includes credit history assessment and developing strategies to improve long-term financial health.
98% Home Loans
These specialized loans enable home ownership with minimal upfront savings. We guide clients through LMI inclusion and eligibility criteria for non-genuine savings. The service includes comprehensive assessments of income stability, credit history, and long-term repayment capacity to ensure sustainable lending outcomes.
People
Scott Murray
Mortgage Broker
With 15 years in finance, Scott has held leadership roles in major banks and lending institutions. He founded Ohana Finance to provide personalized mortgage solutions, leveraging his experience managing 20+ home lender teams. A local Wollongong resident, he specializes in complex lending scenarios.
Shaun Learmont
Mortgage Broker
Shaun brings extensive banking experience from Wollongong and Nowra branches. As a former loans officer and home finance manager, he specializes in matching clients with investment loan solutions. He focuses on understanding local market trends to provide tailored financial advice.
Neely Bird
Office Manager
With 25 years office management experience, Neely oversees operations and client coordination. Her background in development approvals provides valuable insights into property market requirements. She serves as a key contact for client documentation and process navigation.
Questions
What loan types does Ohana Finance specialize in?
We specialize in home loans, investment financing, construction projects, debt reduction strategies, and SMSF loans. Our expertise includes handling non-genuine savings and complex income verification scenarios.
Can first home buyers qualify with low deposits?
Yes, we offer 98% home loans requiring only 5% deposit without genuine savings requirements. This includes options for gifted funds and First Home Owner Grant eligibility.
How do you help clients with non-traditional income?
We have specialist experience verifying contractor income and alternative payment structures. Our team works directly with lenders to present comprehensive financial pictures for non-standard employment situations.
What areas do you service?
We operate from Shellharbour and Nowra, serving the Illawarra and Shoalhaven regions. Our services extend to property purchases across New South Wales with remote consultation options available.
How are interest rates determined for investment properties?
Investment loan rates consider factors like LVR, repayment history, and portfolio size. We currently offer variable rates starting at 3.45% p.a. with competitive fixed rate options available.
What support exists for urgent loan requirements?
We prioritize time-sensitive applications through dedicated case management. Our team has successfully completed urgent approvals within two weeks through direct lender collaboration and streamlined documentation processes.
