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Home ownership is the great Australian dream.​

For most Australians this dream is realised through a home loan.

Whether you’re a first home buyer, upgrading to a new home or refinancing, it’s vital your home loan compliments your objectives and goals. At Ocean Edge Finance we work with our clients to ensure value, product suitability and choice. This is vital in the current environment of lending where applying for a home loan is more complex and difficult than ever.

At Ocean Edge Finance we can help you with many loan types and services.

Loan Types

Owner/Occupied Home Loans
First Home Buyer Home Loans
Construction Loans​
Principal & Interest Loans​
Interest Only Home Loans​
Variable Rate Home Loans​
Fixed Rate Home Loans​


Debt consolidation​
Trust strategies​
Niche loan structures​
Split loans​
Extracting equity for investment​
Interest offset strategies​

Our Process

Ocean Edge Finance’s priority is to ensure our clients receive the optimal loan possible for their goals. Following is a nine step process outlining securing a home loan when working with Ocean Edge Finance:

Step 1

Initial Consultation

This is the beginning of the process where we discuss your goals. Under the umbrella of strict regulatory and legislative requirements, known as responsible lending, we work closely with you to ensure you achieve your objectives. To do this we will look closely at your financial position and, with your permission, run your credit report.

Step 2

Document Collection

We will follow-up our initial discussion collating your documentation and information pertaining to your financial position. This information will be analysed and assessed to determine your ability to secure a home loan. If your ability to secure a home loan is positive these documents will ultimately be sent to the lender as supporting documentation.

Step 3

In Depth Comparative Market Analysis

At this point we provide a range of home loan products and compare the most appropriate based on our initial discussion. The essence of in-depth comparative market analysis is the ability to provide choice for our clients.

Step 4

Prepare all Application Documentation

Once you have chosen your preferred lender we will prepare the home loan application for signing.

Step 5

Home Loan Application Submission

Once you have signed your home loan application we then submit to the lender along with your supporting documentation.

Step 6

Approval Process

We work closely with the lender to ensure all regulatory requirements are met and answer any questions they have as we move towards formal approval.

Step 7

Loan Documents

One the loan is approved the loan contracts will be issued. We will work closely with you to ensure all the details on the loan documents are correct and assist you in understanding and signing the loan contracts.

Step 8


Whether it be a purchase or a refinance we carry out all the necessary leg work to ensure a smooth settlement. For purchases we also work closely with your settlement agent and the vendor’s real estate agent are kept informed and up-to-date throughout the process.

Step 9

Ongoing Reviews

Brokering and settling your home loan is just the beginning. We will follow-up after settlement to ensure your loan is running properly. We will continue to stay in contact to ensure the loan continues to be the best option for you.

Get in touch with us today

Let’s discuss how we can help you reach your finance goals.