Competitive Rate. Right Structure. Better Outcome.
Your mortgage should do more than help you buy a property. We compare suitable lenders, negotiate competitive pricing and structure your mortgage around your cash flow, goals and future plans.
A mortgage should fit into your financial life, not simply sit beside it. Fran Jerome, CPA and mortgage strategist, personally helps each client compare suitable lenders, negotiate pricing and structure their mortgage around what they are trying to achieve.
We design mortgage structures that reduce total interest paid, accelerate equity growth, and create flexibility for future property decisions — not just get you approved.
Your mortgage is your most powerful wealth tool. We show you how to use it — through offset optimisation, debt segregation, and strategic refinancing at the right time.
Every Australian professional deserves a mortgage that works as hard as they do — structured for speed, flexibility, and long-term wealth creation.
We map your income, expenses, and financial commitments to build a repayment structure that maximises every dollar — without sacrificing your lifestyle.
You do not have to accept a 30-year mortgage as a given. With the right structure and a consistent surplus, many borrowers repay years sooner. We model what is realistic for your income, expenses and goals, so you can decide on your terms.
Oliey Finance was founded on a single conviction: that the structure of your mortgage matters more than the rate on it.
Fran Jerome brings a rare combination of CPA qualification, personal property investment experience, and mortgage strategy expertise to every client engagement.
We are paid by the lender you choose, and we tell you how much before you proceed. Our legal duty is to act in your best interests, so we recommend from a panel of 30+ lenders based on your strategy, not on who pays most.
Structured for repayment speed, cashflow flexibility, and long-term wealth — not just approval.
Contact UsPortfolio-aware lending structured around tax efficiency, equity access, and future acquisition.
Contact UsOur signature approach to repaying your home loan sooner, modelled on your income, cash flow and goals.
Contact UsSpecialist lending for nurses, paramedics, police, firefighters and doctors across SE Melbourne. LMI waivers available for eligible healthcare staff.
Contact UsFran Jerome brings a rare combination of accounting expertise and mortgage strategy — so your loan is designed for your whole financial picture.
We work to secure competitive pricing among the suitable options available to you. We then design the loan structure, offset arrangements and repayment strategy around what you want the mortgage to achieve.
We model practical ways to reduce your mortgage sooner, based on your income, cash flow and priorities. The strategy is tailored to your circumstances rather than built around a generic promise.
A competitive rate can create valuable savings. The right structure determines how effectively those savings support your cash flow, reduce your debt and help you move towards your next objective. At Oliey Finance, we want both working for you.
Get A QuoteWe begin with a free 30-minute introductory call with Fran. Discuss your goals and find out what information is needed for a loan review. We then assess suitable options and the structure of your loan around your circumstances.
We review your income, assets, liabilities, and property goals. We map your borrowing capacity, identify the right loan structure, and explain exactly what your mortgage should look like — before we approach a single lender.
Basic home loans – or ‘no frills’ loans – offer borrowers a loan with a low interest rate.
READ MOREA fixed rate home loan will allow you to fix your interest rate for a specific period, usually from one to five years.
READ MOREVariable rate loans follow RBA decisions and typically include offset accounts and extra repayments.
READ MOREIf you’re a self-employed, contract or seasonal worker and do not have a regular income a low doc loan may be a solution.
READ MOREWant the best of both worlds? A split-rate home loan offers both flexibility and security.
READ MOREInterest-only loans offer borrowers lower repayment options, while maintaining many of a traditional loan’s features.
READ MOREA type of mortgage in which a homeowner can borrow money against the value their home.
READ MOREMany lenders offer reduced interest rates for a limited time at the beginning of your loan.
READ MORE
A bank can only offer you its own products. A mortgage broker like Fran Jerome at Oliey Finance works across a panel of 30 or more lenders to find the structure that fits your goals, not just the product that is easiest to approve. For clients in SE Melbourne, that difference often means a significantly better loan structure, not just a slightly lower rate.
An offset account reduces the loan balance that interest is calculated on every single day. If you owe $500,000 and have $30,000 in your offset, you only pay interest on $470,000. That saving compounds over time and can cut years off your loan term without locking your money away. It is one of the most powerful tools available to Australian homeowners and the foundation of the Buffer Flip Strategy.
Yes, some lenders offer LMI waivers and reduced fees for eligible healthcare professionals including nurses, doctors, paramedics and allied health workers. Eligibility depends on your role, employer, loan size and the lender's current policy. Fran Jerome at Oliey Finance works specifically with frontline workers across SE Melbourne to match them with the right lender for their income structure.
Many lenders look for a 5% to 20% deposit. Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy with a 5% deposit and no LMI, and eligible single parents with 2%, if the property is under the price cap ($950,000 in Melbourne). First home buyers building a new home may also qualify for the $10,000 Victorian First Home Owner Grant and stamp duty concessions. Eligibility depends on your situation, so speak with Fran before signing a contract.
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