Structure Your Mortgage. Accelerate Your Wealth.
Most Australians will spend 30 years repaying a debt that could be eliminated in 8 to 12 — with the right structure, not a higher income. At Oliey Finance, we build mortgage strategies that work as hard as you do.
Most Australians are sold a mortgage. Our clients are built one — structured around their income, their goals, and the life they are working toward. Fran Jerome, CPA and mortgage strategist, leads every client engagement personally.
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.
Our clients do not accept a 30-year mortgage as a given. Through structured planning, most are on track to be mortgage-free in 8 to 12 years — on the same income.
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.
Our advisory process is built around your outcome — not a lender's product. We work across a panel of 30+ lenders to find the structure that serves your strategy.
of combined finance, investment, and mortgage strategy expertise — backed by CPA qualifications and real property ownership experience.
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 8–12 year payoff strategy. Same income. Dramatically different outcomes.
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 do not chase the lowest rate. We build the right structure — offset optimisation, loan splitting, and repayment design that saves you tens of thousands.
Our clients are not resigned to a 30-year loan. Through our Mortgage Freedom Framework, most are on track to be debt-free in under 12 years — on the same income.
The difference between a good mortgage and a great one is rarely the interest rate. It is the structure — how your loan is split, where your cash sits, and how your repayments are timed. We get that right from day one.
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We begin with a 45-minute Mortgage Strategy Session — a structured conversation about where you are, where you want to go, and what your mortgage needs to look like to get you there. No generic advice. No product pushing. Just a clear, strategic plan built around your life.
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.
Most lenders require a minimum 2% to 10% deposit across the combined land and build value, though some can work with 5% if you qualify through a government guarantee scheme or meet LMI requirements. First home buyers in Pakenham, Officer and Clyde North may also be eligible for the First Home Owner Grant and stamp duty concessions. Speak with Fran before signing any contracts.
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