Structure Your Mortgage. Accelerate Your Wealth.
Most Australians accept a 30-year mortgage without question. We help you understand what that decision actually costs — and build a structure designed to pay it off faster, protect your cashflow, and position you for the next property move.
Oliey Finance exists to change the way Australians think about debt. Our founder, Fran Jerome — a qualified CPA and experienced property investor — built this practice on a single conviction: that the right mortgage structure is worth more than the lowest rate.
A 0.1% rate difference is worth far less than a mortgage structured for offset, flexibility, and accelerated repayment. We design your loan around your life — not the lender's preference.
Your mortgage should work with your income, not against it. We map your cashflow, identify surplus, and build a repayment strategy that compounds over time — turning a 30-year loan into something far shorter.
The Oliey Difference
We measure success in decades, not months. Every recommendation we make is evaluated against its 5, 10, and 20-year impact on your financial position.
We help you understand your equity position at every stage — and how to leverage it intelligently for your next property, investment, or financial goal.
Who We Work With
We work with Australian professionals who are ready to think strategically about property — people who understand that the difference between a good mortgage and a great one is measured in hundreds of thousands of dollars over a lifetime.
Our signature framework helps clients eliminate their mortgage in 8–12 years rather than 30 — without increasing repayments beyond what their cashflow comfortably supports.
Years of combined finance and investment expertise, backed by CPA qualifications and real property 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 outcome.
Contact UsSpecialist lending for doctors, lawyers, and high-income professionals — with LMI waivers and flexible assessment.
Contact UsOur founder is a qualified CPA and property investor — not just a broker. You receive financial strategy, not just loan processing.
We focus on the total cost of your mortgage over its lifetime — not just the headline rate. The right structure saves more than the lowest rate.
We review your mortgage annually as your income, equity, and goals evolve. Your strategy grows with you.
We work with a select number of clients at any one time. Our process is thorough, our advice is specific, and our focus is entirely on long-term outcomes. If you are looking for a quick rate comparison, we are not the right fit. If you are ready to think strategically about one of the largest financial decisions of your life — we should talk.
Get A Quote
We begin with a Mortgage Strategy Session — a 60-minute structured consultation where we map your current position, your income, your goals, and your timeline. From there, we design a mortgage structure built specifically for you. We then identify the right lender from our panel of 40+, manage the application process, and stay with you through settlement and beyond.
Before you begin searching for property, we establish your borrowing capacity, identify the optimal loan structure, and ensure your finances are positioned for both approval and long-term performance.
Once you have found the right property, we help you understand the true cost of ownership — not just the purchase price — and ensure your loan structure supports your broader financial goals.
When you are ready to make an offer, we ensure your pre-approval is current, your structure is confirmed, and your lender is ready to move quickly. We coordinate with your conveyancer and manage the process through to settlement.
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 MOREA fixed rate home loan will allow you to fix your interest rate for a specific period, usually from one to five years.
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
We offer a variety of mortgage options, including fixed-rate, adjustable-rate, FHA, VA, and more. Our goal is to find the best fit for your financial situation and goals.
We conduct a thorough assessment of your financial situation, goals, and preferences. Based on this information, we recommend mortgage options that align with your needs, ensuring you make an informed decision.
As certified mortgage brokers, we have specialized knowledge of the mortgage market and access to a wide range of lenders. This allows us to secure competitive rates and terms, saving you time and potentially money.
We offer expertise in debt consolidation and credit repair strategies. Our goal is to assist you in improving your financial health and qualifying for a mortgage that suits your needs despite past credit challenges.
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