Buying your first home is one of the most significant financial decisions you will ever make. The mortgage you choose — and more importantly, how it is structured — will affect your cashflow, your wealth, and your financial freedom for decades to come.

At Oliey Finance, we do not simply find you a loan. We build you a mortgage strategy — one that accounts for your income, your lifestyle, your future plans, and the total cost of your debt over time. Most first home buyers focus on getting approved. Our clients focus on getting it right.

What We Do Differently for First Home Buyers

• Borrowing Capacity Clarity: We give you a clear, honest picture of what you can borrow — and what you should borrow — before you start searching for a property.
• Government Grant Navigation: We identify every First Home Owner Grant, stamp duty concession, and government scheme you may be eligible for — including the First Home Guarantee (5% deposit) and Regional Home Guarantee.
• Structure from Day One: We design your offset account strategy, repayment structure, and loan features from the outset — so you are building equity and reducing interest from your very first repayment.
• Lender Selection: We compare products across 30+ lenders to find the right fit for your situation — not just the one with the lowest advertised rate.
• Long-Term Planning: We structure your first mortgage with your second property in mind — ensuring your lending structure does not limit your future options.

When you work with Oliey Finance, you have a single point of contact — Fran Jerome — from your first conversation to settlement and beyond. No handoffs. No junior brokers. Just strategic, personalised mortgage advice.