Fran Jerome is a mortgage broker and strategist based in Melbourne’s southeast, operating under Oliey Finance (Credit Representative 442427, authorised under Finsure Finance & Insurance Pty Ltd, ACL 384704). With a CPA, MBA, and MFAA accreditation, Fran brings an accounting and analytical lens to home lending that most brokers simply don’t have. He works with clients across Cranbourne, Pakenham, Officer, Narre Warren, Botanic Ridge, Frankston and the broader SE Melbourne corridor.
Not Just a Rate. A Strategy.
Most people approach a home loan looking for the lowest rate. That’s a reasonable starting point ; but rate is only one variable in a structure that could cost or save you hundreds of thousands of dollars over its life.
Fran’s background as a CPA means he looks at your mortgage the way an accountant looks at a balance sheet: what’s the structure doing? Where are the inefficiencies, and how do we build something that works for where you’re actually going, not just where you are today.
That might mean a specific offset account setup. It might mean structuring around future investment property. It might mean an approach like the buffer-flip strategy to pay your loan down years ahead of schedule.
Whatever it looks like for you, the starting point is always: What are you trying to achieve, and what structure gives you the best shot at getting there?
Who Fran Typically Works With
- First home buyers navigating land and build packages in SE Melbourne’s growth corridors
- Healthcare and frontline workers ; nurses, doctors, paramedics, police, and firefighters , who often have income structures that require lender-specific expertise
- Homeowners wanting to refinance into a smarter structure, not just a lower rate
- Property investors looking to build a portfolio in a tax-efficient, serviceable way
Credentials at a Glance
- CPA (Certified Practising Accountant)
- MBA (Master of Business Administration)
- MFAA Member (Mortgage & Finance Association of Australia)
- Credit Representative 442427
- Authorised under Finsure Finance & Insurance Pty Ltd | ACL 384704
- Based in Cranbourne, serving SE Melbourne
Frequently Asked Questions
Q: What makes Fran Jerome different from other mortgage brokers in SE Melbourne?
A: Fran holds a CPA and MBA : qualifications that are uncommon in the broking industry. That accounting background means clients get a genuine review of their financial structure, not just a product comparison. Fran’s approach centres on matching the right loan structure to your long-term goals, with interest rate as one factor among several.
Q: Is Fran Jerome a licensed and accredited mortgage broker?
A: Yes. Fran is a Credit Representative (442427) authorised under Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704. He is also a member of the MFAA (Mortgage & Finance Association of Australia), which requires ongoing professional development and adherence to a code of practice.
Q: What suburbs does Oliey Finance service?
A: Fran works with clients across SE Melbourne’s suburbs and growth corridors, including Cranbourne, Pakenham, Officer, Narre Warren, Botanic Ridge, Frankston, Berwick, Clyde, Clyde North, and surrounding areas.
Q: Can Fran help with investment property loans, not just owner-occupier?
A: Yes. Fran works with both owner-occupiers and investors. For investors, the structural decisions around how loans are set up fixed vs variable, interest-only periods, cross-collateralisation, offset accounts have significant tax and cashflow implications. Having a CPA background means Fran can work through those considerations in a way that connects to your broader financial picture.
Q: What is the Buffer Flip Strategy?
A: The Buffer Flip Strategy is a mortgage structure approach developed by Fran Jerome. It uses surplus income directed into an offset account to reduce daily interest calculations, accelerating the shift from interest-heavy to principal-heavy repayments without locking into a rigid schedule.
Q: Does Fran work with first home buyers?
A: Absolutely. First home buyers are a large part of Oliey Finance’s client base, particularly those purchasing land and build packages in Pakenham, Officer, Clyde North and surrounding suburbs. Fran can guide you through the FHOG (First Home Owner Grant) eligibility, stamp duty concessions, lender selection, and structuring your finance approvals across both the land and construction contracts.
Q: How do I book a call with Fran?
A: Use the link below to book a free 30-minute strategy call. No obligation, no sales pitch, just a straight conversation about what you’re trying to achieve and whether Fran can help.
Book a Free 30-Minute Strategy Call with Fran
Or call directly: 0409 961 703 Email: fran@olieyfinance.com.au
Fran Jerome | Credit Representative 442427 | Authorised under Finsure Finance & Insurance Pty Ltd | ACL 384704 | MFAA Member
General advice only. Credit eligibility is subject to individual assessment. Always consider your personal financial situation before making lending decisions.