Oliey Finance is a Cranbourne-based mortgage broking practice at 12 Sparrow Street, led by Fran Jerome, a CPA-qualified mortgage broker. Fran helps Cranbourne home buyers, refinancers and investors compare 30+ lenders and structure their loan around what they want the mortgage to achieve.
Most people start by asking for the lowest rate. That's a sensible starting point. A better question is: what do you want this mortgage to do for you over the next 5, 10 and 15 years?
Who Fran helps in Cranbourne
-
First home buyers in Cranbourne East, Cranbourne West, Cranbourne North and Botanic Ridge, including house and land packages
-
Healthcare and frontline workers at nearby hospitals and services, whose shift and overtime income needs careful presentation to lenders
-
Upgraders moving from an established home in central Cranbourne to a larger new build
-
Refinancers who want a sharper rate and a structure that helps them repay sooner
-
Investors buying in the City of Casey who need their loans set up for cash flow and future purchases
What buying in Cranbourne looks like right now
Cranbourne offers both sides of the south-east market: established homes with mature streets near the town centre, and newer estates on the growth edge toward Clyde and Botanic Ridge. The Cranbourne line now runs through the Metro Tunnel (opened 30 November 2025), which matters to buyers who commute to the CBD or the Parkville hospital precinct.
That mix means two very different loan conversations. An established home is usually a standard purchase loan. A house and land package often means a land loan plus a construction loan with progress payments, and that changes how you plan your deposit, your rent overlap and your cash buffer.
First home buyer support in Cranbourne
If you're buying your first home in Cranbourne, three government supports may apply, depending on eligibility:
-
Australian Government 5% Deposit Scheme: buy with a 5% deposit and no LMI, if the property is under the Melbourne price cap ($950,000)
-
Victorian stamp duty exemption: no duty on a home up to $600,000, with a concession up to $750,000
-
First Home Owner Grant: $10,000 for a new home valued up to $750,000
The order you use these in, and which lender you choose, can change what you pay upfront. Fran works through that sequence with you before you sign a contract.
Why a CPA-qualified broker?
Fran reads your payslips, tax returns and business financials the way a lender's credit team does. That helps you avoid applying to a lender whose policy doesn't suit your income, and it means your loan structure (offset accounts, splits, repayment strategy) is designed with your whole financial picture in view.
Frequently asked questions
Is there a mortgage broker based in Cranbourne? Yes. Oliey Finance is based at 12 Sparrow Street, Cranbourne VIC 3977. Fran Jerome meets clients locally, by phone or online.
Does it cost anything to use a mortgage broker in Cranbourne? Fran is generally paid a commission by the lender you choose, and he discloses this before you proceed. Ask Fran to explain how this works for your loan.
Can I buy a house and land package in Cranbourne with a 5% deposit? Possibly. Under the 5% Deposit Scheme, eligible first home buyers can purchase land with a building contract if the combined price is under the cap. Lender choice matters for construction loans, so speak with Fran before signing.
What suburbs near Cranbourne does Oliey Finance cover? Cranbourne, Cranbourne East, West, North and South, Botanic Ridge, Clyde, Clyde North, Narre Warren, Pakenham, Officer, Berwick and Frankston.
Talk to Fran
Book a free 30-minute strategy call: calendly.com/fran-oliey1/30min or call 0409 961 703. Bring a recent payslip and a rough idea of what you want to buy. Think it through, then decide.
Fran Jerome | Credit Representative 442427 | Authorised under Finsure Finance & Insurance Pty Ltd | ACL 384704 | MFAA Member. General information only, not credit advice. Credit eligibility is subject to individual assessment. Government scheme criteria and figures can change; confirm current eligibility before you rely on them.