Family-focused finance and mortgage broker
Mortgage Broker for Torquay, the Surf Coast and Geelong
Friendly, straightforward guidance across home loans, refinancing, investment lending, construction finance, business loans and car finance. We take the time to understand your circumstances and help you navigate the lending process with greater clarity.
About OCEAN Lending
Lending Guidance Built Around You and Your Family
OCEAN Lending is a family-focused finance and mortgage broker based in Torquay. We work with clients throughout the Surf Coast, Geelong and surrounding areas, as well as families across Australia and overseas.
We take a friendly, professional and educational approach to lending. Rather than focusing only on the interest rate, we consider your wider circumstances, future plans and the loan features that may be important to you.
Whether you are buying a home, refinancing, investing, building, purchasing a vehicle or seeking business finance, our goal is to make the process easier to understand and help you move towards your goals.
Why OCEAN Lending?
A More Personal Approach to Finance
Lending decisions can affect your family, lifestyle and future plans. We take the time to understand the bigger picture and clearly guide you through your available options.
Family Focused
A loan is about more than an interest rate. We consider how the loan structure may affect your household, lifestyle and future plans.
Clear Guidance
We explain your options in plain English so you can make informed decisions with greater confidence.
Long-Term Relationships
Our service does not end at settlement. We remain available to answer questions and review your lending as your needs change.
Lending Experience
Experience helps us identify potential issues early, navigate lender policies and guide applications through the lending process.
Flexible Thinking
Every client’s circumstances are different. We explore suitable options rather than applying the same solution to every situation.
More Than Loans
Clients can access useful additional services including property reports, calculators, Open Banking, service connections and our courtesy trailer.
Our Lending Services
How Can We Help?
From buying or refinancing a home to business and vehicle finance, we provide clear guidance and help manage the lending process from enquiry through to settlement.
Home Loans
Support for buying, refinancing, building, renovating or investing, with suitable lending options clearly compared.
Explore Home Loan OptionsBusiness and Commercial Loans
Finance guidance for business purchases, commercial property, equipment, cash flow and business growth.
Explore Business FinanceFranchise Finance
Assistance with finance for purchasing a franchise, expanding an existing business or funding equipment and fit-out costs.
Explore Franchise FinanceCar Finance
Finance options for new and used vehicles, business vehicles, equipment and selected leisure assets.
Explore Car FinancePersonal Loans
Personal lending options for a range of expenses, with features, fees and repayment considerations clearly explained.
Explore Personal LoansOnline Home Loan Comparison
Short on time? Provide your initial details online so we can begin reviewing your current lending and requirements.
Start an Online ComparisonOur Process
How the Lending Process Works
We guide you through each stage, clearly explain what is required and keep you informed as your application progresses.
Initial Conversation
We discuss what you are hoping to achieve, answer your initial questions and explain how OCEAN Lending can assist.
Portal Completion
You enter your details and securely upload supporting documents through our online client portal.
Financial Position Meeting
We discuss your current situation, financial position, goals and future aspirations in greater detail.
Research and Comparison
We assess your circumstances and compare suitable loan options, lender policies, rates, fees and features.
Application Support
We prepare and lodge your application, communicate with the lender and help with additional information requested.
Settlement and Beyond
We support you through approval and settlement and remain available for questions and future lending reviews.
Beyond Lending
Useful Services for OCEAN Lending Clients
We continue to add practical services designed to make property, finance and moving-home tasks a little easier.
Secure Open Banking
Securely share relevant financial information to assist with loan reviews and applications.
Use Open BankingFree Property Report
Request a complimentary property report containing useful property and local market information.
Request a Property ReportCourtesy Trailer
Our complimentary trailer is available to assist clients and members of the Surf Coast community.
Book the Courtesy TrailerMoving-Home Connections
Arrange selected utility and household service connections when preparing to move home.
Connect Your ServicesBill Review
Access a convenient service for reviewing selected household utility bills.
Review Your BillsHome Loan Calculators
Explore repayments, borrowing power, offsets, purchasing costs and other common lending scenarios.
View Our CalculatorsFollow OCEAN Lending
Helpful Lending Tips and Life on the Surf Coast
Follow OCEAN Lending on Instagram for practical home loan information, finance tips, client success stories and a glimpse into family and business life on the Surf Coast.
@ocean_lendingReady to Discuss Your Lending Needs?
Book a free, no-obligation conversation with OCEAN Lending. We will discuss what you are hoping to achieve, answer your initial questions and explain the next steps.
Email: scott@oceanlending.com.au
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, eligibility, rates, fees and loan features vary between lenders and are subject to change.