OCEAN Lending Services
Finance and Loan Services for Every Stage
From buying or refinancing a home to business, franchise, vehicle and personal finance, OCEAN Lending provides clear, friendly guidance and helps manage the process from initial enquiry through to settlement.
One Place for Your Lending Needs
More Than a Single Loan Solution
Lending needs often change as life, family, property and business plans develop. OCEAN Lending can assist across a wide range of home, commercial, vehicle and personal lending needs.
We take the time to understand what you are trying to achieve, explain the available options in plain English and help prepare and manage your application.
OCEAN Lending is based in Torquay and supports clients throughout Geelong, the Surf Coast and surrounding areas, as well as clients elsewhere in Australia.
Our Loan Services
How Can OCEAN Lending Help?
Explore our core lending services below. Each service is tailored to your circumstances and remains subject to lender requirements, borrowing capacity and approval.
Home Loans
Support for buying, refinancing, investing, building or renovating, with suitable lender options and loan features clearly compared.
Explore Home LoansBusiness and Commercial Loans
Finance for business purchases, commercial property, equipment, working capital and selected business growth requirements.
Explore Business FinanceFranchise Finance
Assistance with purchasing a franchise, expanding an existing operation or funding eligible equipment, fit-out and business costs.
Explore Franchise FinanceCar and Asset 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 eligible purposes, with repayment, fee and feature considerations clearly explained.
Explore Personal LoansOnline Home Loan Comparison
Start online by providing initial information about your current lending and what you are hoping to achieve.
Start an Online ComparisonHome Lending
Home Loan Guidance for Different Property Goals
Home lending is rarely one-size-fits-all. The right structure depends on your circumstances, deposit, income, property plans, future goals and the features that matter to you.
- Buying an owner-occupied home
- Refinancing an existing home loan
- First home buyer guidance
- Investment property finance
- Construction and building loans
- Renovation finance
- SMSF property lending
- Loan reviews and rate comparisons
Our Process
Clear Support From Enquiry to Settlement
The exact process varies depending on the finance type and lender, but our role is to keep each stage clear and organised.
Initial Conversation
We discuss what you are hoping to achieve and explain how OCEAN Lending may be able to assist.
Information and Documents
You provide the information and supporting documents needed to assess your position.
Research and Recommendation
We research suitable options and explain relevant rates, fees, features and lending requirements.
Application and Support
We prepare and lodge the application, communicate with the lender and support you through approval and settlement.
Local Mortgage and Finance Broker
Based in Torquay, Supporting Clients Across Geelong and the Surf Coast
OCEAN Lending provides friendly, professional finance guidance from our Torquay office. We help clients throughout the Surf Coast, Geelong and surrounding suburbs, while also supporting clients elsewhere in Australia.
Frequently Asked Questions
Questions About OCEAN Lending Services
What types of finance can OCEAN Lending assist with?
OCEAN Lending assists with home loans, refinancing, investment lending, construction and renovation finance, business and commercial loans, franchise finance, car and asset finance, personal loans and selected specialist lending needs.
Do I need to know exactly which loan I need?
No. The initial conversation is an opportunity to discuss what you are hoping to achieve. We can then explain the relevant finance types and the information needed to explore suitable options.
Does OCEAN Lending work with more than one lender?
Yes. We can research options from multiple lenders, subject to the finance type, your circumstances and lender eligibility requirements.
Can you help if my circumstances are not straightforward?
We regularly assist clients with different employment, business, income and property circumstances. Available options depend on the details of your position and lender policies.
Do you only assist clients in Torquay?
No. OCEAN Lending is based in Torquay and works with clients throughout Geelong and the Surf Coast, as well as clients elsewhere in Australia.
Is approval guaranteed?
No. All finance is subject to lender criteria, verification, borrowing capacity, valuation where applicable, supporting documentation and formal approval.
Ready to Discuss Your Finance Needs?
Book a free initial 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, loan features and available lenders vary and are subject to change. Finance is subject to lender assessment and approval.