Residential
Buying a home or investing in property is a significant financial decision—and having the right lending partner makes all the difference.
At Oar Finance, we specialise in helping self-employed professionals and PAYG clients secure finance that’s tailored to their goals, lifestyle, and long-term plans. Whether you’re purchasing your first home, refinancing for better cash flow, or expanding your investment portfolio, we bring clarity and structure to every step.
We Can Help You With
Buying A Residential Investment Property
Buying A Residential Investment Property
Looking to grow your portfolio? We help you structure investment loans for long-term success — we work with your advisors to consider cash flow, entity selection and future borrowing capacity.
Off-the-plan purchases
Off-the-plan purchases
Buying before it’s built? We guide you through the unique risks and timelines of off-the-plan purchases, ensuring your finance is structured to support settlement
Securing home loan pre-approvals
Securing home loan pre-approvals
Want clarity before you commit? We secure pre-approvals that give you confidence to negotiate, bid, or plan — with lending options matched to your goals and timeframe.
Refinancing existing loan facilities
Refinancing existing loan facilities
Time for a refresh? We assess your current loans and explore refinancing options that reduce repayments, unlock better features, or align with your evolving needs.
Market comparisons to secure lower rates on your current loan
Market comparisons to secure lower rates on your current loan
Paying more than you should? We compare your current loan against market-leading offers and lender policies — helping you secure competitive rates without the hassle.
Refinancing or restructuring for equity release and future investments
Refinancing or restructuring for equity release and future investments
Planning your next move? We help unlock equity through smart refinancing or restructuring — setting you up for renovations, purchases, or wealth-building strategies.
Why Choose Oar Finance?
Real Experience
We have dealt with many lending challenges and are well placed to assist you to overcome yours.
Unrivalled Choice
A wide range of lenders to fit your own situation be it PAYG income earner or self employed
Tailored Advice
We take the time to understand your circumstances and match you with the right solution.
End-to-End Guidance
From pre-approval through to settlement (and long after), we’re with you at every stage. Our ongoing support ensures your finance continues to work for you as your needs evolve.
Experience Counts
Oar Finance are a partner on your journey from first home to larger home, lifestyle or investment property, we grow with you.
Clarity. Confidence. Strategy.
At Oar Finance, we don’t just arrange loans — we empower you with clarity, confidence, and the right lending strategy to achieve your property goals.
