What we arrange

Oakwood Finance arranges finance across three broad areas. Most clients start in one and end up using two – a home loan that leads to an investment purchase, or business premises bought alongside the equipment that goes into them. We hold accreditation with more than 70 lenders, which matters less as a number than as a practical point: when one lender’s policy does not fit your situation, there is usually another whose policy does. If you would rather start from your situation, see families and individuals, professionals and executives, business owners and entrepreneurs or investors and developers.

Home and personal lending

Buying, moving, refinancing, building and investing.

First home buyers · Next home buyers · Refinancing · Investment loans · Construction finance · Vehicle finance · Pre-approval

Commercial and business lending

Premises, equipment, working capital and projects.

Commercial finance · Commercial property loans · Asset & equipment finance · Development finance · Agricultural lending

Specialist lending

The files that do not fit a standard credit template.

SMSF lending · Medical & specialised lending · Complex structures · Private & trust-based lending · Private funding · Reverse mortgages

How we work

Where a fee applies to the work – which happens on some commercial and personal lending – we tell you the amount in writing before you commit to anything, and you will see it again on the credit quote you sign.

What we will not do is put a file to a lender we think will decline it. A knock-back leaves a mark on your credit file and burns a fortnight you may not have, so we would rather spend an hour getting the structure right first. If we think you should wait, or use a different product, or do nothing at all for six months, we will say so.

Start with a guide

Each of these is a short, plain-English read on how the lending actually works, written by us and yours to download. The guides are listed below; calculators, answers to common questions and market updates are on our resources page.

Buying your first home · Moving to your next home · Refinancing your home loan · Investing in property · Building or renovating · Buying commercial premises · Equipment and vehicle finance · Development finance · Buying property in your SMSF · Finance for medical professionals · Agricultural and rural lending · Business lending

We work with clients nationally, by appointment, including in Adelaide, Brisbane, on the Gold Coast and in Perth.