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Geelong Finance Questions, Clearly Answered

OnePort Finance is a licensed mortgage broking service operating from 510 Latrobe Blvd, Newtown, Geelong, Victoria, helping home buyers, property investors, business owners, and SMSF trustees compare loan options across a panel of more than 50 lenders. Peter Desbrowe Annear, Credit Representative Number 548244 and AFG Hall of Fame recipient, has arranged over $1 billion in approved finance across more than 25 years in the industry.

A mortgage broker in Geelong compares loan options from multiple lenders to find one that fits your financial position. OnePort Finance works with over 50 lenders to match Geelong borrowers with home loans, investment loans, refinance options, business finance, SMSF lending, and asset finance -- all without charging broker fees to the borrower.

Your Home Loan and Finance Questions, Answered

  • How does a mortgage broker in Geelong find a better home loan than my bank?

    A mortgage broker compares loan products from multiple lenders -- not just one bank's shelf. OnePort Finance has access to more than 50 lenders, which means we can compare rates, fees, and loan features simultaneously and recommend the product that best fits your financial position, not the one a single lender wants to sell you.

  • How much does it cost to use OnePort Finance as my mortgage broker?

    In most cases, using OnePort Finance costs you nothing. Mortgage brokers are typically paid a commission by the lender whose product you choose. We disclose all commissions clearly before you proceed. There are no broker fees charged directly to you for standard home loan, refinance, or investment loan applications.

  • How long does it take to get a home loan approved in Geelong?

    Conditional approval for a straightforward home loan typically takes three to five business days once all documentation is submitted. Formal approval follows, usually within a further five to ten business days depending on the lender. OnePort Finance manages the process and communicates directly with the lender on your behalf throughout.

  • When does it make financial sense to refinance my mortgage in Geelong?

    Refinancing is worth exploring if your current rate is more than 0.5% above the best rates available for your loan profile, if your fixed-rate term is approaching expiry, or if you carry multiple debts that could be consolidated into a single lower-rate loan. A free assessment with OnePort Finance takes around 30 minutes and gives you a clear picture.

  • What is an investment loan and how is it different from a home loan?

    An investment loan finances a property you intend to rent out rather than live in. Lenders assess investment applications differently from owner-occupier loans -- serviceability calculations are stricter, rates are typically higher, and loan structure affects your tax position. OnePort Finance structures investment loans to account for rental yield, negative gearing, and future portfolio growth.

  • Can I use my self-managed super fund to buy an investment property in Geelong?

    Yes, provided the SMSF is correctly structured and the purchase complies with ATO rules. The loan must use a limited recourse borrowing arrangement, and the property must meet the fund's sole purpose test. Fewer than half of Australian lenders offer SMSF lending products. OnePort Finance has specialist experience navigating the compliance requirements and lender selection for SMSF property purchases.

  • What types of asset finance does OnePort Finance offer in Geelong?

    OnePort Finance arranges car loans, equipment finance, and personal loans for Geelong clients through a panel of specialist asset lenders. We compare chattel mortgage, commercial hire purchase, and consumer loan structures depending on whether the asset is for personal or business use. Most straightforward vehicle finance applications are assessed within 24 to 48 business hours.

  • How many lenders does OnePort Finance compare for each application?

    OnePort Finance has access to a panel of more than 50 lenders, including the major banks, regional lenders, and specialist finance providers. We match your financial position, the type of loan you need, and the property or asset involved to identify which lenders are most competitive and most likely to approve your application.

  • What happens during a free assessment with OnePort Finance?

    A free assessment is a 30-minute conversation -- conducted in person at our Geelong office, by phone, or by video call -- in which we review your income, expenses, existing debts, and borrowing goals. We then outline which loan products are available to you, what your borrowing capacity looks like, and what steps are involved in proceeding.

  • Does OnePort Finance service clients outside Geelong?

    Yes. OnePort Finance serves clients across the greater Geelong region including the Bellarine Peninsula, Surf Coast, Lara, Corio, Highton, Belmont, Leopold, and Drysdale, as well as regional centres such as Ballarat and Werribee. Appointments can be conducted in person at our Newtown office, by phone, or by video call for clients who prefer not to travel.

  • What credentials does Peter Desbrowe Annear hold as a mortgage broker?

    Peter Desbrowe Annear holds AFG Credit Representative Number 548244 and is a recognised AFG Hall of Fame member -- an award for brokers who consistently deliver outstanding results. He brings over 25 years of experience in the Australian finance industry and has arranged more than $1 billion in approved loans for clients across Geelong and regional Victoria.

  • What is the difference between a comparison rate and an interest rate on a home loan?

    The advertised interest rate shows the cost of borrowing without fees. The comparison rate combines the interest rate with most ongoing fees into a single annual percentage figure for easier like-for-like comparison. Comparison rates are based on a standard loan amount and term, so your actual costs may differ. OnePort Finance explains both figures clearly before you decide.

Book a Free Assessment With Geelong's Trusted Mortgage Broker

Peter Desbrowe Annear and the OnePort Finance team are available Monday to Friday, 9am to 5pm, with Saturday and Sunday appointments on request. There are no fees for the assessment bring your questions, and we'll show you exactly what's available.