OM Financial Services

OM Financial Services At OM FINANCIAL SERVICES, our experienced group of contract brokers can compare a wide extent of domestic credits over a board of 50+ banks.
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Mortgage Broker | First Home Buyers | Refinance | Investor
Helping You Get the Home You Desire 🏠
Click the link below to Know How ⤵️
https://linktr.ee/omfinancialservicesaus This means we won’t use any ancient arrangements for you. We will find the best current arrangement to meet your needs. Our fund masters are talented in taking care of advances, from domestic credit to individual credit, right

through asset and commercial finance. We can assist you get advance pre-approval and can give master help for borrowers looking to renegotiate. With OM Financial Services, you’ll have access to comprehensive choices to help assist you borrow.

Property forecasts are changing, but your finance position matters more than the headline.A possible price drop won’t he...
04/06/2026

Property forecasts are changing, but your finance position matters more than the headline.

A possible price drop won’t help if your pre-approval, deposit, LVR, or loan structure is not ready.

OM Financials help buyers review their options clearly, so they can move with confidence when the right opportunity appears.
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Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



Australian house prices | house price decline Australia | Australian property market | mortgage advice Australia | borrowing power | home loan strategy | property market slowdown | Australian housing market | finance strategy

Two days of learning, industry conversations and fresh insights in Brisbane.OM Financials team attended the Finsure Comm...
03/06/2026

Two days of learning, industry conversations and fresh insights in Brisbane.

OM Financials team attended the Finsure Commercial and Diversified Summit, connecting with industry professionals and staying updated on developments across commercial and diversified finance.

Keeping up with the latest lending insights helps us better support clients with informed finance conversations and suitable lending options.
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Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



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🏡 Still paying too much on your home loan? It might be time to refinance.At OM Financial Services, we help homeowners fi...
02/06/2026

🏡 Still paying too much on your home loan? It might be time to refinance.

At OM Financial Services, we help homeowners find tailored refinancing solutions that can help you save money, consolidate debt, or unlock your home equity for future goals.

✔ Lower repayments
✔ Debt consolidation options
✔ Access your home equity
✔ Personalised refinance support

Make your home loan work smarter for you.

📞 0478 876 967
🌐 omfinancials.com.au
📧 [email protected]

Your home loan may feel heavier again in 2026, and it is not just because of the interest rate.When repayments rise, liv...
01/06/2026

Your home loan may feel heavier again in 2026, and it is not just because of the interest rate.

When repayments rise, living costs stay high, and your monthly budget gets tighter, even a small change can start to feel significant.

That is why waiting for rates to fall may not always be the smartest move.
Reviewing your current loan can help you understand whether your rate, repayment structure, features and lender options still suit your situation.

Before your repayments put more pressure on your budget, it may be worth taking a second look.

Speak with OM Financials to review your home loan options.
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Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea


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Buying a home in South East Queensland starts with more than finding the right property.It starts with knowing what your...
01/06/2026

Buying a home in South East Queensland starts with more than finding the right property.

It starts with knowing what your finance can actually support.

From borrowing power and pre-approval to loan options and repayment fit, the right loan plan can make your next property decision much clearer.

Before you commit to a property, make sure your finance is working in the right direction.

Speak with OM Financials and get clarity on your home loan options before you buy.
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Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



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The 2026 Budget has introduced major tax changes for property investors, from CGT reforms to new negative gearing rules....
31/05/2026

The 2026 Budget has introduced major tax changes for property investors, from CGT reforms to new negative gearing rules.

But many investors are still missing how these changes could affect borrowing power, cash flow, and long-term loan strategy.

OM Financials helps investors understand what the new rules may mean before making their next property move.

Read More: https://tinyurl.com/4d5nu7t8

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Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



2026 Budget tax changes | property investors Australia | CGT reforms | negative gearing changes | investment property loans | Capital Gains Tax Australia | property investment strategy | depreciation benefits | investment loan strategies | Federal Budget property changes

30/05/2026

How much does a rate rise really reduce your borrowing capacity in Australia?

Using standard serviceability models (including the 3% buffer lenders apply):
At 5% interest:
• $80K income → ~$560,000 borrowing
• $120K income → ~$840,000

At 7% interest:
• $80K income → ~$450,000
• $120K income → ~$676,000

That’s nearly a $100,000–$160,000 difference depending on income.

For Australians in their 30s and 40s planning to upgrade or invest, rate movements don’t just affect repayments; they affect property choice, negotiation power and timing.

If you’re waiting for rates to “settle,” it’s worth understanding how today’s numbers shape tomorrow’s options.

Rates are moving.

If you’re planning to buy in the next 6–12 months, it’s worth checking your borrowing capacity now, not after the next rate decision.

Send through your income range and we’ll show you where you stand.
Clear strategy beats guesswork.
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Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



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30/05/2026

How much does Lender's Mortgage Insurance (LMI) actually cost in Australia?
On a $600,000 property purchase:
• 5% deposit → Up to $30,000 LMI
• 10% deposit → Around $10K–$14K
• 15% deposit → $3K–$5K
• 20% deposit → $0 LMI
LMI isn’t a penalty. It’s insurance for the lender when borrowing above 80% LVR.

For many Australians in their 30s and 40s, the bigger question isn’t “How do I avoid LMI?”
It’s “Does paying LMI get me into the market sooner and ahead?”
There are also government schemes and professional waivers that many buyers don’t realise they qualify for.

Understanding structure can save thousands.
Not sure whether to wait for 20% or enter earlier?

Send through your deposit amount and purchase range, we’ll show you what the numbers actually look like and whether LMI makes sense in your situation.

Clear numbers. No pressure.
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Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



mortgage broker australia | australia home loan rates | best home loan rates australia | lowest home loan rates australia | best variable home loan rates australia | Mortgage Broker Brisbane | Mortgage Broker Sydney | best mortgage broker perth | best mortgage broker australia | Construction Loans Australia | home loan interest rate australia

Your repayments may have changed, but your loan strategy should not stay the same by default.A higher repayment can affe...
28/05/2026

Your repayments may have changed, but your loan strategy should not stay the same by default.

A higher repayment can affect your monthly budget, borrowing plans, savings goals and overall financial comfort.

That is why a home loan review matters.

It helps you understand whether your current rate, structure, features and lender options still suit where you are today.

Review before it starts costing you more.
Speak with OM Financials for clearer home loan guidance.
---
Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



mortgage broker australia | australia home loan rates | best home loan rates australia | lowest home loan rates australia | best variable home loan rates australia | Mortgage Broker Brisbane | Mortgage Broker Sydney | best mortgage broker perth | best mortgage broker australia | Construction Loans Australia | home loan interest rate australia

27/05/2026

How much does Lender's Mortgage Insurance (LMI) actually cost in Australia?
On a $600,000 property purchase:
• 5% deposit → Up to $30,000 LMI
• 10% deposit → Around $10K–$14K
• 15% deposit → $3K–$5K
• 20% deposit → $0 LMI

LMI isn’t a penalty. It’s insurance for the lender when borrowing above 80% LVR.

For many Australians in their 30s and 40s, the bigger question isn’t “How do I avoid LMI?”
It’s “Does paying LMI get me into the market sooner and ahead?”
There are also government schemes and professional waivers that many buyers don’t realise they qualify for.

Understanding structure can save thousands.
Not sure whether to wait for 20% or enter earlier?

Send through your deposit amount and purchase range, we’ll show you what the numbers actually look like and whether LMI makes sense in your situation.

Clear numbers. No pressure.
---
Call Us: 0478876967
Book a Free Chat: https://tinyurl.com/49d5tdea



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Address

19 Blarneystone Avenue, Rouse Hill
Kellyville, NSW
2155

Opening Hours

Monday 8am - 7pm
Tuesday 3pm - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 11am - 4pm

Website

https://linktr.ee/omfinancialservicesaus

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