What are the opening hours?

Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

On Trac Finance Brokers

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Australia
Sale, VIC
On Trac Finance Brokers

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We specialise in home and investment loans, motor vehicle and equipment finance and even Commercial ABN 88 093 874 376 Australian Credit License 391209

Check the Apple App Store for the On Trac App
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https://itunes.apple.com/au/app/ontrac-home-loan-assist/id661008984?mt=8 #
On Trac Mortgage Brokers Pty Ltd, ABN 69 105 296 446, Credit Representative Number 391747
National Mortgage Brokers Pty Ltd.

30/10/2026

Our office will be closed on Monday the 2nd and Tuesday the 3rd of November for the Melbourne Cup long weekend. 🏇

We will reopen on Wednesday the 4th of November and look forward to assisting you then!

We hope everyone has a safe and enjoyable long weekend! 😊

The On Trac Team

27/10/2026

🏡 Planning to apply for a home loan? Start preparing now!

A little preparation today can put you in a stronger position when it’s time to apply for a home loan.

Here are a few things you can do to get started:
✅ Build your savings and work towards your deposit
✅ Review your spending and existing debts
✅ Keep up with repayments on loans and credit cards
✅ Avoid taking on unnecessary new debt

Getting organised early can make the home loan process smoother and help you understand what you may be able to borrow.

Thinking about buying a home? Get in touch with us today and let’s start planning!🏠

20/10/2026

🏡 Had a few credit issues or late payments?

The good news is, you may still be able to get a home loan!

A less-than-perfect credit history doesn’t automatically mean your home loan dreams are over. Different lenders have different lending criteria, and the right option will depend on your individual circumstances.

This could be worth exploring if you’ve had:
✅ Late repayments on existing loans or credit cards
✅ A few credit issues in the past
✅ Changes in your financial circumstances

Think your credit history might hold you back? Get in touch with us today to explore your options! 🏠
https://www.ontracmortgagebrokers.com.au/book-an-appointment/

15/10/2026

Enough is enough with high home loan rates.

The RBA cash rate is sitting at a 15 year high and many households are feeling the squeeze.

Even a small reduction in your interest rate can put thousands of dollars back in your pocket every year. It is such an easy process to review, so why not contact us today and let us look at your home loan to see how much it can be improved?

https://www.ontracmortgagebrokers.com.au/

08/10/2026

🏡 Struggling to save for your first home deposit?

What if you could buy your first home without needing to save a traditional deposit?
A Family Security Guarantee may allow an eligible family member to use the equity in their property as additional security for your home loan, potentially allowing you to purchase with little to no cash deposit.

This could help you:
✅ Get into your first home sooner
✅ Reduce or eliminate the need for a traditional deposit
✅ Potentially avoid Lenders Mortgage Insurance (LMI)

Want to know if this could work for you? Get in touch with us today!
https://www.ontracmortgagebrokers.com.au/book-an-appointment/

06/10/2026

OUR NEW WEBSITE HAS LANDED!!! 🚀🔥

It is now easier than ever to book an appointment with us, complete a review of your home loan or use our online calculators to test your borrowing capacity, all done in just a few taps.

Stop scrolling and GO CHECK IT OUT. Your future home is not going to book itself.
👇👇👇
https://www.ontracmortgagebrokers.com.au/

01/10/2026

Thanks very much Darren Chester MP for your support and helping us educate the community on the importance of talking to a Mortgage Broker. With the latest interest rate rise set to put even more finanical pressure on household budgets, now more than ever borrowers should be talking to a Mortgage Broker to complete a no-obligation review of their home loan to ensure their interest rate is competitive and are not paying any more interest than necessary.

Please contact the On Trac team on (03) 5144 1866 or book online via our website to complete a no-obligation review of your home or investment loan.
https://www.ontracmortgagebrokers.com.au/

Don't have time to talk right now? You can complete a home loan health check yourself right here: https://www.ontracmortgagebrokers.com.au/ -loan-check

29/09/2026

We know this is not good news for borrowers and prospective home buyers.

PLEASE Remember we are on your side, and want to make sure your interest rate is at least competitive. Feel free to message us with your interest rate, call, email, book online or just walk in to discuss the interest rate on your home or investment loan and we will tell you if we can improve it.

Most borrowers will see their interest rate rise by mid October 2026.

Phone: (03) 5144 1866
Email: [email protected]
Address: 164 Raymond Street, Sale VIC 3850
Book Online: https://www.ontracmortgagebrokers.com.au/book-an-appointment/

24/09/2026

See y'all on Monday 🏉

Whilst we are shut, don't be a stranger to complete a Health Check of your home loan via our website, or book an appointment online with us for a chat about your finances.

https://www.ontracmortgagebrokers.com.au/
https://www.ontracmortgagebrokers.com.au/book-an-appointment/

22/09/2026

That is a HUGE amount of money saved, especially in our current cost of living crisis.

These clients had a fairly standard sized home loan of $350,000, but with an interest rate over 8%, they were clearly not being looked after by their existing lender.

We make it as easy as possible for you to check if your home loan interest rate is competitive. You can always complete a Home Loan Health Check via or website, or just contact us if you prefer and tell us your interest rate!

https://www.ontracmortgagebrokers.com.au/
(03) 5144 1866
[email protected]

Address

164 Raymond Street
Sale, VIC
3850

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+61351441866

Website

https://www.ontracmortgagebrokers.com.au/

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