On Trac Finance Brokers

On Trac Finance Brokers 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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On Trac Mortgage Brokers Pty Ltd, ABN 69 105 296 446, Credit Representative Number 391747
National Mortgage Brokers Pty Ltd.

Nope. In fact, your borrowing power is often stronger as some of your business expenses can be added back to your net pr...
03/09/2026

Nope.

In fact, your borrowing power is often stronger as some of your business expenses can be added back to your net profit.

🔹 ABN more than 2 years old – You may have access to a wide range of lenders
🔹 ABN 1–2 years old – There are still plenty of lenders who may be able to help
🔹 ABN less than 1 year old – Your choice of lenders may be more limited, but options can still be available
🔹 Recently switched from PAYG to contracting in the same role? – Some lenders may be able to consider your application straight away.
🔹 Some lenders also take a simple approach and just take your taxable income or your wage so that business debts can be ignored

Every situation is different, and lender criteria applies. The easiest way to find out what options are available to you is to have a chat with us! Book your no-obligation appointment today: https://www.ontracmortgagebrokers.com.au/book-an-appointment/

🌸 SPRING IS IN THE AIR! 🌸And what better time to give your finances a good spring clean? 🧹💰 With Christmas now just 3 mo...
01/09/2026

🌸 SPRING IS IN THE AIR! 🌸

And what better time to give your finances a good spring clean? 🧹💰 With Christmas now just 3 months away, getting your finances in order now could put you in a better position to enjoy the warmer months.

Here’s how we can help:

🏡 Review your home loan to make sure your interest rate is competitive
🔍 Search for a better deal if there’s a more suitable option available
💳 Consolidate your credit cards, personal loans or car loans to reduce your overall repayments
💰 Top up your home loan to help with larger upcoming expenses

Why not give your finances a fresh start this spring? Get in touch with the On Trac team for a chat and let’s see what we can do. 😊 Call 03 5144 1866 or book online: https://www.ontracmortgagebrokers.com.au/book-an-appointment/

Choosing between a fixed and variable rate can make a real difference to your repayments and peace of mind. Here’s a qui...
28/08/2026

Choosing between a fixed and variable rate can make a real difference to your repayments and peace of mind. Here’s a quick breakdown:

Fixed Rate
✅ Your interest rate stays the same for the fixed period (usually 1–5 years)
✅ Repayments are predictable – easier to budget
✅ Protection if rates rise
❌ Less flexibility (break costs if you want to refinance or pay extra)
❌ You miss out if rates fall

Variable Rate
✅ Rate can go up or down with the market
✅ Usually more flexible (extra repayments, redraw, offset accounts)
✅ Potential to save if rates drop
❌ Repayments can increase if rates rise
❌ Harder to budget with certainty

There’s no one-size-fits-all answer – the best choice depends on your goals, risk tolerance and how long you plan to keep the loan.
Thinking about locking in or switching? Let’s chat.
Contact us today on 03 5144 1866, or book online:
https://www.ontracmortgagebrokers.com.au/book-an-appointment/

I'm glad you asked! A Pre-Approval is where a lender assesses your ability to borrow a home loan before you commit to bu...
26/08/2026

I'm glad you asked! A Pre-Approval is where a lender assesses your ability to borrow a home loan before you commit to buying a property. You receive approval to buy a property up to a set purchase price and loan amount. ✅️

This makes your offer much stronger and takes away a lot of the stress in the home buying journey. 🏠️

Would you like Pre-Approval to purchase your next home or investment property? Contact us today on 03 5144 1866, or book online: https://www.ontracmortgagebrokers.com.au/book-an-appointment/

If you apply for a loan at your local bank branch and are not happy with the outcome or the interest rate, how do you kn...
19/08/2026

If you apply for a loan at your local bank branch and are not happy with the outcome or the interest rate, how do you know which other lender to try?

As your local Mortgage Broker, our job is to consider a wide range of lenders to find you the best deal at a lender who will consider your application.

Contact us today for a chat on 03 5144 1866 or book online: https://www.ontracmortgagebrokers.com.au/book-an-appointment/

A common myth for First Home Buyers is they need to take out a credit card or car loan before they will qualify for a ho...
07/08/2026

A common myth for First Home Buyers is they need to take out a credit card or car loan before they will qualify for a home loan. NOT TRUE! 🤯

A lender would much prefer to see you have consistent savings than a credit card.

Just come and see us for a chat, we will point you in the right direction 👉

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

🚶‍♂️🚶‍♀️ LINE UP, LINE UP! 🚶‍♀️🚶‍♂️Why pay a higher interest rate than you need to?Saving 1% on a $500,000 home loan cou...
05/08/2026

🚶‍♂️🚶‍♀️ LINE UP, LINE UP! 🚶‍♀️🚶‍♂️

Why pay a higher interest rate than you need to?
Saving 1% on a $500,000 home loan could save you $5,000 in interest PER YEAR! 🤯

Come in for a quick, no-obligation review of your home or investment loan with our team. It only takes a few minutes and could save you thousands. 💵🙌

💚 We're ready when you are. Drop in and let’s see if we can get you a better interest rate today.

Call 03 5144 1866 or book an appointment online here: https://www.ontracmortgagebrokers.com.au/book-an-appointment/

What a great evening at Gippsland Grammar’s Careers Night Expo on Tuesday!Zac Wheeler and Mitch Lummis enjoyed meeting s...
31/07/2026

What a great evening at Gippsland Grammar’s Careers Night Expo on Tuesday!

Zac Wheeler and Mitch Lummis enjoyed meeting students and parents, answering questions and chatting about the many opportunities a career in finance can offer.

Thanks to Gippsland Grammar for having us and for creating such a valuable event for the local community. 🙌

🐑 We always knew Kellie could handle anything... but we didn't expect her to add midwife to her resume! 💕After successfu...
29/07/2026

🐑 We always knew Kellie could handle anything... but we didn't expect her to add midwife to her resume! 💕

After successfully delivering two adorable baby lambs, she's now taking on the role of Carer too. She is as caring towards her lambs as she is for her clients!

Whether it’s helping welcome new arrivals or guiding clients through the journey to home ownership, Kellie is always ready to lend a helping hand.

P.S. Pearl and Poppy are doing great! ❤️

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

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