Orium Finance

Directions Website

Orium Finance At Orium Finance we’re more than your typical brokers.

We’re your independent finance specialists, with years of banking, finance and business advisory experience on our side.

Some refinances are about more than the loan.For this QLD client, the goal was to refinance an owner-occupied property i...
07/10/2026

Some refinances are about more than the loan.

For this QLD client, the goal was to refinance an owner-occupied property into her sole name as part of a separation agreement.

The lending needed to support a clear transition, while also considering her position after settlement.

Orium Finance arranged a $635,000 refinance at 60% LVR.

This allowed the client to retain the property, formalise the agreed asset division and preserve remaining funds for a potential future property purchase when appropriate.

In more complex life stages, the right finance structure can help create clarity and direction.

Navigating a change in circumstances? It may be worth reviewing your lending position early.
https://vist.ly/5mbiz

General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

A declined loan does not always mean the scenario is impossible.Sometimes, it means that lender’s policy was not the rig...
05/10/2026

A declined loan does not always mean the scenario is impossible.

Sometimes, it means that lender’s policy was not the right fit.

Different lenders can assess the same situation in different ways.

That is why understanding the policy behind the answer matters.

A “no” can feel final, but in lending, context matters.

General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

When did you last look at your home loan properly?Not just the repayment.The structure, features, rate type and whether ...
01/10/2026

When did you last look at your home loan properly?

Not just the repayment.

The structure, features, rate type and whether it still suits where you are now.

A loan review does not mean something needs to change.

It can simply help you understand your current position, what has shifted and what options may be worth considering.

If your circumstances, goals, rate type or loan features have changed, it may be time to take a closer look.
https://vist.ly/5kimz

General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

Thinking about buying another property?You may not always need a separate cash deposit sitting in the bank to get starte...
30/09/2026

Thinking about buying another property?

You may not always need a separate cash deposit sitting in the bank to get started.

For some property owners, the equity built up in an existing property may form part of the funding strategy for a future purchase.

How much equity may be available can depend on several factors, including the property's value, the amount still owing on the loan, lender requirements, and your overall financial position.

Any additional borrowing would also be subject to lender assessment and approval criteria.

Understanding your equity position can be an important first step before making plans or assumptions about what may be possible.

Sometimes the numbers are different to what people expect.



General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

A bigger deposit can help, but it does not tell the full story.Lenders may still look at your income, expenses, existing...
29/09/2026

A bigger deposit can help, but it does not tell the full story.

Lenders may still look at your income, expenses, existing debts, credit limits and overall borrowing position.

Your deposit also needs to be considered alongside upfront purchase costs, such as stamp duty, legal fees and inspections.

Before you start searching, it may be worth understanding how your deposit fits into the bigger lending picture.
https://vist.ly/5k8pm

General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

Thinking about changing jobs while your home loan application is underway?It may be worth understanding how that change ...
25/09/2026

Thinking about changing jobs while your home loan application is underway?

It may be worth understanding how that change could be viewed by a lender before making any decisions.

A new role does not automatically create an issue.

However, factors such as employment type, probation periods, changes to income, and timing within the application process may all be considered as part of a lender's assessment.

The impact can vary depending on your circumstances and the lender's criteria.

If a job change is on the horizon, taking it into account as part of your broader home loan plans can help you make informed decisions throughout the process.

Every application is different, which is why timing can matter just as much as the change itself.



General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

Your deposit is only one part of the buying budget.Many buyers also need to allow for costs such as stamp duty, legal fe...
23/09/2026

Your deposit is only one part of the buying budget.

Many buyers also need to allow for costs such as stamp duty, legal fees, inspections, loan-related costs, insurance, moving expenses and early maintenance.

These costs can vary depending on the property, location, lender and your circumstances.

Before making an offer, it may be worth getting clear on the full purchase budget, not just the deposit amount.
https://vist.ly/5jgvc

General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

There are no silly questions when you are buying your first home.Especially when the process comes with so many new term...
21/09/2026

There are no silly questions when you are buying your first home.

Especially when the process comes with so many new terms, acronyms and moving parts.

LVR. LMI. P&I. Offset. Pre-approval.

It can feel like another language at first.

The right guidance should make the process clearer, not more confusing.

Questions are part of the process.

General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

What is the biggest home loan myth you used to believe?There is a lot of information out there, and not all of it is acc...
17/09/2026

What is the biggest home loan myth you used to believe?

There is a lot of information out there, and not all of it is accurate.

Some people think they need a certain deposit amount before they can explore their options.

Others assume their employment type, income structure, or existing commitments automatically rule them out.

The reality is that lending requirements can vary between lenders, and outcomes will always depend on individual circumstances and assessment criteria.

That is why it is important to separate common assumptions from reliable information.

We would love to hear from you.

What is one thing you believed about home loans before you started researching the process? Send us a DM. Chances are, someone else has wondered the same thing too.



General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

Family support can help make a property purchase feel more achievable.But not all family help is treated the same way.A ...
16/09/2026

Family support can help make a property purchase feel more achievable.

But not all family help is treated the same way.

A gift, family guarantee, family loan or joint purchase can each affect the lending application differently.

The structure matters, not just the amount being contributed.

Before agreeing to anything, it may be worth understanding how the arrangement could be viewed by a lender, and whether legal or tax advice is needed.
https://vist.ly/5ikze

General information only. It does not consider your personal circumstances. Orium Finance is a Credit Representative of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.

Address

5D, 66 High Street, Randwick
Sydney, NSW
2031

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Website

Alerts

Be the first to know and let us send you an email when Orium Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category