We help you navigate first home buyer assistance programs, including stamp duty concessions and low-deposit schemes.
Secure your first home loan quickly and hassle-free, so you can focus on what matters—moving into your new home and achieving your homeownership goals.
Explore loans that require as little as a 5% deposit and government incentives like the First Home Owner Grant. Low deposit options for investment property are also available for Police Officers.
From pre-approval to settlement, we handle the paperwork and negotiations for you.
We ensure transparency in fees, loan terms, and repayments so you can budget effectively.
Access over 40 lenders, giving you more options to secure the most competitive and suitable refinancing deal.
Get started with a free strategy session to explore your best options.
Looking to build wealth through property? Many police officers leverage their stable income to secure investment loans with better terms and higher borrowing capacity.
Success Story: Sergeant Lisa wanted to grow her portfolio but was unsure how to structure her loans. We helped her refinance her existing home, release $150,000 in equity, and secure a new investment property with an 80% LVR loan at a discounted interest rate!
Want to start investing? Contact us for expert advice!
Comprehensive Income Assessment: We acknowledge that overtime and allowances constitute a significant portion of a police officer’s income. Unlike standard lenders who may discount these earnings, we consider 100% of your overtime and allowances when assessing your borrowing capacity. This approach ensures you can maximize your borrowing potential.
Exclusive LMI Waivers: Understanding the financial burdens you face, we offer Lenders Mortgage Insurance (LMI) waivers for loans up to 90% of the property value. This benefit can save you thousands of dollars, making homeownership more attainable.
Competitive Interest Rates: Our strong relationships with over 40 lenders enable us to negotiate highly competitive interest rates exclusively for police officers. These rates are often more favorable than standard offerings, ensuring you receive the best possible deal.
Support for Probationary Officers: We recognize the challenges faced by officers early in their careers. Our policies are designed to accommodate probationary constables, ensuring you have access to the financial support you need from the outset.
Yes! Many lenders offer special benefits to police officers, such as LMI waivers, higher borrowing capacity, and competitive interest rates. At Triple O Finance, we work with lenders who recognize the stability of police employment and offer tailored loan solutions.
Absolutely. Unlike standard lenders who may not consider overtime or only count a portion of it, we work with lenders who accept 100% of overtime, allowances, and penalty rates, which can significantly increase your borrowing power.
Yes! Even if you’re on probation, many lenders will still approve your home loan application based on the stability and security of police employment. We help probationary officers access low-deposit home loans with competitive rates.
Yes! Many police officers can qualify for loans with as little as a 5% deposit, and in some cases, even Lenders Mortgage Insurance (LMI) waivers for loans up to 90% of the property value. We can help you explore your options.
As a first home buyer, you may qualify for the First Home Owner Grant (FHOG) and stamp duty concessions, depending on your state. We’ll guide you through the eligibility criteria and help you maximize your benefits.
Yes! As a police officer, you may be eligible for higher borrowing limits and competitive investment loan rates. We can also explore using your existing equity to finance additional property purchases.
The best loan option depends on your financial goals. Popular choices include:
We assess your financial situation and find the best structure for your investment portfolio.
Yes, you may be able to use your Self-Managed Super Fund (SMSF) to invest in property. However, SMSF lending has strict regulations, so it’s essential to get expert advice before proceeding.
Yes! Lenders consider rental income when assessing your borrowing capacity. Some lenders also take into account negative gearing benefits to improve your loan eligibility.
At Triple O Finance, we specialize in helping police officers build long-term wealth through property investment. We guide you in:
✔️ Using equity from existing properties to purchase additional homes.
✔️ Structuring loans to minimize tax and maximize cash flow.
✔️ Finding lenders who offer the best terms for police investors.
Whether you’re a first home buyer or a seasoned investor, Triple O Finance is here to help police officers secure the best home loan solutions.
Discover how Triple O Finance helped a dedicated Police Officer secure their first home. With tailored financial solutions and expert guidance, their property has now grown in value, marking a successful step towards long-term financial security.
Saving for a home deposit can be one of the biggest challenges for first-time buyers. From understanding how much deposit is needed to explore low-deposit loan options and government grants, we guide you through every step. Learn how Triple O Finance helps first home buyers, especially emergency professionals, overcome deposit hurdles and make homeownership achievable
If you're a Police Officer, ready to buy an owner occupied property or an investment property, we're here to help. We work with over 60+ lenders to find the best home loan for police officers.
LMI Waivers | Higher Borrowing Power | Discounted Interest Rates
We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!
We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.
We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.
I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.
By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T
I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.
Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.
