Who We are ?


At Triple O Finance, we strive for excellence in all that we do and look forward to helping you reach your finance goals. We believe that loan products should be easy to understand, easy to access and allow you peace of mind.

You should think of us as a professional resource in the same way you think of your accountant, financial planner or solicitor. You can rely on us to always think of your best interests.

We will work with you and your service providers (real estate agent, conveyancer and lender) during your purchasing or re-financing process, while ensuring you obtain the finance that best suits your circumstances and needs.

When you call Triple O Finance, you will speak to a real person. We will guide you through your loan process, providing you with information and support every step of the way. Please contact us to learn more about how we can help you today.


Our Vision & Mission

To be the first & trusted choice for essential & emergency services workers looking for Loan Advice or Credit Advice, when it comes to home loans our loan specialists can find the right loan solution for you to build your property portfolio.


Jane

Nishant Snehi Ramavat

Director

Mike

Ash Shrestha

Director


How can we assist Police Officers in their Loan Application?

Due to the dangerous and risky nature of the policing role, most Police Officers perform numerous hours of overtime per rostered shift. While most lenders generally accept 80% of the overtime income, we have lenders on our panel who will accept 100% of the police overtime income which provides a well deserved and much needed boost to their application. We have experience and knowledge in identifying what documents are required for lenders to be able to use Police overtime income.



What about Police Salary Packaging?

Fringe benefits for Police Officers can include novated leasing to purchase a vehicle, clothing allowances for specialist police and even voluntary super contributions.

While most lenders only accept gross income without taking salary sacrifice tax benefits into consideration, we have lenders on our panel who can consider salary packaging benefits as "tax-free part" meaning they will consider salary packaging as part of your assessable income which again greatly increases your borrowing capacity.

We Support Police Legacy. Please donate to Police Legacy via this link: https://portal.policelegacynsw.org.au/ donations



Home Loans for our Defence Force Members

Are you a part of the Australian Defence Force in either Permanent Forces or Reserve Forces and not sure how your income and allowances are calculated?

Serving your country should not mean you should miss out on opportunities. We have lenders on our panel who we work with closely in assessing your income and allowances (including tax free income for Reservists)

We work closely with the lenders to ensure that all Government Benefits offered to Defence Force Members are assessed and used in your loan application.



What Defence Force benefits and schemes are available for me?

You may be eligible for the below listed schemes offered to ADF members, however we do recommend checking your eligibility with your CO's Office.

HPAS - Home Purchase Assistance Scheme

This scheme assists members with the application process and legal fees.

DHOAS - Defence Home Ownership Assistance Scheme.

This scheme depends on the length of time you have been serving or have served. Certain qualification service period eligibility is required to qualify for this scheme. We recommend you check your eligibility with your respective Units.

FHLDS - First Home Loan Deposit Scheme

This is an Australian Government Initiative to support eligible First Home Buyers to purchase their First Owner Occupied Home sooner. Usually, First Home Buyers with less than 20% deposit need to pay high LMI (Lender Mortgage Insurance) costs. Under the FHLDS scheme, eligible First Home Buyers can purchase a home with a deposit with as little as 5%. To learn more, please see this link: https://www.nhfic.gov.au/what-we-do/support-to-buy-a-home/fhlds/.

Our Success Stories

Our partners work with us because they believe in the value of our platform.

"This team always kept my family advised throughout the entire refinance application process and did all the hard work to make the process a smooth and painless process. We strongly recommend using them for all your financial issues."

New Home Construction

Manish & Shruti

"Whether it was the selection of our first dream home OR it was working out the best deal with lenders. They have always put us before anything else. Our dream of purchasing our first home would not have been possible without them."

First Home Buyer

Amelia

We are here to help you

Our mission is to guide our heroes in securing a wealthy future with property investments.

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