To be the most trusted choice for Emergency and Essential Services workers seeking to achieve their homeownership and property investment goals.
We combine expert knowledge, seamless processes, and exceptional service to deliver lending solutions tailored to help each client live more comfortably and securely.
At Triple O Finance, we aim for excellence in every interaction and every loan. Our approach ensures that financial products are:
We collaborate with your service providers—whether it’s your real estate agent, conveyancer, or lender—to ensure a smooth purchasing or refinancing process. We take the time to understand your unique circumstances, matching you with finance solutions that best suit your needs.
When you reach out to Triple O Finance, you’ll connect with a real person who’s ready to guide you every step of the way. Our team is committed to providing the support and information you need to make confident financial decisions.
Contact us today to learn more about how we can help you achieve your financial goals.
Director/ Senior Finance Specialist
Ashish (Ash) is the Director and Founder of Oz Credit and Finance, trading as Triple O Finance with Nishant. Ash is highly skilled, multi-faceted & dynamic Director of OZ Credit & Finance Group. Ash is results oriented & solution-driven business entrepreneur in the Financial Services Industry. Ash’s specialisation in Residential Lending, Commercial Lending, Asset Finance and Investment Portfolio creation. Graduated with Graduate Certificate in Management, Bachelors of Justice Studies and Diploma in Mortgage Broking & Finance.
Ash has a strong commitment to educating his clients on the benefits of evidence and research-based investment strategies with the partnership of experts in the industry.
Director/ Finance Broker
Nishant has served the community in various roles within the Criminal Justice System for the last 14 years. Nishant founded Oz Credit and Finance trading as Triple O Finance with Ashish Shrestha, to assist hard-working members of the community to secure finance to achieve their financial goals.
Nishant specialises in Residential and SMSF Lending, Trade and Asset Finance. Nishant is skilled in Management, Leadership, Business Processes, Business Management, Negotiation and Policy, Compliance & Governance.
Finance Broker
Shikha began her professional life in a Corporate Sector working as a Data Analyst for several years. Shikha’s motive to step inside the world of mortgage broking was inspired by her passion for numbers and her commitment to assisting hard-working families to build their property portfolios.
Shikha’s experience in analytics and her knowledge gained from her Bachelor of Commerce brings a new perspective to the way she guides her clients. Shikha has expertise in assisting the ‘First Home Buyers’ and Single parents to get the right solution with a consistently smooth and seamless process.
Shikha works with Accountants, Financial Planners, Real estate Agents, Lawyers, and other professionals, to provide the right solutions according to the client’s individual goals.
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.
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
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.
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.
