About Oscar&Charles
Oscar & Charles is an independent finance broker based in Williamstown. We serve clients across Melbourne. We compare 90+ lenders to find the right home, business or commercial loan for your situation.
A Closer Look at the Person Behind Oscar&Charles
Justin Shiong is the founder of Oscar & Charles Finance Group.
He has spent seventeen years in banking, working in areas ranging from residential lending to corporate finance. This experience, along with a Diploma in Building and Construction, provides him with a practical understanding of property that many brokers lack.
His approach is straightforward: provide clear communication, set realistic timelines, and offer advice tailored to each client’s unique situation rather than a generic one-size-fits-all solution.
When he’s not at work, Justin can often be found courtside talking about basketball, working on a 90s Japanese JDM car, building an oversized Lego set, or being playfully managed by his two dogs, Oscar and Charles.
Ready to start your financing journey?
0411825257
The Story Behind the name
Oscar & Charles is named after Justin’s dogs, Oscar and Charles.
In this office, Oscar and Charles are affectionately referred to as the Little Managers. Their management style primarily involves napping under Justin’s desk and the occasional photobomb during video calls.
While it may seem like a lighthearted story, it holds a deeper meaning. Justin assists people in navigating one of the most significant financial decisions of their lives, and he believes it’s important for that process to come from a genuine place.
The Oscar&Chales Approach
Justin has spent nearly two decades in the banking and finance industry, covering brokerage services like residential lending and corporate finance.
He has experienced numerous policy changes, interest rate cycles, and shifts in assessment criteria over the years. Through all of these changes, he has guided clients through each version of the rules.
When you work with Justin, you get someone who has years of real-world experience in guiding clients, not just theoretical knowledge.
Justin remains accessible throughout the entire financing process. He will assist you at every step, explain timelines clearly, and break down financial jargon into plain English. You won’t have to chase him for updates, which is a promise he stands by.
Banks are increasingly tightening their assessment measures, making it harder to secure financing. Having an experienced professional broker by your side is no longer just a want; it’s a need in today’s market.
This support can mean the difference between smooth financing and a stressful experience.
The Brokerage & Financing Experience You Can Rely On
Let’s talk numbers for a second, because they matter (especially in financing).
With almost 20 years of experience in banking, ranging from residential lending to corporate finance, Justin utilises his Diploma in Building and Construction to better understand the actual construction of houses. This knowledge significantly supports him when assessing property finance, demonstrating the connection between fields.
– Credit Representative Number: [to be confirmed]
– MFAA / FBAA membership: [to be confirmed]
– 17 years of banking experience, residential through to corporate lending
– Based at 12-16 Parker Street, Williamstown
– Serving coverage: Inner West including Newport, Yarraville, Spotswood and Altona
What Oscar&Charles Stand For
Oscar & Charles Finance Group is committed to providing individuals and businesses with the financing advice they need to achieve their goals.
Client first
Your objectives shape the advice we offer, not the other way around. Always.
Straight answers
Clear expectations with no jargon, no surprises, and no pretending something’s simple when it isn’t.
One call away
Whether you call, text, or email, you’ll receive a prompt response from a real person.
Here to stay
Justin is the guy you turn to for your future brokerage and financing needs.
What Williamstown Locals Are Saying
4,200+ have sought help from OCFG for their home, investment, or business financing needs. Here’s what some of them said
Meet the Team
Justin Shiong
Oscar & Charles
Common Questions About Oscar&Charles
What is Oscar&Charles?
Oscar & Charles Finance Group (OCFG) is a finance and mortgage broking group based in Williamstown.
The founder, Justin Shiong, named the company after his two dogs, Oscar and Charles. And assists clients throughout Melbourne’s inner west and beyond with home loans, refinancing, and business finance, drawing on Justin’s twenty years of banking experience.
What services does Oscar&Charles offer?
OCFG offers assistance with home loans for first-time buyers and owner-occupiers, loan refinancing, as well as business and commercial lending, including equipment and asset finance.
No matter what stage you’re in (whether you’re buying your first home, refinancing, or expanding your business), Justin manages everything from the application process through to settlement.
What areas does Oscar&Charles cover?
OCFG is based in Williamstown. We work with clients across Melbourne’s inner west, including Newport, Yarraville, Spotswood, and Altona. Justin also works with clients across greater Melbourne and the CBD.
What does a mortgage broker do?
A mortgage broker evaluates loan options from various lenders to find the one that best suits your needs, rather than just settling for the first offer that comes along.
With Justin as your finance broker (also known as a mortgage broker), he compares rates, features, and lending criteria from numerous options to secure the right financing for you. He also oversees the entire application process from start to finish.
How do mortgage brokers get paid? Is it free to use one?
In almost every case, yes, it’s free for you.
Mortgage brokers typically get paid a commission by the lender once your loan settles, not by you. With Justin as your mortgage broker in Williamstown, you get a full disclosure explanation as to exactly how that works before you go any further.
Why use a mortgage broker instead of going straight to a bank?
A bank can only offer its own products, which is understandable; that’s part of their role.
In contrast, a broker’s job is to compare options from multiple lenders.
This approach saves you the hassle of researching and negotiating on your own and often uncovers deals that you wouldn’t find by just visiting a bank branch. As a result, you’re likely to secure a better rate and loan structure.
How do I choose the right mortgage broker?
Look for experience, clear communication, and someone who tells you upfront how they work and how they’re paid.
When looking for a mortgage broker for your first financing in Williamstown, consider how long they’ve been doing this, how responsive they are, and what past clients actually say.
Ready to Talk Financing?
Whether you’re buying your first home, refinancing, or growing a business, get in touch, and Justin will help you figure out the right move.