Finance Broker Melbourne & Williamstown
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.
20 Years
Working in the Australian finance industry
90+
Finance lenders on our panel
Williamstown
Based Finance Broker
Work with a Finance Broker Near You
Banks sell their own products. That’s the deal you get when you walk in and ask for a loan.
An independent finance broker works differently. We compare your situation against 90+ lenders.
We bring back what genuinely fits. It doesn’t matter which bank offers it.
Justin Shiong has 20 years of experience in the finance industry. His background covers residential lending, business banking and commercial lending. That experience means we usually know within a few questions what’s realistic for your situation and where to start.
- Compare across 90+ lenders, not just one
- No pressure to choose an in-house product
- One point of contact from application through to settlement
- Local to Williamstown and easy to meet in person
No bank ties. No one-size-fits-all finance advice. Just a Melbourne finance broker that cares.
Ready to start your financing journey?
0411825257
Finance & Brokerage Services in Melbourne
Refinancing
Every lender has a different appetite, and the gap between the wrong one and the right one can cost you thousands over the life of your loan. With 90+ lenders on our panel, across home loans, commercial, equipment, unsecured and private lending, we know exactly who to approach for your particular scenario. As a mortgage broker Williamstown clients turn to for exactly this kind of variety, we don't just find you a lender. We find you the right one.
Home Loan Lending
Home loan lending covers new home purchases and restructuring an existing home or commercial loan you've held for a few years. Loan terms and lender appetite shift constantly. What suited you when you first borrowed may not suit you now, and it's worth checking every couple of years whether your loan is still working for you.
Business & Commercial Lending
Business and commercial lending covers everything from an everyday overdraft to more complex facilities like debtor and trade finance. We arrange traditional business loans and overdrafts, unsecured lending, and finance for franchises or new start-ups. Assessment types range from full documentation through to no-doc. The right one depends on what your business can show.
Equipment Finance
Equipment finance funds the vehicles, tools and fit-outs your business needs. It won't tie up the cash flow you need for everything else. We arrange finance for new and used cars, trucks, trailers and boats, plus shop fit-outs, solar panels, point-of-sale systems and racking.
Development Finance
Development finance funds residential and commercial construction projects. That spans townhouses, apartments and subdivisions. The major banks fund less development finance than they used to, so we work with alternative lenders who still actively fund development projects. Get in touch to talk through what's realistic for yours.
SMSF Loans
SMSF loans let your self-managed super fund borrow to purchase or refinance commercial property. We structure these loans within SMSF borrowing rules. That covers both new purchases and refinances of existing arrangements.
Finance & Brokerage Services in Melbourne
Personal & Home
- Home loans
- Refinancing, residential and commercial
- Personal loans, including debt consolidation
- Foreign investor loans (FIRB)
Business & Commercial
- Overdrafts and business loans
- Franchise lending, secured and unsecured
- Cashflow finance (debtor and trade finance)
- Unsecured lending for ABN holders
- Private lenders and private funds
Property & Super
- Construction and development finance (townhouses, apartments, subdivisions)
- SMSF loans, new purchases and refinances
- Equipment finance (cars, trucks, trailers, yellow goods, technology, fit-out)
- Private funds for short-term property transactions
Melbourne Suburbs We Serve
Oscar & Charles is based in Williamstown, and that’s where you’ll find us in person.
Most of our clients are local to Williamstown and the inner west. We also work with clients across greater Melbourne.
Suburbs we regularly provide finance brokerage services to include Williamstown, Newport, Spotswood, Yarraville, Seddon, Footscray, Altona and Altona North.
90+ Lenders We Trust Since 2018
We’ve worked with this panel of lenders since 2018, long enough to know exactly how each one operates. That’s what lets us match you with the right lender, not just any lender.
Start Your Financing Journey with a Finance Broker Near You
Justin, as one of the top finance brokers in Williamstown, Melbourne, cares as much about your success as his own. Here’s how you can get started:
Have a chat with Justin
Get in touch with us about your financing needs. We’re always open for a chat.
Review your scenario
We look at what you need, assess your situation, and check it against our panel of 90+ lenders.
Right lender match
We bring back the options that actually fit and explain the trade-offs in plain language.
Settlement and beyond
We manage everything from paperwork to settlement, and we’ll still be here even after situations change.
What Our Williamstown Clients Say
With 20 years of experience in the finance and mortgage industry, we've worked with thousands of home and business owners across Melbourne top-of-the-line brokerage assitance.
Common Questions About Oscar&Charles
What does a finance broker in Melbourne do?
A finance broker compares loan products across multiple lenders.
Compared to banks, which can only offer you their own products, Oscar&Charles checks your situation against 90+ lenders and recommends the options that actually fit your circumstances.
How do I find a finance broker near me?
Look for a broker who’s local, independent and has a panel broad enough to cover your situation. Oscar & Charles is based in Williamstown and works with clients across Melbourne’s inner west, namely Newport, Spotswood, Yarraville, Kingsville, Seddon, Altona, and Melbourne CBD.
What's the difference between a mortgage broker and a finance broker?
A mortgage broker primarily specialises in home loans, whereas a finance broker offers a broader range of financing services that include home loans, business financing, commercial loans, equipment financing, and SMSF lending.
Oscar & Charles provides all of these services and assists individuals in finding the right financing solutions for their specific needs.
Does it cost anything to use a finance broker?
In most cases, lenders pay brokers once a loan settles. You’re not usually charged directly.
Here at Oscar&Charles, we keep everything transparent. We’ll always explain how we’re paid before you commit to anything.
How many lenders does Oscar & Charles compare?
We collaborate with over 90+ lenders throughout Australia.
Our panel includes options for home loans, commercial lending, equipment finance, unsecured loans, and private funding. With almost 100 lenders, you can rest assured that we will find the right financing for you.
Talk to a Finance Broker in Melbourne That Understands You
Every situation is different, and the fastest way to know what’s realistic for yours is a conversation. And having a finance broker near you in Williamstown, Melbourne is a great advantage.