Straight-Up Lending Advice.
No Bank Bullsh*t.

At OAC Lending, we keep it simple. No complicated bank talk. No hidden fees. Just clear, honest help to get the right loan for you, whether you’re buying your first home, upgrading, investing, or financing gear for the business.

We work with tradies, contractors, small business owners and hard-working
Aussies who want real answers and the right deal, without the runaround.

We Can Help With:

  • A modern multi-story house during sunset with illuminated entrance, white garage door, and landscaped front garden with flowers and small trees.

    First Home Buyers


    Buying your first home? We’ll walk you through it step-by-step. We’ll help you figure out what you can afford, get pre-approved, and deal with the paperwork…without the stress. Government grants? We’ll make sure you don’t miss a cent.

  • Living room with a beige sofa, purple armchair, and a wooden coffee table with decorative vases. The room has blue accents, artwork on the walls, and an open kitchen with a breakfast bar and barstools. Stairs lead to the upper level, and a side table with a lamp and plant is nearby.

    Next Home Buyers


    Upsizing, downsizing, or just want a change? We’ll help you make the move, sort out the finances and make sure you don’t get stung by the bank in the process.

  • A modern two-story house with a white exterior, a balcony, and a screened porch next to a swimming pool in a backyard with tropical plants and palm trees, under a partly cloudy blue sky.

    Investment Properties


    Looking to build wealth or set yourself up for the future? We’ll help you structure your loan properly so your investment actually works for you - not against you - come tax time.

  • View of an outdoor swimming pool with a small stone house in the background, surrounded by lush green trees and hillside, with a cloudy sky overhead. There is a white dog lying on the pool deck near the pool, and lounge chairs and outdoor furniture are visible around the pool area.

    SMSF Property Loans

    Got a self-managed super fund and want to buy property through it? No dramas. We’ve got the know-how to keep it compliant and set up right from the start.

  • An open-plan office at night with employees working at desks with computer monitors, illuminated by hanging light bulbs, with large windows and white walls.

    Commercial Property

    Buying a shed for the business? Expanding to a bigger space? We’ll help you finance commercial property without overcomplicating it. Clear advice, no waffle.

  • A yellow excavator on a dirt construction site under a blue sky.

    Asset Finance (Vehicles & Equipment)


    Need a new ute?     Upgrading your tools or machinery? Even buying a boat? We’ll help you finance the gear you need to keep things moving, with flexible options and competitive rates.

Why Go Through OAC Lending?

✔ We speak your language. No banking jargon, no lectures.

✔ We actually listen. We take the time to understand your situation.

✔ We work for YOU, not the banks. We compare lenders and find the best fit.

✔ We know small business. We work closely with OAC Accounting, so if you’re self-employed, we’ll make sure your books and your lending line up.

✔ We keep it moving. Fast turnaround, no fluff, and you’re never left in the dark.

Built for tradies, small business owners, and everyday Aussies.

We get it! Not every lender understands how your income works when you’re self-employed, subcontracting, or juggling jobs.

We do.

We’ll work with you (and OAC Accounting if you’re a client) to present your finances in a way that gets the banks saying “yes”…even if your numbers are a bit all over the shop.

Serving hardworking Aussies from all across Australia

Home Loans | Business Loans | Asset Finance | Commercial Property | SMSF Loans

Contact Us
A vintage teal rotary dial telephone with a coiled cord on the right side.

Let’s Talk

Whether you’re ready to apply or just want to know your options, we’re here to help.

Give us a call, flick us a message, or tee up a time to chat. No pressure. Just straight answers and support from someone who actually gives a damn.

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OAC LENDING PTY LTD ABN 22 672 434 730      

Credit Representative 554300 is authorised under Australian Credit Licence 389328

Disclaimer: Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

DIsclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal; tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.