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Contact Us

Flexible home loan financing solutions, fast.

Choose a mortgage lender who prioritises you.

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What we offer

Looking for a mortgage lender that goes beyond traditional criteria to provide swift, high quality financial solutions? At Victorian Mortgage Group (VMG), we specialise in offering flexible home loan options tailored to your unique needs. For over 80 years our expert team has been empowering residential borrowers with innovative financial solutions.
We take pride in delivering on our promises with a quick turnaround time.Trust VMG to provide both brokers and borrowers with efficient and adaptable home loan financing solutions.

A couple smiling and satisfied with VMG mortgage services, celebrating their successful loan approval.

Home Loans

We specialise in providing flexible home loan solutions tailored to your unique financial needs. Whether you’re a first-time home buyer, looking to refinance, or seeking to invest, our range of products is designed to help you achieve your property goals.
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Small Business Loans

We recognise that every business has unique financial needs. If you need to get your business off the ground, to overcome a financial challenge, or to repay a debt, we can offer a loan solution to work for you.

A couple concerned about their debt situation, seeking VMG's expert opinion and financial services for solutions.

Debt Consolidation

Managing multiple debts can be overwhelming. We offer debt consolidation loans to help you regain control of your finances. By combining your existing debts into a single, manageable loan, you can benefit from potentially lower interest rates and simplified repayments.
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Our lending standards

Our team of professionals share a wealth of experience across all areas of banking and finance. You will benefit from our ability to anticipate, understand and resolve any issues that arise in the lending experience. Having financed more than 30,000 dwellings to date, we are more than prepared to support you.

Our Products & Services

SLA to Conditional Approval within 48-72 hours

Our Products
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Designed for Brokers to Provide Their Clients with the Loan Solutions They Need!

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Designed for Brokers to Provide Their Clients with the Loan Solutions They Need!

Find Out More
Two businessmen discussing VMG loan services, exploring options for business financing.

What our customers say

“I needed my loan approved and settled within 14 days – something I thought impossible. VMG delivered within 5 business days.”
Martin Hay
Martin HaySelf-Employed Borrower
“VMG were able to see the strong bones behind the disastrous credit report that many other lenders would decline from outset.”
Nicky Browitt,
Nicky Browitt,Mortgage Broker, Finance by Nicky
“VMG never once put a foot wrong throughout the entire process, which is generally a hard-to-come-by experience with lenders.”
Travis Fulton
Travis FultonLantern Capital Pty Ltd
"VMG swiftly approved a complex home loan after another lender's decline. Their responsive team kept us informed, leading to overjoyed clients."
Peter Chung
Peter ChungMortgage Broker
"Facing funding challenges, VMG collaborated closely, providing updates and securing approval. Highly recommend them to fellow mortgage brokers."
Sanaa Broury
Sanaa BrouryOHM Trading Pty Ltd
"VMG offers a fantastic, solution-based experience, consistently prioritising the customer in every aspect of mortgage lending."
David Flood
David FloodMCP Group
"VMG provided exceptional service. Their proactive communication and practical approach ensured seamless s processing of our mortgage applications, overcoming typical hurdles effortlessly."
Lachlan Bird
Lachlan BirdMoney Quest – Wonthaggi
"The team was always available, addressing queries promptly. Their assistance was invaluable in achieving a successful loan settlement."
Kumara Jayaweera
Kumara JayaweeraMontreo Finance & Insurance
"VMG accomplished a deal unattainable by other mortgage lenders. We'll definitely collaborate with them again."
Taylor Campbell
Taylor CampbellOutside In Finance
"VMG found a solution for a very difficult deal. They worked with us on approval and were very easy to deal with."
Kirsty McKinnon
Kirsty McKinnonFlair Finance
"Competitive product for the borrower's situation. Relatively straightforward application, approval and settlement process. Proactive BDM. I will use VMG again where appropriate."
Phillip Berner
Phillip BernerLighthouse Home Loan Advisors Pty Ltd
New Alt Text: VMG - Victorian Mortgage Group - Trusted mortgage solutions recommended by mortgage brokers.

Frequently Asked Questions

Q: What is Victorian Mortgage Group (VMG)?
A: Victorian Mortgage Group (VMG) is an Australian non-bank mortgage lender that has been providing flexible home loan solutions since 1946. VMG specialises in lending for borrowers who fall outside standard bank criteria, including the self-employed, credit-impaired borrowers, and those who have experienced significant life events such as bankruptcy or divorce. VMG works exclusively through accredited mortgage brokers across Australia.
Q: What types of home loans does VMG offer?
A: VMG offers a tiered range of residential mortgage products: Prime (for borrowers with clean credit histories), Near Prime (for those with minor defaults or credit impairments), Specialist (for borrowers with more significant credit challenges), Specialist+ (for debt restructuring and complex scenarios), and Flexi Business+ (for small business lending secured by residential property). Each product is designed to serve borrowers at different stages of their credit and financial journey.
Q: Does VMG use credit scoring to assess loan applications?
A: No. VMG does not use automated credit scoring. Every application is assessed individually by an experienced credit team using a common-sense lending approach. This means borrowers with imperfect credit histories — including defaults, late payments, or discharged bankruptcies — are still considered on the merits of their full financial situation.
Q: How quickly can VMG provide a conditional loan approval?
A: VMG’s standard SLA for conditional approval is 48 to 72 hours, subject to timely receipt of all required documentation. This fast turnaround is central to VMG’s value proposition for brokers managing time-sensitive client situations.
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Please allow our team 24-48 hours to review your documents and get in touch. For urgent assistance, call us at 8600 7900.

You can give us a call at 03 8600 7900 to clarify your questions.

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