Why should brokers partner with VMG?

VMG offers competitive products, flexible lending policies, no clawbacks on commissions, dedicated BDM support, and access to specialist and near prime products not available through standard bank channels.

How do I grow my business as a VMG accredited broker?

Accredited VMG brokers gain access to the full product range, dedicated BDM support, broker resources, training materials, and a commission structure with no clawbacks.

How do I get accredited with VMG?

Apply online via the Get Accredited page at vicgroup.com.au/get-accredited. Accreditation provides access to VMG's complete product suite and broker support team.

Specialist Lending for Mortgage Brokers

Quick, easy, and reliable mortgage solutions for brokers.

Grow Your Business as a VMG Accredited Broker

A trusted provider of flexible mortgage solutions since 1946, Victorian Mortgage Group (VMG) is a reliable partner for brokers seeking expert support and fast, consistent results. We focus on finding solutions, not reasons to decline, and we prioritise the needs of brokers and their clients at every stage of the lending process.

Our streamlined application process, fast approvals, and competitive mortgage broker commission structure ensure a smooth, rewarding experience that helps you grow your business with confidence.

Our Mortgage Solutions Include:

Specialist Lending with a Personalised Approach

We offer a flexible, solutions-focused approach designed to support non-traditional borrowers, including the self-employed and those affected by significant life events such as bankruptcy, divorce, or unemployment.

Key Features:

Fast Turnaround: Conditional approval within 48–72 hours (subject to timely receipt of required documentation)
No Credit Scoring: Each application is reviewed individually, not scored by automated systems
Common-Sense Lending: We take a practical, personalised approach to every deal
Flexible Cash-Out Refinance Options: Designed to give clients easy access to equity when they need it most
No Clawbacks

Our deep expertise allows us to anticipate and resolve lending issues quickly, support brokers with complex financial scenarios, and help clients achieve their financial goals, even when other lenders say no.

our lending standards

Servicing buffer at 2% on VMG loans and flexible buffer on OFI loans.
No credit scoring and no DTI or DSR ratios.
Full Doc with 2 BAS, management accounts, & bank statements.
Flexible approach to rental income (refer BDM) plus negative gearing addback up to 30% – effectively allowing two forms of income from rent.
Company debt excluded from personal servicing.
Commercial/business debt loan purposes, as long as residentially secured.
Alt Doc with Australia-wide expanded postcodes and revised Accountant’s Declaration (in line with industry standards). Find the declaration here for your reference.

Frequently Asked Questions

Q: How do I become an accredited VMG broker?

A: Brokers can apply for VMG accreditation by completing the online accreditation form on the Get Accredited page at vicgroup.com.au/get-accredited/. Once accredited, brokers gain access to VMG's full product range, dedicated BDM support, broker resources, and commission structure.

Q: Does VMG have clawbacks on broker commissions?

A: No. VMG operates a no-clawback commission structure. Brokers retain their upfront commission regardless of whether the loan is repaid within a standard clawback window — a significant advantage compared to many other lenders.

Q: What makes VMG's lending standards different for complex broker submissions?

A: VMG applies a 2% servicing buffer on VMG loans with a flexible buffer on other financial institution (OFI) loans, excludes company debt from personal servicing calculations, accepts Alt Doc submissions with an expanded postcode footprint Australia-wide, and allows negative gearing addback of up to 30% — effectively recognising two income streams from investment properties. There are no DTI or DSR ratio requirements.

Q: What client scenarios can brokers submit to VMG?

A: VMG considers a wide range of complex scenarios, including self-employed borrowers (Full Doc with 2 BAS, management accounts, or bank statements), clients with paid or unpaid defaults, discharged bankruptcies, and borrowers seeking cash-out refinance for commercial or business purposes secured by residential property. Brokers are encouraged to test scenarios using the online Scenario Form at vicgroup.com.au/scenario-form/ or contact their BDM directly.

Q: Does VMG lend across all states in Australia?

A: Yes. VMG lends nationally across all Australian states and territories. The Alt Doc products include an expanded postcode footprint, making VMG's specialist and near prime lending solutions accessible in a wider range of locations than many non-bank lenders.