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:
Residential mortgages
Debt consolidation loans
Small business loans
Loans secured by residential property
Alternative lending solutions for clients who don’t meet traditional criteria
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.
Thank you for submitting the form!
Please allow our team 24-48 hours to review your documents and get in touch. For urgent assistance, call us at 8600 7900.