Your mortgage loan expert.

Quick, easy, reliable solutions for brokers.

Why VMG

A leader of flexible mortgage financial solutions for 80+ years, brokers can rely on the VMG team for superior mortgage broker services. With a focus on finding solutions to get your loan approved, not reasons to say no, VMG prioritise the needs of brokers and their clients. An easy process and fast approval are the central to VMG’s seamless experience, which is further supported by our highly competitive mortgage broker commission structure.

Experienced and supportive in mortgage loan lending to self-employed borrowers, and clients impacted by significant life events such as bankruptcy, divorce, or unemployment.
VMG’s SLA (Service Level Agreement) to Conditional Approval within 48-72 hours. This means that, provided that we receive all requested documentation in a timely manner, there is a commitment or expectation that conditional approval will be processed and delivered within that time frame.
No credit scoring
Flexible solutions-based lender
Flexible cash-out refinance policies

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.

Your mortgage loan expert.

Quick, easy, reliable solutions for brokers.

Why VMG

our lending standards

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