Home Loans, Structured Properly
We’ll help you buy, refinance or plan ahead — with guidance that’s clear and personal.
No credit checks. No impact on your credit score.
We don’t just compare loans — we find the right one for you.
From your first home to your next investment, we match your goals with the best options from over 50 lenders.
Buy a Property
Buying a home? We compare 50+ lenders to find a loan that fits your goals. Clear guidance, less stress, and support from application to settlement.
Refinancing
Refinance your home loan with confidence. We’ll help you reduce repayments, access equity, or consolidate debt — without the guesswork.
Pre-Approval
Pre-approval gives you clarity and confidence to buy. We’ll help you get loan-ready quickly — especially if you’re bidding at auction.
First Home Buyers
Buying your first home? We’ll help you understand your options, secure pre-approval, and navigate the process with clear, expert advice.
Investment Loans
Smart investment property loans with the right structure, strategy, and support to maximise cash flow, tax benefits, and future borrowing power.
Construction Loans
Planning to build or renovate? We’ll guide you through the process with the right construction loan and lender to suit your project.
More loans. More choice.
We compare hundreds of options across 50+ lenders — including the big banks, credit unions, and smaller specialists — to help you find the right loan now, and down the track.
Meet Patrick Morgan – Your Trusted Mortgage Broker
I'm Patrick, founder of OGMA Finance. With years of experience and a genuine passion for helping people, I specialise in home loans, first home buyer approvals, refinancing, and investment lending.
Whether you're planning your next move or just want expert guidance, I’ll help you make informed, confident decisions — every step of the way.
Patrick Morgan
Founder & Director, OGMA Finance
Passion. Experience. Results.
We've used Patrick at OGMA as our broker twice - once when we purchased our house in 2021, and just recently when we refinanced as our fixed rate was ending. Both times his service has been excellent. The purchase in 2021 was quite complicated as our loan pre-approval (that we had organised separately ourselves) was unexpectedly rejected after purchase and Patrick had to hurriedly find us new lender options, which he was very successful with. Similarly when I approached him a couple of months ago about refinancing to another lender, he, Rebecca and the team made the process as easy as it could possibly be. I would definitely recommend them to anyone!
~ Monica R.
Why Choose Us?
We put clarity and confidence at the centre of every decision.
Whether you’re buying your first home, refinancing, or planning ahead, we compare hundreds of loan options to find what works best for you — and walk you through it step by step.
Expertise that counts
We know the products, the policies, and the lender quirks — so we can help you avoid roadblocks and get the right loan, faster.
We work for you — not the bank
We’re legally required to act in your best interests. So, the advice you get is always about what’s right for you, not the lender.
Transparent fees
Most of our services are free — we’re paid by the lender. If a fee ever applies (like a refundable pre-approval cost), we’ll always flag it upfront.
Stress-free process
We’ll handle the paperwork, follow up with the lender, and keep you in the loop — so you can focus on what matters.