About Us

VMG only offers residential loans.
we offer

VMG is a non-bank, non-conforming, mortgage lender who are solution focused and put the broker and end customer at the centre of everything we do.

VMG has been around for over 80 years and prides itself on integrity and is widely known for its speed to market and flexibility.

It’s time to choose a lender who prioritises you!

We are experienced operators managing our own financial portfolio based on sound prudential principles whilst supplying superior client service. Our unique expertise is in applying common sense and providing flexible assessment criteria to create valuable solutions.

People shaking hands after a successful loan application with Victorian Mortgage Group, celebrating a successful partnership. | About Victorian Mortgage Group | Trusted Non-Bank Mortgage Lender Australia

VMG only offers residential loans.

we offer

A family-owned and operated business with a proud 80+ year history, Victorian Mortgage Group looks beyond typical home loan criteria to provide borrowers with stress-free financial solutions, quickly and easily. As a non-bank, flexible, solutions-based mortgage lender, we prioritise both brokers and end customers in everything we do.

With a commitment to client service that is second to none, VMG is unique in applying common sense and flexible assessment criteria to create valuable solutions for brokers and borrowers. Experienced operators, we manage our own financial portfolio based on sound prudential principles and, as applicable, lend our own money to borrowers who may not meet the traditional lending requirements of the major lenders. Taking this approach has enabled VMG to support countless customers realise their ambition of owning a family home and securing their family’s future.

Why VMG

Unlike other institutions, we offer the distinct advantage of flexibility, uniquely achieved through our ability to lend to borrowers who may not meet the traditional lending requirements of the major lenders. Delivering mortgage industry expertise perfected over many years, VMG clients benefit from our ability to anticipate, understand and resolve any issues encountered during the lending experience.

We get that everybody’s situation is different. Which is why VMG specialises in providing tailored lending solutions for clients who may not fit the criteria of traditional lenders. Whether it’s complex financial circumstances, self- employment, or unique income structures, we embrace a flexible approach to meet your needs.

Flexible Solutions-Based Lender

We get that everybody’s situation is different. Which is why VMG specialises in providing tailored lending solutions for clients who may not fit the criteria of traditional lenders. Whether it’s complex financial circumstances, self- employment, or unique income structures, we embrace a flexible approach to meet your needs.

No Credit Scoring

We focus on understanding your financial situation to offer fair and accessible lending solutions. Unlike traditional lenders, we consider a comprehensive range of factors in our lending decision, ensuring they are tailored to your unique needs.

Quick Turnaround Time

When you’re looking to arrange mortgage financing, we know that time is of the essence. At VMG, we prioritise speed without compromising quality. Our streamlined processes and dedicated team ensure prompt approvals and settlements, helping you achieve your goals faster.

Flexible Cash-Out Refinance Policies

Whether you need funds for personal or business purposes, VMG offers flexible cash-out refinance options. With policies designed to suit diverse needs, we make accessing equity simple and hassle-free. Contact our BDMs for further information.

Frequently Asked Questions

Q: How long has Victorian Mortgage Group been operating?

A: Victorian Mortgage Group (VMG) has been providing mortgage and lending solutions since 1946 — over 80 years of experience in the Australian lending market. VMG has financed more than 30,000 dwellings throughout its history.

Q: Is VMG a bank or a non-bank lender?

A: VMG is a non-bank lender. This means VMG provides home loans and lending solutions without holding a banking licence, which allows greater flexibility in credit assessment and policy compared to major banks. VMG operates under Australian financial services regulations and is committed to responsible lending practices.

Q: Does VMG work directly with borrowers or only through brokers?

A: VMG’s home loan products are available exclusively through accredited mortgage brokers. Borrowers who do not have a broker can contact VMG directly and the team can assist with finding an accredited broker in their area.

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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.