Meet Our Lending Experts

Tapping Into Over 15 Leading Financial Institutions. Our Experts Do The Heavy Lifting.

Josiah Garrett

(ACR 539527)

Head of Mortgage Broking | Cert IV Finance & Mortgage Broking

Starting his career on the  Fraser Coast, QLD. Josiah was introduced to employment through marketing and sales, which laid a foundation of excellent communication, client first approach, and a drive to be the best at what he does. Fast forward through many marketing management roles, Josiah undertook formal education to further himself and initiate a career in mortgage broking and lending.

After moving to the Gold Coast to complete his formal qualification, Josiah approached the directors of a well established financial planning practice with the vision of providing an existing client base an extended range of services, to assist them to better achieve their financial goals and objectives. Josiah’s passion to help clients reach their dreams drives him every day to establish positive relationships with both clients and financial institutions alike.

Away from the office Josiah enjoys indulging in the amazing beaches the Gold Coast has to offer, sampling the wide range of culinary choices, and getting down to CBUS Stadium to support the Gold Coast Titans.

Bartholomew Ryan

(AR 1251842)

Managing Director | Responsible Manager (RM) | Head of Portfolio Management

Having gained experience in various industries across Australia, Bart found a natural affinity for finance and committed himself to build on his workplace experience. Completing  is Bachelor Degree in Commerce (BCom), majoring in Financial Planning at Griffith University and further formal studies in Self-managed Superannuation Funds (Specialist), Bart continues to exceed industry standards and promote the new wave of Financial Planners. Bart is a contributing member of the Association of Financial Advisers (AFA) and the Tax Practitioner Board (TPB). Being the Managing Director of an AFSL, Bart uses his influence to affect positive change within the Financial Planning industry.

As a founding director of OakView Financial, Bart’s goal is to create and sustain the most trusted and transparent financial planning and mortgage broking service in Australia, helping everyday Australians meet their financial and retirement goals..

Tracy Ryan

Executive Secretary | Compliance Auditor

Having worked in a variety of roles across logistics transport, contract mining and finance, Tracy brought a robust wealth of knowledge to OakView Financial, with over 16 years’ experience in business administration, analytics, auditing, and office management.

Often your first point of call and business liaison, Tracy prides herself on attention to detail, and maintaining strong long-term relationships with clients and other professionals alike.

Severiano Zatta

(AR 1259315)

Director | Responsible Manager

Bachelor of Business (BBus), Diploma of Financial Planning (DFP), Practitioner Member of the Association of Financial Advisers (AFA), and currently completing a Master’s degree of Financial Planning (MFinPlan) with Honours from Griffith University, Sevy has completed formal education and tailored his training to accommodate and excel in the financial sector. While gainfully employed in various financial arenas across the world, from Multi-National Companies in London to boutique Financial Planning firms in Australia, Sevy has acquired an essential directorial skill set to uphold the position as Founding Director and Responsible Manager (RM) of OakView Lending Pty Ltd.

Sevy has completed and passed the Financial Adviser Standards and Ethics Authority (FASEA) examination, ensuring that a mutual and consistently high standard of advice is upheld between peers.

I Want To Refinance My Home Loan

Let us do the hard part and bring you the best options.

I Want To Buy My First Home

Applications, settlement and loan structures. Our experts are here to help.

I Want An Investment Home Loan

Investment Property experts working for you.

I Want To Borrow For A Car Loan

Navigating over 16 institutions to bring you the best rate.

I Want A Business Loan

A specific business loan tailored to you.

15+ Partnered Lenders

Preparation Is Key

It pays to get qualified advice when considering a home loan. Speak to our friendly team to get all your pressing questions answered.

Common Questions

Why OakView Lending?

OakView Lending have branched off from our expert financial planning firm OakView Financial. Our experience within the financial advice sector provides us with a holistic understanding of unique needs each client has. OakView Lending is here to save you time on your next loan.

How much should I save for a deposit?

It depends – if you’re a first home buyer, you may qualify for certain government grants or schemes. This may allow you to borrow with as little as 5% of the loan. This is circumstantial and may not always be the case.

In general, you want around 20%, which allows you to avoid lenders’ mortgage insurance. The more you can put down initially, the more affordable your loan will be due to decreased interest costs. However, depending on your financial situation, goals, and the structure of the loan, it may not be the best idea to put all of your liquidity straight into the loan.

Can I pay my loan back quicker than the agreed term?

Depending on whether you have fixed the interest rate or left it variable. If the whole loan is fixed, you won’t be able to pay anything above the agreed amount. However, if your loan or a portion of the loan is variable, you can pay back as much as you like on the variable portion. For this reason, we often suggest locking a portion of the rate in fixed and a portion in a variable rate if you think you might be able to pay back more than required.

Whats the difference between a 'principle and interest' loan and an 'interest only' loan?

'Principle and interest' loans are calculated over a fixed term such as 20 years or 30 years. The calculated amount pays off the interest of the loan while paying down the loan itself. Effectively the loan repayments decrease when the principal is paid down, all things being equal.

'Interest only' loans have slightly different lending criteria. You are only paying the interest without paying any of the principle of the loan. It depends on your situation and goals as to which type of loan will suit you.

What is a mortgage broker?

A mortgage broker is your own personal consultant who acts as a negotiator between you and the banks. 

At OakView Lending, we take the time to understand your situation. We then identify lenders that suit you. Ultimately brokering you a mortgage. 

What kind of loans do you offer?

OakView Lending is able to provide the following types of loans:

  • Refinancing loans
  • First home buyer loans
  • Investment property loans (interest only)
  • Car loans
  • Personal loans
  • Business loans

Talk To An Expert Today!

Talk To An Expert
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Monday - Friday: 9am - 5pm


Level 4, 12-14 Marine Parade, Southport QLD 4215


Disclaimer: OakView Lending Pty Ltd (539302) is an authorised representative of Red Rock Brokers Group Pty Ltd, Australian Credit Licence 405961