Home loans made simple.

That’s refreshing.

Why use Oxygen?

Oxygen saves you time, gives you choice, and helps you avoid pitfalls when it comes to finance. We work for you, not the banks. And, we go in to bat for you to find and negotiate the most competitive loan.


We get you the fastest pre-approval that's possible. And we always recommend the home loan that's right for you. Whichever bank offers it. Because we work on your behalf not the banks, you get the most competitive rate every time. And we do it fast, at no cost to you – our service is free. That is a really fresh promise in home finance.


You have access to our team of over 35 brokers operating across the entire McGrath network of offices. And we'll come to you to meet and discuss your needs if you prefer. Everything is on your terms and in your time frame. That's the way it should be we believe.


We don't have our own products to push, but we are experts in home loans and negotiating with the banks, so you can always trust us to get the most competitive deal possible on your behalf. As we're part of McGrath you can be assured we think about the long-term, and how your experience might affect our lifetime reputation and relationship in property.

Get to know us

At Oxygen we have a very simple value proposition. Provide our customers with a higher quality of advice, the most competitive loan, and do it hassle free. As a result Oxygen has won MFAA Finance Broker Business - 6+ Loan Writers (NSW) 2017, Best Broker Group 2014, Major Brokerage of the Year 2012, Australian Brokerage of the Year 2011 and is regularly featured in The Adviser's Top 25 Brokerages and MPA's Top 10 Independent Brokerages. Buying property can be stressful. We are serious about making it easy and helping you get a better rate, regardless of whether you purchase a property through McGrath or not.

A simple path to ownership

6 simple steps and we’ll be with you all the way.

We’ll setup a meeting

We’ll go through the available loans with you

We’ll help you with the paperwork

We’ll guide you from start to finish

Then it’s time to sign your loan contract

We’re there for you, whenever you need us

Our lenders

We compare hundreds of loans for you from our network of lenders.


Use our calculators as a quick guide for how much you can borrow, stamp duty and repayments.
$1,240 monthly, for 25 years

Find a broker

To get in touch with a broker, input your suburb, postcode or broker’s name below or contact us on 1300 855 699

Careers with Oxygen

You can have a lot more fun, earn a lot more money and be your own boss with Oxygen Home Loans. All you need to bring is your experience in banking and finance plus an enthusiasm to help people to get a better home loan. To hear more, call Catherine McFarlane at Oxygen on 0419 938 870