About Us
WE ARE A TEAM OF PROFESSIONAL MORTAGE
BROKERS AND YOU CAN RELY ON US TO HELP YOU
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About Us
Founded in 1992, Victorian Commercial & Home Loan Group is a leading Melbourne-based lending company with over three decades of experience in providing expert financial solutions across a wide range of lending sectors. From residential and commercial to personal, asset, and private lending, we specialize in delivering comprehensive, tailored solutions that meet the diverse needs of our clients.
At the heart of our service is a methodical and client-focused approach to the lending process. Our deep industry knowledge, combined with our large affiliation with a variety of lenders, ensures that each client has access to the best available lending options suited to their unique circumstances.
What distinguishes us from others is our ability to offer the expertise and support typically found in large-scale businesses, while maintaining the personalized care and attention of a small, family-run operation. Over the years, we have honed our skills to explore every possible avenue of lending, giving our clients the confidence that their needs will always be met with professionalism and precision.
Although based in Melbourne, our services extend across Australia, with active lending operations nationwide. While the process for interstate clients may differ slightly, we ensure a seamless experience with regular updates and video chat meetings to keep them well-informed and confident in our approach.
Led by Joseph Yacoub, the founder and owner, who has been immersed in the lending industry since he was 18, Victorian Commercial & Home Loan Group is known for its hands-on approach, integrity, and dedication to securing the best outcomes for clients. Despite our decades of experience, we pride ourselves on staying ahead of the curve by continuously researching the market, offering both digital and traditional approaches to suit the preferences of all clients.
Whether you're seeking to finance a property, business, or personal project, Victorian Commercial & Home Loan Group is your trusted partner, providing the expertise, support, and flexibility you need every step of the way.
With over 30 years of experience in the lending industry, Joseph Yacoub is a trusted professional specializing in residential, commercial, personal, wholesale, and private lending. Since beginning his career at the age of 18, Joseph has gained a deep understanding of the financial landscape, allowing him to help clients navigate complex lending options with ease.
As the owner and operator of Victorian Commercial for more than three decades, Joseph has built a reputation for delivering personalized, reliable, and strategic lending solutions. His goal is simple: to ensure every client enjoys a positive experience and secures the best possible outcome tailored to their unique situation. Whether you are looking to finance a home, a business, or explore alternative lending options, Joseph’s expertise and dedication make him the ideal partner to guide you through the process.
Cameron Conroy Atlas is a highly skilled mortgage broker who is passionate about helping individuals and families achieve their homeownership goals through the right financing solutions. Whether you're a first-time homebuyer, looking to refinance, or seeking a loan for an investment property, Cameron offers expert guidance and strategic support at every stage of the mortgage process.
Renowned for his unwavering commitment to clarity, transparency, and client satisfaction, Cameron takes the time to fully understand each client's unique financial position and long-term aspirations. His deep industry knowledge, combined with a personalized approach, ensures that every client receives tailored, forward-thinking solutions. From navigating complex loan products to securing competitive rates, Cameron collaborates with trusted lenders to provide the most optimal mortgage options, ensuring a seamless, stress-free experience.
Dedicated to delivering exceptional service and unmatched results, Cameron Conroy Atlas is your trusted partner in making informed, confident mortgage decisions that align with your vision for the future.
With 19 years of experience in the home lending industry, Robert Di Lisio has built a reputation for helping clients achieve their homeownership and financial goals with confidence. Whether you're stepping into your first home, looking to build from the ground up, upgrading, or expanding your property portfolio, Robert’s in-depth knowledge and experience ensure you get the best financing options available.
Robert excels at guiding clients through the complexities of refinancing, securing more competitive loan terms, and offering debt consolidation strategies to improve financial flexibility. His comprehensive approach focuses on delivering customized solutions that align with each client's needs and goals.
As a trusted advisor, Robert coordinates every aspect of the loan application and settlement process, always keeping clients informed and ensuring a seamless experience. With a focus on clear communication and exceptional service, Robert is committed to making your lending journey smooth, efficient, and tailored to your financial future.
Why Choose Us
Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.
Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:
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We will be easy to do business with
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You will talk to a real person
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We will get back to you
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We will go the extra mile, every time
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We will listen to what you want
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We will provide home loan options that suit your needs
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We will source competitive interest rates
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We are here to serve you and ensure you will be 100% satisfied with our service.
We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.
You can feel confident that you are in safe hands and we will find the loan that’s right for you.
SUPPORTING FIRST HOME BUYERS
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
INVESTMENT LOANS
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
COMMERCIAL LOANS
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
STANDARD VARIABLE & FIXED RATE LOANS
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
PRIVATE LENDING
Private lending involves loans from individuals or private organizations, offering flexible terms and quicker approval than traditional banks. While interest rates and repayments may be more adaptable, they can also be higher due to increased risk. Borrowers should carefully review the terms, including any fees or penalties for early repayment or switching loans.
BRIDGING LOANS
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
ASSET FINANCE
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Services
We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.
There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.
We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:
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When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
CONTACT INFORMATION
Postal Address: 4/116 Pascoe Vale Road Moonee Ponds VIC 3039
Phone: 1300 761 163
Email: loans@vchlg.com.au
The privacy of your personal information is important to us. By providing your personal information to Victorian Commercial & Home Loan Group, you consent to be contacted by a representative of Victorian Commercial & Home Loan Group from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you. Click <here> to view our full Privacy Policy.
Calculators
Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Victorian Commercial & Home Loan Group before placing your deposit or purchasing any property.
Resources
WE WORK HARD TO MAKE SURE YOU UNDERSTAND WHAT IS GOING ON IN THE FINANCE INDUSTRY.
Our communications ensure that you are kept up to date with useful information that tells you what you need to know. For example, we will let you know the outcome of the monthly Reserve Bank of Australia (RBA) meeting, and what this means for interest rates.
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Let VIC Commercial and Home Loans take the stress away when applying for a loan. They help you from start to finish. This time around Cameron, began the process with options that were possible , crunched numbers - worked out what would work better - looked at interest rates , what would be most beneficial. He provided the net figures of how much we could afford, without leaving anything out. We knew exactly where we stood. The process was easy, he kept me in the loop. Always available to answer all my questions, no matter how silly. Organised conveyancer for us. If you need a home loan, and think it won’t happen - well, Vic Commercial will make it happen! In all our years, whenever we need assistance we turn to Vic Commercial, they have options that help everyone! Always grateful! Thank you
Lis Mars
Cameron has been assisting me with a home loan over the last couple of months. Very helpful and always answers all my questions and there to assist me 100%. A pleasure to have himself and Joe as my financial advisors. I’m 100% happy with their work and would definitely recommend Victorian Commercial Home Loan Group to anyone seeking a loan.
Bree Richards
It was a pleasure to work with Joe and Cam during what can be a tricky process, buying my first home. They are more than happy to take your panicked calls at any hour of the day! Both super helpful and throughly explain anything you might need help understanding. Strongly recommend them!
Lily S
Great people to work with. Cam was extremely helpful in getting me refinanced at a better rate. Thank you 🙏
Silvana Parisi
Always responded to me and called me back making sure all my questions were answered. Always getting the deal done. Fantastic company!
Janai Sheldon
Highly recomend this place , We have been using there service over the last 5 years or more and very efficient and freindly all the time . A big thank you to Joe ,Cam and team for all there service.
Halise & Andrew Sheldon
Great team to work with really helpful. They went out of their way to assist us with lots of different options. Very happy with the result.
Josh Czech
It was great to work with Joe and cam they made the whole experience very easy and stress free.
Daniel Hadlow