Victorian Mortgage Group home loans come from a family-owned, Melbourne-based non-bank lender that has been operating since 1946. Victorian Mortgage Group (VMG) lends only through mortgage brokers and specialises in home loans for borrowers whose circumstances fall outside standard bank criteria, such as self-employed borrowers and those who have been through a significant life event.
This page is a factual profile to help borrowers understand who Victorian Mortgage Group is and where its home loans may fit. However, it is not a recommendation, and it does not rate or rank the lender.
Victorian Mortgage Group at a Glance
| Item | Detail |
|---|---|
| Lender type | Non-bank lender, distributed only through mortgage brokers |
| Owned by | Family owned and operated |
| Founded or established | 1946 |
| Headquarters (city) | Melbourne |
| Listed on the ASX | No |
| Home loans for | Owner-occupiers, investors, self-employed borrowers, borrowers with a more complex credit history, debt consolidation and small business borrowers |
Ownership and History of Victorian Mortgage Group
Victorian Mortgage Group has been providing mortgage and lending solutions since 1946, which makes it one of the longer-established non-bank lenders in Australia. Over its history it has financed more than 30,000 dwellings.
VMG remains a family-owned and operated business based in Melbourne. It does not trade on the ASX, nor is it part of a larger banking group.
The lender works exclusively through accredited mortgage brokers across Australia. It does not use automated credit scoring. Instead, its credit team assesses each application individually.
As a non-bank lender, VMG does not take deposits. In other words, it does not operate as an authorised deposit-taking institution.
Sources for this section include the Victorian Mortgage Group website and Mortgage Professional Australia.
Where Victorian Mortgage Group Home Loans May Suit
VMG describes itself as a life-event specialist. Based on the lender’s own material and independent industry coverage, Victorian Mortgage Group home loans may suit:
- Self-employed borrowers with irregular income who need alternative income verification, in some circumstances and subject to lender criteria.
- Borrowers whose credit history includes defaults or other past events. For example, VMG may consider them under its near prime or specialist products, depending on the circumstances.
- Borrowers who have been through a significant life event, such as a relationship breakdown, illness or a period out of work, and are now re-establishing themselves.
- Borrowers wanting to consolidate several debts, including tax debts, into one home loan, subject to eligibility.
- Small business owners who want a business-purpose loan secured by residential property.
Home Loan Types Victorian Mortgage Group Offers
VMG offers a tiered range of residential products, from prime through to specialist. Verified loan types include:
- Owner-occupied home loans
- Investment property loans
- Home loans for self-employed borrowers with alternative income verification
- Near prime and specialist home loans for borrowers with a more complex credit history
- Debt consolidation home loans
- Small business loans secured by residential property
- Equity release and refinancing
Getting a Victorian Mortgage Group Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Victorian Mortgage Group with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Victorian Mortgage Group with the rest of the panel and then explains where each option fits your situation. We work with clients across the Sutherland Shire from Bangor, NSW, as well as with clients across Australia by phone and video.
In the meantime, to see current Victorian Mortgage Group products, use the lender filter in our comparison tool. Then contact us or book a free chat to talk through your options.
Victorian Mortgage Group Home Loan FAQs
No. Victorian Mortgage Group is a non-bank lender, so it does not hold a banking licence or take deposits.
Victorian Mortgage Group remains a family-owned and operated business based in Melbourne. It has been operating since 1946 and does not trade on the ASX.
No. VMG lends only through accredited mortgage brokers, so Ingram Financial can arrange a VMG home loan for you and compare it with other lenders on our panel.
VMG offers near prime and specialist home loans and says it assesses each application individually rather than by automated credit scoring. As a result, VMG may consider past credit events depending on the circumstances, subject to eligibility and lender criteria.
Ingram Financial has no ownership ties to Victorian Mortgage Group. Victorian Mortgage Group is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.