To be the most trusted choice for Emergency and Essential Services workers seeking to achieve their homeownership and property investment goals.
We combine expert knowledge, seamless processes, and exceptional service to deliver lending solutions tailored to help each client live more comfortably and securely.
At Triple O Finance, we provide clear, accessible loan solutions designed for peace of mind—always acting in your best interest as your trusted financial partner.
We collaborate with your service providers—whether it’s your real estate agent, conveyancer, or lender—to ensure a smooth purchasing or refinancing process. We take the time to understand your unique circumstances, matching you with finance solutions that best suit your needs.
When you reach out to Triple O Finance, you’ll connect with a real person who’s ready to guide you every step of the way. Our team is committed to providing the support and information you need to make confident financial decisions.
Contact us today to learn more about how we can help you achieve your financial goals.
Director/ Senior Finance Specialist
Ashish (Ash) is the Director and Founder of Oz Credit and Finance, trading as Triple O Finance with Nishant. Ash is highly skilled, multi-faceted & dynamic Director of OZ Credit & Finance Group. Ash is results oriented & solution-driven business entrepreneur in the Financial Services Industry. Ash’s specialisation in Residential Lending, Commercial Lending, Asset Finance and Investment Portfolio creation. Graduated with Graduate Certificate in Management, Bachelors of Justice Studies and Diploma in Mortgage Broking & Finance.
Ash has a strong commitment to educating his clients on the benefits of evidence and research-based investment strategies with the partnership of experts in the industry.
Director/ Finance Broker
Nishant has served the community in various roles within the Criminal Justice System for the last 14 years. Nishant founded Oz Credit and Finance trading as Triple O Finance with Ashish Shrestha, to assist hard-working members of the community to secure finance to achieve their financial goals.
Nishant specialises in Residential and SMSF Lending, Trade and Asset Finance. Nishant is skilled in Management, Leadership, Business Processes, Business Management, Negotiation and Policy, Compliance & Governance.
Finance Broker
Shikha began her professional life in a Corporate Sector working as a Data Analyst for several years. Shikha’s motive to step inside the world of mortgage broking was inspired by her passion for numbers and her commitment to assisting hard-working families to build their property portfolios.
Shikha’s experience in analytics and her knowledge gained from her Bachelor of Commerce brings a new perspective to the way she guides her clients. Shikha has expertise in assisting the ‘First Home Buyers’ and Single parents to get the right solution with a consistently smooth and seamless process.
Shikha works with Accountants, Financial Planners, Real estate Agents, Lawyers, and other professionals, to provide the right solutions according to the client’s individual goals.
Credit Analyst and Clients Relations Associate
Corr has exceptional understanding of lender policies and provides us with invaluable
information to ensure the success of the application.
Corr is our Self-Managed Superfund (SMSF) expert and has settled the most complex of
SMSF applications for our clients.
A leader by nature, Corr takes initiative and accountability on her applications in ensuring no
stone is left unturned in the settlement of the application.
Outside of her professional ferocity, Corr is a loving mother of two wonderful girls and
spends most of her time reading books and taking care of her family members.
Credit Analyst and Clients Relations Manager
Jill has been part of Triple O Finance since its founding days as OZ Credit and Finance, now trading as Triple O Finance.
Jill is a highly experienced Credit Analyst and acts over as Client Relationship Manager.
Jill has overseen the settlements for some of the most complex lending applications within the
Broker Industry.
She is constantly engaging herself in critical lender policy updates and provides our Team
with highly accurate and updated information to ensure the highest success rate for our
client's lending needs.
Apart from her amazing financial acumen, Jill is a proud mother of a teenage boy and a girl.
Jill also loves helping her husband in Zumba training from time to time.
Due to the dangerous and risky nature of the policing role, most Police Officers perform numerous hours of overtime per rostered shift. While most lenders generally accept 80% of the overtime income, we have lenders on our panel who will accept 100% of the police overtime income which provides a well deserved and much needed boost to their application. We have experience and knowledge in identifying what documents are required for lenders to be able to use Police overtime income.
Fringe benefits for Police Officers can include novated leasing to purchase a vehicle, clothing allowances for specialist police and even voluntary super contributions.
While most lenders only accept gross income without taking salary sacrifice tax benefits into consideration, we have lenders on our panel who can consider salary packaging benefits as “tax-free part” meaning they will consider salary packaging as part of your assessable income which again greatly increases your borrowing capacity.
We Support Police Legacy. Please donate to Police Legacy via this link: https://portal.policelegacynsw.org.au/ donations
Are you a part of the Australian Defence Force in either Permanent Forces or Reserve Forces and not sure how your income and allowances are calculated?
Serving your country should not mean you should miss out on opportunities. We have lenders on our panel who we work with closely in assessing your income and allowances (including tax free income for Reservists)
We work closely with the lenders to ensure that all Government Benefits offered to Defence Force Members are assessed and used in your loan application.
