Clarity before the biggest decision of your life.
Oney & Co helps Australians understand their financial health and lending options with the same rigour the banks use — delivered plainly, early, and without pressure.
To make financial health as normal, expected and unremarkable as a medical check-up — so Australians arrive at lending decisions prepared, not surprised.
Lending is one of the most consequential financial moments in anyone's life. Yet most people meet it with the least information. Oney exists to flip that.
Nine years inside the banks. Now on your side of the table.
I spent nine years in Business Banking across Australia's Big Four — Westpac, NAB and St.George — writing deals, reading policy, and watching good people navigate a system built to be hard to see into.
The pattern was always the same: capable borrowers arriving late, with partial information, trying to reverse-engineer decisions the bank had already made internally. The answers existed. The visibility didn't.
I left to build the side of the table I wished my customers had. Oney is that table — independent, clear, and designed to give you the view a banker would, before you need it.
Lending doesn't have to be opaque. People don't need to be guided — they need to be informed.
— Dong, FounderThree ways we help.
Most of our work is free. Some of it is paid. All of it is built to leave you with a clearer view of your position — whether you engage us further or not.
Tools & Health Checks
Calculators, stress tests and a full financial health check — the diagnostics we used inside banks, now open and usable by anyone.
Explore tools →Mentoring & Education
Structured sessions that explain how lenders actually think. Learn to read your own position the way an assessor would — before you apply, not after.
Join the list →Selective Advisory
A small number of clients each year, across home and commercial lending. Hands-on, bank-informed, and deliberately capped to protect the quality of the work.
Enquire →Three principles — held without exception.
Clarity over complexity
If a concept can't be explained plainly, it hasn't been understood well enough. We translate lender logic into language a first-home buyer or SME owner can act on.
Proactive, not reactive
Most lending pain is timing pain. We help you see your position twelve months before you need to — so the decision, when it comes, is a choice not a scramble.
Access without friction
Our core tools are free, and stay free. No sign-up walls, no drip funnels, no upselling you into something you don't need.
Know where you stand — before you need to.
The Financial Health Check takes five minutes, costs nothing, and gives you the same lens a Big Four credit assessor would apply to your file today.
Explore Our Tools & Resources
Free tools built for Australians navigating their lending journey