Mortgage Broker in Ashburton

Expert Mortgage Broker Services in Ashburton, VIC 3147 - Home Loans, Investment Loans & Refinancing Solutions

Rated 5 from 493 Reviews

Your Trusted Mortgage Broker in Ashburton, VIC 3147

Finding the right home loan solution can be overwhelming, especially when navigating the complex landscape of banks and lenders across Australia. That's where AXTON Finance, your dedicated Mortgage Broker in Ashburton, VIC 3147, makes all the difference. Our experienced Finance & Mortgage Brokers understand the local property market and work tirelessly to help you access some of the best interest rates available. Whether you're a first home buyer, upgrader, or down-sizer, our comprehensive approach ensures you receive personalised service that aligns with your unique financial situation and borrowing capacity.

As the premier Mortgage Broker in Ashburton, VIC 3147, AXTON Finance offers access to loan options from banks and lenders across Australia, giving you choice and flexibility that you simply can't get by approaching a single lender. Our streamlined application process takes the stress out of applying for a loan, whether you're buying a home, purchasing an investment property, or refinancing an existing loan. We help assess your debt-to-income ratio, explore options for using a guarantor if needed, and guide you through important considerations like lenders mortgage insurance (LMI), loan to value ratio (LVR), and whether you have sufficient equity or cash deposit for your purchase.

The expertise of our Finance & Mortgage Broker team extends beyond simply finding competitive rates. We help you navigate the complexities of variable interest rate loans versus fixed interest rate loans, explain the differences between interest only loans and principal and interest loans, and ensure you understand all aspects of your loan application. Our Mortgage Broker in Ashburton, VIC 3147 services include comprehensive home loan health checks for existing borrowers, helping you potentially access a better interest rate through refinancing. We also assist with accessing government grants and incentives, particularly valuable for first home buyers looking to maximise their purchasing power.

What sets AXTON Finance apart as your preferred Mortgage Broker in Ashburton, VIC 3147 is our commitment to providing ongoing support throughout the entire application process and beyond. We help you get pre-approved, which strengthens your position when making offers on properties in the competitive local market. Our team works closely with you to determine the optimal loan amount based on your circumstances, negotiate interest rate discounts where possible, and provide guidance on additional costs such as stamp duty. This comprehensive approach ensures you're fully informed and confident in your borrowing decisions.

Choosing the right Mortgage Broker in Ashburton, VIC 3147 is crucial for securing the best possible outcome for your home loan, investment loan, or refinancing needs. AXTON Finance combines local market knowledge with access to a vast network of lenders, ensuring you benefit from competitive rates and loan terms that suit your specific requirements. Our professional team takes pride in making the loan application process as smooth as possible, providing clear communication and expert guidance every step of the way. When you're ready to take the next step in your property journey, trust AXTON Finance to deliver the exceptional service and results you deserve.

How much can you borrow to buy?

AXTON Finance - Best Mortgage Broker in Ashburton

Common Questions About Mortgage Brokers in Ashburton

What services does a Mortgage Broker in Ashburton, VIC 3147 provide?

A professional Mortgage Broker in Ashburton, VIC 3147 like AXTON Finance provides comprehensive loan services including home loans, investment loans, and refinancing solutions. We help assess your financial situation, determine your borrowing capacity, and provide access to loan options from banks and lenders across Australia. Our services include loan pre-approval, guidance on loan to value ratio requirements, assistance with lenders mortgage insurance, and help accessing government grants and incentives. To understand how our specific services can benefit your situation, we encourage you to book a free consultation with AXTON Finance.

How can a Mortgage Broker in Ashburton help me get better interest rates?

As an experienced Mortgage Broker in Ashburton, VIC 3147, AXTON Finance has relationships with multiple lenders, which allows us to help you access some of the best interest rates available in the market. We can negotiate interest rate discounts, compare variable interest rate loans with fixed interest rate loans, and conduct home loan health checks to identify refinancing opportunities. Our knowledge of the local property market and different lender policies means we can match you with the most suitable loan products. For personalised advice on securing competitive rates, book a free consultation with our Finance & Mortgage Brokers.

What's the difference between using a Mortgage Broker in Ashburton versus going directly to a bank?

Working with a Mortgage Broker in Ashburton, VIC 3147 like AXTON Finance gives you access to loan options from multiple banks and lenders across Australia, rather than being limited to one institution's products. Our Finance & Mortgage Broker team provides a streamlined application process, helps assess your debt-to-income ratio, and can guide you through complex decisions about loan types, whether you need a guarantor, and home equity considerations. We also provide ongoing support and can help you get pre-approved more efficiently. To explore the specific advantages for your circumstances, we recommend booking a free consultation.

Can a Mortgage Broker in Ashburton help first home buyers?

Absolutely! As a dedicated Mortgage Broker in Ashburton, VIC 3147, AXTON Finance specialises in helping first home buyers navigate the property market. We help you access government grants and incentives, understand equity and cash deposit requirements, explain lenders mortgage insurance (LMI), and guide you through the entire application process. Our team can help determine your borrowing capacity, explain different loan structures like principal and interest versus interest only loans, and assist with loan pre-approval to strengthen your position when buying a home. First home buyers benefit greatly from our expertise in the local property market and comprehensive lender network.

How long does the loan application process take with a Mortgage Broker in Ashburton?

The loan application timeline can vary depending on your specific circumstances, loan type, and the lender involved. However, working with an experienced Mortgage Broker in Ashburton, VIC 3147 like AXTON Finance typically results in a more streamlined application process. We help prepare your application thoroughly, ensure all documentation is complete, and leverage our relationships with lenders to expedite processing where possible. Factors affecting timing include whether you're applying for a home loan, investment loan, or refinancing, your financial situation complexity, and current market conditions. For a more accurate timeline based on your specific needs, book a free consultation with AXTON Finance.

What costs are involved when using a Mortgage Broker in Ashburton?

Many borrowers are pleasantly surprised to learn that using a professional Mortgage Broker in Ashburton, VIC 3147 often involves no direct cost to them, as Finance & Mortgage Brokers typically receive compensation from lenders. At AXTON Finance, we're transparent about all costs and will explain any fees upfront during your consultation. Beyond brokerage arrangements, we'll also help you understand other loan-related costs such as stamp duty, lenders mortgage insurance if applicable, and any establishment fees. Our goal is to help you potentially access better interest rates and loan terms that can save you money over the life of your loan. To understand the full cost structure for your situation, book a free consultation with our team.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Best Mortgage Broker in Ashburton

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Best Mortgage Broker in Ashburton

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Best Mortgage Broker in Ashburton

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 493 Reviews

I worked with Martin initially, who brings decades of experience and professionalism to mortgage broking, and then his counterpart, Joyce, and I cannot recommend them highly enough. In fact, I am still in awe of the service I received. They were the consumate professionals: friendly, welcoming, inclusive, understanding, and their product knowledge was second to none. Joyce worked on finalsing our mortgage with our lender, and you will not find a better broker in the industry. There was never a problem, you could ask her anything, her work was efficent and of the highest quality, she responed to all of our enquiries within minutes, she returned phone calls in a timely manner, but above all, she made the whole lending process easy and stress free, instilling calmness throughout our loan application and approval. Most people would find the home loan process overwhelming, but Joyce took all that stress and anxiety out of the equatio, and as mentioned, her communication and reassurance during the whole process was impeccable. Thank you Martin and Joyce for all you've done for us, I will recommend you to anyone who needs the a mortgage broker, you guys are guns and are the best in the business. Thank you so much.

paul morrison

2 days ago

Joyce provided great advice and options to consider and pros and cons for each option. Highly recommended

Graham Stewart

This month

Nicole is a pleasure to work with. She’s approachable, very experienced and worked hard to get us the best result possible. We will be using her again for our next property and have already recommended her to family and friends.

Sarah Clasen

This month

Nic was so knowledgeable and helpful throughout the entire process; from the first conversation about what we wanted to do, right through to final settlement. Nic was available, helpful and proactive in making sure everything went smoothly. Highly recommend to anyone looking to refinance or purchase their next home.

Rebecca Brown

This month

I've worked with nicole on our home loans for over 10 years now and she’s always super easy to deal with. she never minds when i throw new ideas or possibilities her way and she’s great at guiding you through every step, keeping everything on track with forms and approvals. she gave us a range of options that fit what we needed and coached us right through the process. the systems they use now are really simple and smooth too.

Brett Melville

This month

Highly knowledgeable and friendly, made the buying process smooth and stress free. Highly recommend!

Anna Jobson

This month

We were extremely amazed with how quickly we secured our pre approvals & final approvals and the entire settlement process was very smooth. David Pelligra and the team at AXTON Finance were with us every step of the way and David always addressed all our queries in a timely & professional manner. David Pelligra and the team at AXTON Finance have provided excellent service to us and we look forward to working with them in future for our property goals. David and the team are highly recommended ! Thank you David & the team at AXTON finance for your excellent services !

Richard D

This month

David Pelligra and the team at AXTON Finance have provided excellent service to us right from the start to finish. Was very impressed with how quickly our pre approval went through and the final approvals secured in a quick turnaround time. David went through the entire process with us every step of the way and was always there to address any queries we had. We thoroughly enjoyed working with David and the team at AXTON Finance on securing finance for our property goals and look forward to working with them in future. Will be more than happy to recommend David and the team to others! Thank you David & the team at AXTON finance for your amazing services !

Caren Braganza

This month

AXTON Finance - Best Mortgage Broker in Ashburton

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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97% Loan Approval Rate

493 Reviews

21 Years of Experience