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Mortgage Broker in St Kilda East

Expert Mortgage Broker Services in St Kilda East - AXTON Finance Your Trusted Local Home Loan Specialists

Rated 5 from 494 Reviews

Professional Mortgage Broker in St Kilda East, VIC 3183

When you're looking for a trusted Mortgage Broker in St Kilda East, VIC 3183, AXTON Finance stands ready to transform your property dreams into reality. As experienced Finance & Mortgage Brokers, we understand that navigating the complex world of home loans can feel overwhelming, which is why our dedicated team works tirelessly to simplify the process for residents throughout St Kilda East and surrounding areas. Our comprehensive mortgage broking services give you access to loan options from banks and lenders across Australia, ensuring you're not limited to just one institution's offerings but can explore the full spectrum of available finance solutions.

Our role as your local Mortgage Broker in St Kilda East, VIC 3183 extends far beyond simply connecting you with lenders - we become your personal finance advocate throughout the entire journey. Whether you're first home buyers taking that exciting first step, upgraders seeking a larger family home, or down-sizers looking to reduce your mortgage commitments, AXTON Finance provides tailored solutions that align with your unique financial situation. We help assess your borrowing capacity, guide you through the loan application process, and work to access some of the best interest rates available in today's market. Our deep understanding of the local property market in St Kilda East means we can provide insights that prove invaluable when making one of life's biggest financial decisions.

The complexity of modern lending extends beyond simple interest rate comparisons, and as your preferred Finance & Mortgage Broker in St Kilda East, we navigate these intricacies on your behalf. From understanding loan to value ratio (LVR) requirements to exploring options for reducing or avoiding lenders mortgage insurance (LMI), we ensure you're fully informed about every aspect of your loan. Whether you're working with a substantial equity or cash deposit, or exploring the possibility of using a guarantor to enhance your borrowing position, our streamlined application process makes applying for a loan as straightforward as possible. We also specialise in helping clients get pre-approved, providing you with the confidence and clarity needed when entering the competitive St Kilda East property market.

AXTON Finance recognises that different life stages and investment goals require different loan structures, which is why our Mortgage Broker services in St Kilda East, VIC 3183 encompass the full range of lending solutions. From traditional principal and interest loans to interest only loan options for investors, we help you understand which structure best suits your circumstances. Our expertise spans home loan applications for owner-occupiers, investment loan solutions for those buying an investment property, and comprehensive refinancing services for existing homeowners looking to potentially access a better interest rate or improved loan features. We also conduct regular home loan health checks to ensure your current loan remains competitive and aligned with your evolving needs.

Choosing AXTON Finance as your Mortgage Broker in St Kilda East, VIC 3183 means gaining access to a wealth of knowledge and industry connections that can significantly impact your borrowing experience. We help you assess your debt-to-income ratio, explore opportunities to help you access government grants and incentives, and navigate important considerations like stamp duty implications and interest rate discounts. Whether you're considering a variable interest rate loan for flexibility or a fixed interest rate loan for payment certainty, our team provides clear guidance tailored to your risk tolerance and financial objectives. Our commitment to serving the St Kilda East community means we're always available to discuss how our mortgage broking expertise can help you achieve your property and financial goals through our professional, personalised approach to home loan solutions.

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AXTON Finance - Best Mortgage Broker in St Kilda East

Common Questions About Mortgage Broker Services in St Kilda East

What services does a Mortgage Broker in St Kilda East, VIC 3183 provide?

A professional Mortgage Broker in St Kilda East offers comprehensive loan assistance including home loan applications, investment loan solutions, refinancing existing mortgages, and loan pre-approval services. AXTON Finance provides access to loan options from banks and lenders across Australia, helping assess your borrowing capacity and financial situation to find suitable lending solutions. We also assist with understanding loan to value ratio requirements, accessing government grants and incentives, and navigating the complexities of lenders mortgage insurance. To understand exactly how our services can benefit your specific circumstances, we recommend booking a free consultation with our experienced team.

How can a Finance & Mortgage Broker help me access better interest rates?

As an established Finance & Mortgage Broker in St Kilda East, AXTON Finance maintains relationships with multiple lenders, which often provides access to some of the best interest rates and exclusive interest rate discounts not available to the general public. Our streamlined application process and industry knowledge help present your loan application in the most favourable light, potentially improving your chances of securing competitive rates. We regularly conduct home loan health checks to ensure existing clients continue to potentially access better interest rates as market conditions change. For personalised advice on current rate opportunities, we encourage you to book a free consultation to discuss your specific financial situation.

What's the difference between variable and fixed interest rate loans?

Variable interest rate loans fluctuate with market conditions and Reserve Bank decisions, meaning your repayments can increase or decrease over time, while fixed interest rate loans lock in your interest rate for a specified period, providing payment certainty. As your trusted Mortgage Broker in St Kilda East, VIC 3183, AXTON Finance helps you understand which option suits your risk tolerance and financial planning needs. Some borrowers choose split loans combining both variable and fixed components to balance flexibility with security. The best choice depends on your individual circumstances, current market conditions, and future financial goals, which we can explore during a free consultation.

Can you help first home buyers in St Kilda East access government grants?

Yes, AXTON Finance specialises in helping first home buyers navigate available government grants and incentives, including First Home Owner Grants, stamp duty concessions, and various state and federal schemes designed to assist people entering the property market. As your local Mortgage Broker in St Kilda East, VIC 3183, we stay updated on current government initiatives and eligibility criteria to help you access all available benefits. We also assist with understanding deposit requirements, exploring options for using a guarantor, and structuring your loan to maximise these benefits. Each first home buyer's situation is unique, so we recommend booking a free consultation to discuss which grants and incentives you may be eligible for.

What is lenders mortgage insurance and can it be avoided?

Lenders mortgage insurance (LMI) is typically required when your loan amount exceeds 80% of the property's value, protecting the lender if you default on the loan. As an experienced Finance & Mortgage Broker, AXTON Finance explores various strategies to potentially avoid or reduce LMI, including using home equity from existing properties, increasing your cash deposit, or utilising a guarantor arrangement. Some lenders also offer LMI waivers for certain professions or loan products. The best approach depends on your individual financial situation and available options, which we can thoroughly assess during a free consultation at our St Kilda East mortgage broking practice.

How does the loan application process work with a Mortgage Broker in St Kilda East?

Our streamlined application process begins with assessing your borrowing capacity and understanding your property goals, followed by comparing loan options from multiple lenders to find the most suitable solution. AXTON Finance handles the paperwork, liaisons with lenders, and keeps you informed throughout each stage from initial application to settlement. We can also arrange loan pre-approval to strengthen your position when buying a home or investment property in the competitive St Kilda East market. The exact timeline and requirements vary depending on your circumstances and chosen loan product. To understand how our application process works for your specific situation, we invite you to book a free consultation with our professional mortgage broking 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.

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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

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

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.

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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.

Rated 5 from 494 Reviews

Highly recommend Adam and the team at Axton Finance. Adam gave great advice, is Always accessible and the team delivers great service every time.

kyahn williamson

Today

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

3 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

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

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

494 Reviews

21 Years of Experience

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1300 706 540

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AXTON FINANCE PTY LTD ABN 39 872 010 901 (CREDIT REPRESENTATIVE NO. 471730) IS AUTHORISED UNDER AUSTRALIAN CREDIT LICENCE NO. 389328.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.

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