Mortgage Broker in Brighton

Expert Mortgage Broker Services in Brighton, VIC 3186 - Home Loans, Investment Loans & Refinancing Solutions

Rated 5 from 493 Reviews

Your Trusted Mortgage Broker in Brighton, VIC 3186

When you're looking for a reliable Mortgage Broker in Brighton, VIC 3186, AXTON Finance stands ready to guide you through every step of your property finance journey. Our experienced team understands that securing the right loan can be one of the most significant financial decisions you'll make, whether you're a first home buyer, upgrader, or down-sizer looking to make your next move. As your dedicated Finance & Mortgage Broker, we work tirelessly to access some of the best interest rates available across Australia's lending landscape. Our deep understanding of the local property market in Brighton ensures that we can provide tailored advice that reflects the unique opportunities and challenges in your area.

At AXTON Finance, we pride ourselves on being more than just another Finance & Mortgage Brokers service - we're your strategic partner in achieving your property goals. Our comprehensive approach means we can help you access loan options from banks and lenders across Australia, ensuring you're not limited to just one or two providers. Whether you're considering a variable interest rate loan or a fixed interest rate loan, our team will assess your financial situation thoroughly to determine your borrowing capacity and recommend the most suitable loan options. We understand that every client's circumstances are unique, which is why our Mortgage Broker in Brighton, VIC 3186 service includes personalised consultation to help you get pre-approved and understand exactly what loan amount you can access.

The loan application process can often feel overwhelming, but AXTON Finance has developed a streamlined application process that takes the stress out of applying for a loan. Our Mortgage Broker in Brighton, VIC 3186 team will help you navigate complex considerations such as your loan to value ratio (LVR), potential lenders mortgage insurance (LMI) requirements, and whether you have sufficient equity or cash deposit for your intended purchase. If you're exploring the possibility of using a guarantor to strengthen your application, we'll guide you through this process with clarity and expertise. We also specialise in helping clients potentially access a better interest rate through our extensive network and negotiation skills, often securing interest rate discounts that wouldn't be available if you approached lenders directly.

Whether you're buying a home or buying an investment property, AXTON Finance offers specialised expertise across all loan types including home loans, investment loans, and refinancing existing loans. Our Finance & Mortgage Broker services extend to helping you assess your Debt-to-Income Ratio and explore whether an interest only loan or principal and interest loan structure better suits your financial strategy. For eligible clients, we can help you access Government Grants and Incentives that could significantly impact your purchasing power or reduce your overall costs, including considerations around stamp duty implications. Our team stays current with all available programs to ensure you don't miss out on any opportunities that could benefit your situation.

Choosing the right Mortgage Broker in Brighton, VIC 3186 means partnering with professionals who understand that your home equity represents more than just numbers on a page - it's your financial future. AXTON Finance goes beyond the initial loan settlement by offering ongoing support including regular home loan health checks to ensure your loan continues to serve your best interests as market conditions and your personal circumstances evolve. Our commitment to maintaining long-term relationships with our clients means we're always available to discuss refinancing opportunities that might emerge, helping you adapt your loan structure as your needs change over time. When you're ready to take the next step in your property journey, our Mortgage Broker in Brighton, VIC 3186 team is here to provide the expert guidance and support you deserve.

How much can you borrow to buy?

AXTON Finance - Best Mortgage Broker in Brighton

Common Questions About Mortgage Brokers in Brighton, VIC 3186

What services does a Mortgage Broker in Brighton, VIC 3186 provide?

A Mortgage Broker in Brighton, VIC 3186 like AXTON Finance provides comprehensive loan services including home loans, investment loans, and refinancing solutions. We help you access loan options from banks and lenders across Australia, assess your borrowing capacity, and guide you through the entire application process. Our services also include loan pre-approval assistance, helping you understand your loan to value ratio (LVR), and exploring options like using a guarantor or managing lenders mortgage insurance (LMI). To understand exactly how our Finance & Mortgage Broker services can benefit your specific situation, we recommend booking a Free Consultation with our Brighton team.

How can AXTON Finance help me access better interest rates?

As an experienced Mortgage Broker in Brighton, VIC 3186, AXTON Finance has established relationships with numerous lenders across Australia, which often allows us to access some of the best interest rates and negotiate interest rate discounts on your behalf. We compare both variable interest rate loans and fixed interest rate loans to find options that suit your financial situation and long-term goals. Our understanding of the local property market also helps us present your application in the most favourable light to potential lenders. For personalised advice on how we can potentially help you access a better interest rate for your specific circumstances, please book a Free Consultation with our team.

What's involved in the loan application process with a Brighton mortgage broker?

The application process with AXTON Finance, your trusted Finance & Mortgage Broker, begins with a comprehensive assessment of your financial situation, including evaluating your equity or cash deposit, reviewing your borrowing capacity, and helping you get pre-approved for your desired loan amount. Our streamlined application process is designed to make applying for a loan as straightforward as possible, whether you're a first home buyer, upgrader, or down-sizer. We'll also assess your Debt-to-Income Ratio and help you access Government Grants and Incentives where applicable. To learn more about what the application process would look like for your specific situation, we encourage you to book a Free Consultation with our Mortgage Broker in Brighton, VIC 3186 team.

Can you help with both buying a home and investment property loans?

Absolutely! AXTON Finance provides expert Mortgage Broker in Brighton, VIC 3186 services for both residential home purchases and investment property acquisitions. Whether you're buying a home for yourself or buying an investment property to build your portfolio, we can guide you through the different loan structures available, including principal and interest loans and interest only loans. Our team understands the different lending criteria and strategies that apply to each type of purchase, and we'll help you understand implications like stamp duty and explore the most suitable loan options for your investment goals. For detailed advice tailored to your property purchasing plans, please book a Free Consultation to discuss your requirements.

Do you offer ongoing support after loan settlement?

Yes, AXTON Finance believes in building long-term relationships with our clients beyond the initial loan settlement. As your ongoing Finance & Mortgage Broker, we provide services like regular home loan health checks to ensure your loan continues to meet your needs as circumstances change. We monitor market conditions and will reach out when refinancing opportunities arise that could benefit your situation. Our Mortgage Broker in Brighton, VIC 3186 team remains available to discuss changes in your financial circumstances, help you leverage growing home equity, or explore additional borrowing options as your property portfolio grows. To learn more about our ongoing support services and how they could benefit you, we invite you to book a Free Consultation with our dedicated Brighton 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 Brighton

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 Brighton

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 Brighton

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 Brighton

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