Mortgage Broker in Canterbury

Professional Mortgage Broker Services in Canterbury, VIC 3126 - Home Loans, Investment Loans & Refinancing Solutions

Rated 5 from 508 Reviews

Your Trusted Mortgage Broker in Canterbury, VIC 3126

When searching for a reliable Mortgage Broker in Canterbury, VIC 3126, AXTON Finance stands as your trusted partner in navigating the complex world of home financing. Our experienced team understands the unique dynamics of the local property market and works tirelessly to connect you with loan options from banks and lenders across Australia. Whether you're a first home buyer taking your initial steps into property ownership, an upgrader seeking a larger family home, or a down-sizer looking to simplify your lifestyle, we provide personalised mortgage broking services tailored to your specific financial situation and goals.

As the leading Finance & Mortgage Broker serving Canterbury and surrounding areas, AXTON Finance offers comprehensive loan solutions including home loans, investment loans, and refinancing options. Our streamlined application process ensures you can access some of the best interest rates available in the market, whether you're considering a variable interest rate loan or a fixed interest rate loan. We thoroughly assess your borrowing capacity and help you understand crucial factors such as your loan to value ratio (LVR), debt-to-income ratio, and potential lenders mortgage insurance (LMI) requirements, ensuring you make informed decisions about your loan application.

Our Mortgage Broker in Canterbury, VIC 3126 services extend beyond simple loan matching, as we provide strategic guidance on maximising your home equity and securing favourable loan terms. AXTON Finance helps clients get pre-approved for their desired loan amount, negotiate interest rate discounts, and explore various deposit options including using a guarantor or leveraging existing equity. We also assist with understanding additional costs such as stamp duty and help you access government grants and incentives that may be available to your circumstances, particularly beneficial for first home buyers entering the competitive Canterbury property market.

Choosing between interest only loans and principal and interest loans can significantly impact your long-term financial strategy, which is why our expert Finance & Mortgage Brokers take time to explain each option thoroughly. Whether you're buying a home as your primary residence or purchasing an investment property to build your portfolio, we guide you through every step of the application process. Our team regularly conducts home loan health checks for existing clients, ensuring they continue to access competitive rates and loan structures that align with their evolving financial circumstances.

At AXTON Finance, we pride ourselves on being more than just another Mortgage Broker in Canterbury, VIC 3126 - we're your long-term financial partners committed to your success. Our deep understanding of the local market conditions, combined with our extensive network of lenders, positions us to potentially help you access better interest rates and more favourable loan terms. From the initial consultation through to loan settlement and beyond, we're dedicated to making your property financing journey as smooth and stress-free as possible, ensuring you achieve your homeownership and investment goals with confidence.

How much can you borrow to buy?

AXTON Finance - Best Mortgage Broker in Canterbury

Frequently Asked Questions About Our Mortgage Broker Services in Canterbury, VIC 3126

What services does a Mortgage Broker in Canterbury, VIC 3126 provide?

As your local Finance & Mortgage Broker, AXTON Finance offers comprehensive mortgage broking services including home loans for first home buyers, upgraders, and down-sizers, investment loans for property investors, and refinancing solutions for existing borrowers. We help clients access loan options from multiple banks and lenders across Australia, assess borrowing capacity, and navigate the application process from initial consultation through to settlement. Our services also include loan pre-approval, home loan health checks, and ongoing support to ensure you continue accessing competitive rates. To understand how our Mortgage Broker in Canterbury, VIC 3126 services can specifically benefit your situation, we encourage you to book a free consultation with AXTON Finance.

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

AXTON Finance, as an experienced Mortgage Broker in Canterbury, VIC 3126, maintains relationships with numerous lenders across Australia, which allows us to compare rates and negotiate on your behalf. We understand how factors like your loan to value ratio (LVR), debt-to-income ratio, and deposit size affect the interest rates you can access. Our team works to position your application favourably and may help you access interest rate discounts that aren't always available to direct applicants. The specific rates and discounts available will depend on your individual financial situation and current market conditions. Book a free consultation with our Finance & Mortgage Brokers to discover what rates might be accessible for your circumstances.

What is the difference between using equity or cash deposit when applying for a loan?

When working with a Mortgage Broker in Canterbury, VIC 3126, you'll learn that using equity from an existing property versus a cash deposit each have distinct advantages and considerations. Cash deposits provide straightforward ownership without additional property risk, while using home equity allows you to leverage existing property value but may involve higher loan amounts and different lending criteria. Both options can help you avoid or reduce lenders mortgage insurance (LMI) depending on your loan to value ratio. The best approach depends on your specific financial situation, investment strategy, and risk tolerance. AXTON Finance can help you evaluate both options during your consultation to determine which strategy aligns with your goals.

Can a Mortgage Broker in Canterbury help with investment loans and refinancing?

Absolutely! AXTON Finance specialises in both investment loans for clients looking to expand their property portfolio and refinancing solutions for existing borrowers. Our Finance & Mortgage Broker team understands the unique requirements of investment property financing, including interest only loan options and the tax implications of different loan structures. For refinancing, we conduct thorough home loan health checks to potentially help you access better interest rates, improved loan features, or consolidate debt. Whether you're buying an investment property or seeking to refinance existing loans, the specific options available will depend on your financial situation and current market conditions. Contact our Mortgage Broker in Canterbury, VIC 3126 team for a comprehensive assessment of your refinancing or investment loan opportunities.

How does the loan pre-approval process work with a Canterbury Mortgage Broker?

The loan pre-approval process with AXTON Finance begins with a comprehensive assessment of your financial situation, including income, expenses, assets, and credit history. As your Mortgage Broker in Canterbury, VIC 3126, we evaluate your borrowing capacity and identify suitable lenders who are likely to approve your application. We then submit your pre-approval application through our streamlined application process, which typically provides conditional approval subject to property valuation and final documentation. Getting pre-approved helps establish your budget when house hunting and demonstrates to vendors that you're a serious buyer. The pre-approval amount and terms will depend on your individual circumstances and chosen lender criteria. To begin your pre-approval process with our experienced Finance & Mortgage Brokers, book your free consultation today.

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 Canterbury

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 Canterbury

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 Canterbury

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 508 Reviews

I couldn’t recommend David Pelligra highly enough. He’s genuinely the best broker out there and made the entire process from start to finish an absolute breeze. David is incredibly knowledgeable and what I truly appreciated most was how fast he was with communication and getting back to me. If you’re looking for a broker who is efficient, honest, and always on top of things, David's your guy. Thanks again for your help!

Matthew Pozzebon

4 days ago

Worked with David to understand where I stood in the buying process, and three months later I had a place. His YouTube videos helped me learn the basics, but he still explained everything clearly, making the numbers and options easy to understand. Cheers David

Omar Hirey

5 days ago

As first time home buyers, Joyce from Axton made us feel heard from the get-go, engaged with our needs and gave us sensible advice to deliver a really seamless process and the confidence to approach the market knowing we had someone in our corner

Graham Egan

This month

I reached out to Axton Finance after a disappointing experience with a previous broker. As soon as I explained my difficult situation, I was passed onto Nicole, and explained that she would be the best person to guide me through the purchase process. I could not be more grateful for Nicole, she is extremely knowledgeable in her field and communicates complex issues clearly. She will handle any and every curveball you throw her way to find the best solution for your situation. I am looking forward to working with Nicole again on future purchases as I know she is truely in your corner, advocating for your best interests.

Jenna Thomson

This month

Friendly, knowledgeable, every professional! Got amazing service and even better results. Thank you David for being a positive part of a very exciting future. Highly recommended!

Jeff Allen

This month

Nicole worked so hard to make sure we were happy and understood everything before proceeding onto the next steps. We are so happy with our new interest rate that she was able to get for us. We will definitely be using her in the future! ???? …

Samuel

This month

Worked with David, rapid responses and great quality of service. No complaints

Marco Groot

This month

Joyce is an amazing broker and I cannot recommend her highly enough. Joyce is incredibly knowledgeable and really is on your side the whole way though. We got a great result all due to her efforts and I will definitely be back to her if I ever need help again.

Joshua Ellis

This month

AXTON Finance - Best Mortgage Broker in Canterbury

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

508 Reviews

21 Years of Experience