Buying your next home

Expert Home Finance & Mortgage Broker Services for Buying Your Next Home in Melbourne and Australia

Rated 5 from 502 Reviews

Your Trusted Partner for Buying Your Next Home

Buying your next home represents one of life's most significant financial decisions, and choosing the right Mortgage Broker can make all the difference to your success. AXTON Finance stands as Australia's premier Home Finance & Mortgage Broker, dedicated to helping Melbourne residents and Australians nationwide navigate the complex property market with confidence. Our experienced team understands that buying a home involves numerous considerations, from calculating borrowing capacity to understanding loan to value ratio requirements, and we're here to simplify every aspect of your home buying journey.

As leading Mortgage Brokers, AXTON Finance provides access to Home Loan options from banks and lenders across Australia, ensuring you can access some of the best interest rates available in today's market. Whether you're considering a variable interest rate or fixed interest rate home loan, our streamlined application process takes the stress out of applying for a home loan. We work closely with you to assess your financial situation, help you understand concepts like lenders mortgage insurance (LMI) and stamp duty obligations, while securing interest rate discounts that can save you thousands over your loan term. Our comprehensive approach means you'll receive expert guidance on calculating home loan repayments and understanding how different Home Loan Rates impact your long-term financial goals.

The application process for buying your next home doesn't need to be overwhelming when you partner with the best Mortgage Broker in the industry. AXTON Finance manages every detail of your Home Loan application, from gathering bank statements to liaising with lenders on your behalf. We help you get pre-approved through our efficient Home Loan pre-approval service, giving you the confidence to make offers in competitive property markets. Our team explains complex concepts like home equity and loan amount calculations in simple terms, ensuring you make informed decisions about your borrowing capacity and loan structure.

Understanding variable home loan rates versus fixed interest rate options is crucial when buying your next home, and AXTON Finance provides clear comparisons to help you choose the right product. We analyse your financial situation to determine the optimal loan to value ratio and explore additional features like offset accounts that can accelerate your mortgage repayment. Our expertise extends beyond securing competitive home loan interest rates to providing strategic advice on timing your purchase and maximising your investment potential in Australia's dynamic property market.

Choosing AXTON Finance as your Home Finance & Mortgage Broker means gaining access to unparalleled expertise in buying your next home. We pride ourselves on delivering personalised service that goes beyond simply processing your application - we become your trusted advisor throughout the entire home buying process. From initial consultation through settlement and beyond, our team remains committed to your success, ensuring you secure the best possible outcome for your unique circumstances and financial goals in the Australian property market.

How much can you borrow to buy?

AXTON Finance - Melbourne's Best Mortgage Brokers

Common Questions About Buying Your Next Home

What interest rates can I access when buying my next home?

Interest rates vary significantly depending on your financial situation, loan amount, and chosen lender. AXTON Finance works with banks and lenders across Australia to help you access some of the best interest rates available, including exclusive interest rate discounts not available to the general public. Both variable interest rates and fixed interest rate options are available, each with distinct advantages depending on your circumstances. We recommend booking a Free Consultation with our expert Mortgage Brokers to discuss current Home Loan Rates and determine which option best suits your needs when buying your next home.

How do I know my borrowing capacity for buying a home?

Your borrowing capacity depends on multiple factors including income, expenses, existing debts, and the loan to value ratio of your intended purchase. AXTON Finance conducts comprehensive assessments using your bank statements and financial documentation to determine your maximum loan amount. We also factor in additional costs like stamp duty and lenders mortgage insurance (LMI) to provide realistic borrowing estimates. Our streamlined application process includes detailed borrowing capacity calculations, and we encourage you to book a Free Consultation to understand exactly how much you can borrow for buying your next home.

Should I choose variable or fixed interest rates?

Both variable home loan rates and fixed interest rate home loans offer unique benefits depending on your financial goals and market conditions. Variable interest rates typically offer more flexibility and potential savings when rates fall, while fixed interest rate home loans provide payment certainty over the fixed term. AXTON Finance analyses current market trends and your personal circumstances to recommend the most suitable option. Many clients benefit from split loans combining both rate types. We suggest booking a Free Consultation with our Home Finance & Mortgage Broker team to explore which approach works best for buying your next home.

What is the application process for buying a home?

The application process for buying your next home involves several key stages, from initial pre-approval through to final settlement. AXTON Finance manages your entire Home Loan application, starting with gathering necessary documentation like bank statements and income verification. We then submit your application to suitable lenders and negotiate on your behalf to secure optimal terms. Our streamlined application process typically includes property valuation, loan approval, and settlement coordination. To understand the complete timeline and requirements for your specific situation, we recommend booking a Free Consultation with our experienced Mortgage Brokers.

How can I get pre-approved for buying my next home?

Home Loan pre-approval gives you confidence and competitive advantage when buying your next home in today's property market. AXTON Finance offers comprehensive pre-approval services that assess your borrowing capacity, verify your financial situation, and provide written confirmation of your loan amount eligibility. Getting pre-approved helps you understand your budget, calculate home loan repayments accurately, and move quickly when you find the right property. Our team handles all documentation and lender negotiations to secure your pre-approval efficiently. Book a Free Consultation with AXTON Finance to start your pre-approval process and gain the advantage you need for buying your next home.

What additional costs should I consider when buying a home?

Buying your next home involves several costs beyond the purchase price, including stamp duty, lenders mortgage insurance (LMI), legal fees, and inspection costs. Stamp duty varies by state and property value, while LMI may apply if your loan to value ratio exceeds 80%. AXTON Finance helps you understand all associated costs and factor them into your borrowing requirements and home equity calculations. We also explain how features like offset accounts can help manage ongoing costs and accelerate loan repayment. For a complete breakdown of costs specific to your situation and location, book a Free Consultation with our Home Finance & Mortgage Broker specialists.

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 - Mortgage Broker at AXTON Finance

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 - Mortgage Broker at AXTON Finance

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 - Mortgage Broker at AXTON Finance

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 502 Reviews

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

Marco Groot

a day ago

Melanie and her team are efficient and professional. The process is simple and smooth.

Bethany Lau

2 days ago

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

2 days ago

Joyce, girl, you’ve been such a pleasure to work with! Thank you for being so communicative with me and partner throughout the home loan application! You never failed to accommodate our needs and wants and even helped us build a wonderful and reliable team which helped secured us our beautiful home. We highly recommend first home buyers reaching out to Joyce for a no BS working relationship!

Wei Wen

5 days ago

David and the team were fantastic — attentive, thorough and communicated well through the entire process. I highly recommend engaging their services

Cameron

This week

This is our third time using Axton Finance, this engagement was supported by Joyce. I can't speak highly enough of her as a broker, proactive and clear communication and really great support. Nothing phased her and she was incredibly flexible as things moved around. Highly recommend Joyce Cheng, a lovely person and a great broker!

Sinead Mooney

This week

Martin Ryan at AXTON is an absolute gem! Martin is down to earth and extremely thoughtful. His professionalism and knowledge of the mortgage broking game is an untapped fountain of wisdom. Highly Recommend!

The Paint Pimp

This week

Nicole assisted in the purchase of my first home. I found her to be very informative, presented multiple options for me to make my own decisions from and answered all of my questions. Anything that came up she was able to deal with to keep my nerves at bay and ensure things went smoothly.

Amy

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

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

502 Reviews

21 Years of Experience