Private Banking

Private Banking Services in Melbourne and Australia - Expert Finance & Mortgage Broking Solutions

Rated 5 from 489 Reviews

Private Banking Services with AXTON Finance

Private Banking represents the pinnacle of personalised financial services, offering high-net-worth individuals and sophisticated clients access to exclusive banking solutions that go beyond traditional mortgage options. At AXTON Finance, we understand that Private Banking clients require specialised attention and tailored financial strategies that reflect their unique circumstances and investment goals. Our experienced Finance & Mortgage Brokers work closely with Private Banking institutions across Australia to ensure our clients can access some of the best interest rates and premium loan products available in the market. When you choose AXTON Finance for your Private Banking needs, you're partnering with professionals who understand the complexities of high-value transactions and sophisticated lending requirements.

The importance of working with the best Mortgage Broker for Private Banking cannot be overstated, particularly when navigating the intricate landscape of premium financial products and services. Private Banking clients typically have substantial assets, complex income structures, and diverse investment portfolios that require careful consideration during the loan application process. AXTON Finance's expertise in Private Banking enables us to assess your financial situation comprehensively, helping you understand your borrowing capacity whilst exploring Loan options that align with your wealth management strategy. Our team can help you access Loan options from banks and lenders across Australia, including those exclusive Private Banking relationships that aren't available through traditional channels. Whether you're considering buying a home, purchasing an investment property, or refinancing a loan, our Private Banking expertise ensures you receive the attention and service level your financial position deserves.

One of the key advantages of Private Banking through AXTON Finance is our ability to navigate complex lending scenarios that might challenge conventional mortgage applications. Private Banking clients often have unique circumstances such as international income sources, trust structures, or substantial equity positions that require specialised handling. Our Finance & Mortgage Broker team understands how to present these situations to lenders effectively, potentially helping you access better interest rates and more favourable loan terms. We can assist with various loan structures including variable interest rate loans, fixed interest rate loans, interest only loans, and principal and interest loans, depending on your investment strategy and cash flow requirements. Additionally, our knowledge of the local property market across Melbourne and Australia ensures that your Private Banking solutions are informed by current market conditions and opportunities.

The streamlined application process that AXTON Finance provides for Private Banking clients recognises that your time is valuable and your financial affairs require discretion and efficiency. When you apply for a loan through our Private Banking services, we handle the complex documentation requirements and liaise directly with lenders on your behalf, ensuring a smooth and professional experience from initial consultation through to settlement. Our team can help you get pre-approved for substantial loan amounts, providing you with the confidence to act quickly in competitive property markets. We also assist in calculating your loan to value ratio (LVR) and can explore options for reducing lenders mortgage insurance (LMI) costs, whether through larger equity or cash deposits, using a guarantor, or accessing specific Private Banking products that offer more favourable terms.

Choosing AXTON Finance for your Private Banking needs means partnering with a Finance & Mortgage Broking firm that prioritises long-term relationships and ongoing financial success. Our Private Banking services extend beyond simple loan facilitation to include regular home loan health checks, refinancing assessments, and strategic advice on how to optimise your borrowing arrangements as your wealth and circumstances evolve. Whether you're first home buyers transitioning to Private Banking services, upgraders seeking premium properties, or down-sizers looking to restructure your finances, AXTON Finance provides the expertise and personal attention that Private Banking clients deserve. We understand that Private Banking is about more than just accessing capital - it's about creating financial strategies that support your lifestyle and investment goals whilst ensuring you maintain the flexibility and options that sophisticated wealth management requires.

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Common Questions About Private Banking Services

What makes Private Banking different from regular banking services?

Private Banking offers a personalised approach to financial services that goes beyond traditional banking products. At AXTON Finance, our Private Banking services provide access to exclusive loan products, dedicated relationship management, and specialised expertise in handling complex financial situations. Private Banking clients typically receive preferential interest rates, flexible loan structures, and access to premium lenders that aren't available through conventional channels. The key difference lies in the level of service, expertise, and the range of sophisticated financial solutions available. To understand how Private Banking could benefit your specific situation, we recommend booking a Free Consultation with our experienced Finance & Mortgage Broker team.

Who qualifies for Private Banking services?

Private Banking services are generally designed for high-net-worth individuals, though qualification criteria can vary between institutions. AXTON Finance works with various Private Banking providers across Australia, each with different minimum asset or income requirements. Your financial situation, including factors such as your borrowing capacity, existing assets, and income sources, will determine which Private Banking options are available to you. Rather than focusing on specific thresholds, we assess your overall financial profile to identify the most suitable Private Banking solutions. Contact AXTON Finance for a Free Consultation to discuss your eligibility and explore which Private Banking services align with your needs.

Can Private Banking help me access better interest rates?

Private Banking clients often have access to preferential pricing and interest rate discounts that aren't available through standard lending channels. AXTON Finance leverages relationships with Private Banking divisions across Australia to help clients potentially access better interest rates and more favourable loan terms. The exact benefits depend on your financial profile, loan amount, and the specific lender's Private Banking criteria. Factors such as your loan to value ratio (LVR), deposit size, and overall relationship with the institution can influence the rates available. To understand what interest rate advantages you might access through Private Banking, we encourage you to book a Free Consultation with our team.

What types of loans are available through Private Banking?

Private Banking encompasses a wide range of sophisticated loan products including home loans, investment loans, commercial facilities, and specialty financing options. AXTON Finance can help you access both variable interest rate loans and fixed interest rate loans through Private Banking channels, as well as interest only loans and principal and interest loans depending on your investment strategy. Private Banking can also facilitate complex transactions such as refinancing existing loans, purchasing investment properties, or funding property development projects. The specific Loan options available depend on your financial circumstances and objectives. Our Finance & Mortgage Brokers can explain the full range of Private Banking loan products during a Free Consultation.

How does the Private Banking application process work?

The Private Banking application process through AXTON Finance is designed to be both comprehensive and efficient, recognising that our clients value discretion and personalised service. Our streamlined application process begins with a detailed assessment of your financial situation, followed by loan pre-approval where appropriate. We handle the complex documentation requirements and coordinate directly with Private Banking lenders on your behalf. The process typically involves more detailed financial analysis than standard home loan applications, as Private Banking considers a broader range of income sources and asset types. To understand the specific steps involved in your Private Banking application and how long the process might take, we recommend scheduling a Free Consultation with AXTON Finance.

Can Private Banking help with investment property purchases?

Private Banking services are particularly well-suited to investment property purchases, offering sophisticated lending solutions that can accommodate complex investment strategies. AXTON Finance works with Private Banking lenders who understand the nuances of investment property financing, including considerations around rental income, capital growth potential, and portfolio diversification. Private Banking can provide access to higher loan amounts, competitive interest rates for investment loans, and flexible structures that might include interest only loan options during the initial investment phase. Whether you're buying your first investment property or expanding an existing portfolio, Private Banking through AXTON Finance can provide tailored solutions. Contact us for a Free Consultation to discuss your investment property goals.

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 489 Reviews

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

3 days ago

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

Anna Jobson

5 days ago

I highly recommend Nicole as a broker. She is personable, efficient, clear and very professional.

RC

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

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

Melanie Faoro is the consummate professional. We presented Melanie with many complex scenarios throughout a long settlement with many moving parts. Her warmth, advice, energy and ability to pivot quickly helped us secure precisely the finance we needed to help us into our dream home. Melanie, we can't thank you enough. Absolute superstar!!!

MC0167

This month

Adam and the team at AXTON were great with assisting me in my journey of being a first home buyer! Made the process clear and always happy to answer any questions, very happy with my experience and keen to continue working with them :)!

giulia maruzza

This month

Thanka to Luke and the team for their role in coordinating the finance for our recent house settlement. Their high level of expertise and professionalism ensured that the process ran smoothly and we felt that we were in safe hands the whole way along. Axton have organised a handful of loans for us over the past 10 years and we keep going back because they are great at what they do and also just good, decent people.

Sam Taylor

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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