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Winner
2023 Mortgage Professional Australia - Top Brokerages #40 in Australia
Finalist
2023 The Adviser Better Business Awards VIC/TAS - Best Boutique Independent Office
Finalist
2023 The Adviser Better Business Awards VIC/TAS - New Broker Of The Year - Luke Rowland
Finalist
2023 The Adviser Better Business Awards VIC/TAS - New Broker Of The Year - Adam Piper
Winner
2023 Mortgage Professional Australia Rising Star Award - Luke Rowland
Finalist
2022 The Adviser Better Business Awards VIC/TAS Best Newcomer - Adam Piper
Winner
2022 Mortgage Professional Australia Magazine Top Brokerages (AUS) - Axton Finance #40
Finalist
2022 Connective Excellence Award VIC/TAS Brokerage Of The Year
Winner
2022 Connective Excellence Award VIC/TAS Rising Star - Luke Rowland
Finalist
2022 Connective Excellence Award All Round Broker Of The Year VIC/TAS - Clinton Waters
Finalist
2022 The Adviser Australian Broking Awards - Newcomer Of The Year - Luke Rowland
Winner
2022 Mortgage Professional Australia - Top 25 Rising Star Award - Adam Piper
Winner
2022 Mortgage Professional Australia - Top 25 Rising Star Award - Luke Rowland
Winner
2019 Mortgage Professional Australia Top 100 Brokers - Ranked 46 in Australia - Clinton Waters
Winner
Top 100 MPA Brokers - Ranked 56 in Australia
Winner
Connective Excellence Award VIC/TAS - Mercury Hero - Winner
Winner
Connective Excellence Award VIC
Winner
Platinum Sales Master PLAN Australia
Winner
The Adviser Magazine Finalist for Best Innovator
Winner
PLAN Australia Best Technology Innovation
Winner
Platinum Sales Master PLAN Australia
Winner
PLAN Australia Hall of Fame
Winner
PLAN Victorian Business Of The Year Finalist
Winner
Platinum Sales Master PLAN Australia
Winner
Platinum Sales Master PLAN Australia
Winner
Australian Achievers Awards – Highly Recommended
Winner
Top 50 Elite Business Writers – The Adviser Magazine

Get a Better Private Banking Relationship

For our emerging wealth and high-net-worth individual (HNWI) customers, a more personalised approach to mortgage lending is required including a dedicated manager to help manage your finance and lending structures. Axton Finance will treat your scenario with a holistic view and workshop across a number of short listed lenders. At Axton we build relationships – not transactions.

Achieve your investment goals
Reputable mortgage broker

For our emerging wealth and high-net-worth individual customers

We regularly hear from our clients that their private banking relationship can be a revolving door of bankers that are great for a period of time before they move onto other departments or banks. At Axton we foster relationships with our high net worth clients to match them with the appropriate private banking lender to ensure an appropriate alignment with your needs.

Best of all you never out grow your relationship with Axton – if your situation changes or you need creative solutions across multiple lenders we have the experience and access to a wide range of lenders that first suit your needs and not theirs.

Private Banking Beyond A Bank

Leverage the private banking relationship that we establish for you with a range of complementing solutions.
The team at Axton Finance have cultivated industry leading relationships with a host of trusted professionals to assist you with a range of private and personalised services including:

Insurance
We have an established in-house relationships with leading wealth advice provider. You have worked hard to build your asset base which deserves tailored attention to protect it for today and for the future. Our trusted relationships help you manage all elements required for your financial service as well as your personal circumstances like life insurance, total and permanent disability (TPD) insurance, income protection, trauma insurance, business expense insurance and key-man risk.
Wealth Management
Our in house wealth advice group can work with you to develop a full array of wealth advice solutions. These include strategies around superannuation, direct investments, retirement and transition to retirement strategies. While we attend to your debt structure our planning contacts nurture your asset position to help ensure you are financially well organised to help you achieve and maintain your desired lifestyle.
Tax Services
Buying, selling and developing property inevitably creates tax events requiring efficient structuring. We have extensive experience in working closely with your accountant in facilitating your plans with the right debt arrangements. If required our long standing presence in the market allows us to introduce you to established expertise where required with licensed professionals.
Estate Planning
Estate matters become more complex as your assets and family grow. We consistently encourage our clients to seek our trusted parters professional qualified advice to ensure that your estate is distributed as per your intended aspirations. They will work with you to identify and develop an appropriate strategy which helps ensure your assets are managed as per your wishes.

At Axton Finance, we offer what the banks won't.

Banks
Vs
Axton Finance
Products & solutions aligned with one bank
Access our network of trusted independent professionals
Client must fit the lenders requirements
Clients can evaluate wider market options
Relationships with a staff member
Relationships with the business owners
Wealth thresholds to qualify
We foster long term growth clients
Banks are not obligated to offer you lending solutions that are in your best interest
We are required by legislation to provide solutions in your best interest

Helping property owners in Hawthorn, Camberwell, Malvern, Glen Iris, and beyond for over 10 years.

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 then 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.

Get access to competitive rates
from leading lenders

At Axton Finance we have access to the best rates from all the leading lenders. You no longer have to rely on a DIY internet search from just the  ‘big four’ banks, our licensed brokers have access to over 30 lenders including hundreds of products and niche policies.

We Will always help secure a suitable approval with an ultra competitive rate to boot, no tricks – no dramas – we have the proven track record that you can trust

Select from over 30 different lenders offering hundreds of mortgage products

Frequently Asked Questions

What types of home loans do you offer?

At Axton Finance, we understand that every individual’s financial situation and homeownership goals are unique. That’s why we offer a diverse range of home loan options tailored to meet your specific needs. Our home loan products include:

  • Variable Rate Home Loans: With interest rates that fluctuate based on market conditions, these loans offer flexibility and potential cost savings over the long term.
  • Fixed Rate Home Loans: If you prefer stability and want to lock in a consistent interest rate for a set period, our fixed-rate loans might be the ideal choice for you.
  • First Home Buyer Loans: Designed to assist first-time homebuyers, these loans often come with favourable terms and government incentives to help you get started on the property ladder.
  • Investment Home Loans: If you’re looking to invest in property, our investment home loans provide options to help grow your property portfolio with a tailored structure that meets your cash flow needs.
  • Refinancing Solutions: We also offer refinancing options to help you secure a better interest rate, access equity, or consolidate debt.

Our experienced mortgage brokers will guide you through the available options and assist you in finding the best home loan solution for your circumstances.

What is home loan refinancing, and how can it benefit me?

Refinancing your home loan involves comparing  your existing home or investment loan with what is available in the wider market and if it makes financial sense it is swapped out with a new mortgage agreement typically with a new lender.. This process allows you to take advantage of better interest rates, more favourable loan terms, or access equity in your property to spend on almost anything you like. At Axton Finance, we understand that your financial situation and needs can change over time, and refinancing offers an opportunity to optimise your home loan. Here are some ways refinancing may benefit you:

  • Lower Interest Rates: If market conditions have shifted or your lending capacity and credit score is good, refinancing can lead to lower interest rates and cheaper monthly repayments. You can use the monthly savings and plough them back into the loan to help speed up your debt reduction plans or use the savings for any other of life’s demands.
  • Accessing Equity: If your property has increased in value or you’ve made significant repayments, you may have built up equity. Equity is simply the difference between the value of your property and the amount owing on it. Refinancing allows you to access this equity, which you can use for home improvements, investments, consolidating debts, or other personal or financial needs.
  • Consolidating Debts: If you have other debts with higher-interest rates, such as credit cards, car loans or personal loans, refinancing can be an effective way to consolidate these debts into your home loan. By doing so, you’ll have a single, more manageable repayment at a potentially lower interest rate but this needs to be applied with caution as you don’t want these typically shorter loan terms being paid over a much longer loan term associated with a normal home or investment loan
  • Changing Loan Features: Refinancing enables you to switch to a loan product with features that better suit your current circumstances. For example, you may want to move from a variable rate to a fixed rate, or vice versa, or set up an offset home loan which is a linked savings account that does not pay interest but the balance instead ‘offsets’ the balance of the mortgage loan which in turn can be an effective structure to pay off your home loan sooner.
  • Debt Repayment Strategies: Our mortgage brokers can work with you to develop a personalised debt repayment strategy, which may involve refinancing at strategic intervals to optimise your financial outcomes.

Before proceeding with refinancing, it’s essential to consider potential costs, such as exit fees from your current lender, application fees, legal fees and whether any other short term offers exist such as honeymoon interest rate periods or cashback offers from a shortlisted lender. Our experienced team at Axton Finance will conduct a comprehensive assessment of your financial situation using industry leading tools, guide you through the process, and help you determine if refinancing is the right choice for you.

Can you arrange bridging finance?

Many people table the idea of using bridging finance  but few really understand how its operates or what it effectively achieves. At its simplest it enables a home buyer to purchase a new property before the sale of their existing home. More often than not it is owner occupiers rather than investors who will use this product.

The finance structure basically enables you to borrow up to the full purchase price of the new property plus all stamp duties and closing costs like stamp duity, legals. Generally the lender will give you between six and twelve months to sell your current property and release its equity to enable the current loan to be closed out and use any surplus money left over to reduce the bridging loan on the new property plus any interest fees and charges. Generally the interest on the bridging loan is capitalising (interest is added to the loan). Your responsibility is to only meet the repayments on the existing loan during the bridging time frame. A few important things to consider;

  • You generally need a fairly good amount of equity in your current property to consider the use of bridging finance especially if you new purchase property is likely to be more expensive than your selling property
  • Some lenders require servicing evidence (afforrdability testing) on the end debt position after your current home is sold but other lenders require your servicing evidence to be on the peak debt amount which makes it difficult to secure support with such lenders
  • Interest rates on bridging finance are generally not discounted and are higher for the term you might have bridging for
  • The bridging finance interest calculation only starts when the target purchase property settles so if you can negotiate a long enough settlement you might be able to secure a quick sale on your current property which maye minimise or completely eliminate the time frame you need to be exposed to a bridging loan structure

As you can see there are quite a few variables to bridging finance and not all lenders and policies are created the same so get in contact with us here.

How do I know if I need to refinance my home loan?

Quite simply you need to be sure that that a refinance is going to save you a meaningful amount of money after any potential refinancing costs.

Fortunately we can calculate accurate savings you may be eligible for by comparing hundreds of lending products from over 30 lenders to tailor a lending solution that matches your needs and not just the lender involved.

In a rising rate market more than ever is it important to keep a regular eye on your current interes rate to ensure that it is remaining competitive. You can bet your bottom dollar that your current lender is unlikely going to tell  you that there might be a  heaper rate out there that may be more suitable and thats where our difference comes into play.

As a client of AXTON our systems ensure annual reviews of your structure that ensure your loan remains competitive and we work in the back ground to ensure we needle your current lender to ensure that your interest rate remains as compeitvie as possible.

What does it actually cost to refinance?

Refinancing your home or investment loan is usually not that expensive but you need to be aware of a few things. As a rule of thumb a simple refinance will not cost more that $500-$750 but the upside could be many thousands in saved interest and could slash years off your existing loan.

In recent times many lenders have also been offering cashback rebates on your home loan if you refinance to them which can be several thousand dollars but like with most things there are often catches. The good news is that we can help you evaluate this possible benefits and compare apples with apples.

Basic refinance costs are discharge fees payable to your current lender usually about $300 per mortgage, lender legal fees may or may not be included in this cost but are usually less than $250. Government discharge and mortgage registration fees are payable and differ from state to state but again are less than a few hundred dollars per mortgage security (property). 

One important consideration is if there are break fees payable to paying out a fixed loan early. However generally speaking if your current fixed rate is cheaper than the preailing rates your lender will let you out without charge. If you need to break a fixed loan and the fixed rates have fallen below current fixed rates the you may be up for a pretty expensive cost in many cases. Each lender uses a different calculation and its usually easy to get a quote just by ringining your current provider.

Get In Touch With Us

Stress-free financing is only a click away.

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