Melbourne’s Best Mortgage Brokers. Tailored Solutions, Trusted Advice

Rated 5 from 481 Reviews

AXTON Finance Melbourne’s Best Mortgage Brokers

97%

Loan Approval Rate

AXTON Finance Melbourne’s Best Mortgage Brokers

21

Years of Experience

AXTON Finance Melbourne’s Best Mortgage Brokers

#20

Top Brokerages in Australia

The Team at AXTON Finance Melbourne’s Best Mortgage Brokers

Melbourne's Best Mortgage Brokers

Tailored Mortgage Advice at AXTON Finance

Tailored Mortgage Advice

Expert advice for any type of home, investment, commercial or SMSF loan.

Fast Approvals at AXTON Finance

Fast Approvals

We deliver streamlined pre-approvals and fast refinances.

Experience That Counts at AXTON Finance

Experience That Counts

Fully licensed & established for over 10 years.

Efficient Personal Service at AXTON Finance

Efficient Personal Service

We use tech to build relationships not to replace them.

35  Major Banks & Lenders at AXTON Finance

35 Major Banks & Lenders

Access leading rates from 35 major banks and lenders.

No Fees for Our Expertise at AXTON Finance

No Fees for Our Expertise

Expert service without any fees charged in almost every circumstance.

Recent Awards

Trusted by thousands, AXTON Finance, a leading mortgage broker, has earned over 27 prestigious awards for excellence in mortgage services.

AXTON Finance - 2025 Rate My Agent Top 5 Mortgage Broker

Finalist

2025 Rate My Agent Top 5 Mortgage Broker VIC - Nicole Campbell

AXTON Finance - 2024 Mortgage Professional Australia - Top Brokerages

Winner

2024 Mortgage Professional Australia - Top Brokerages #20 in Australia

AXTON Finance - 2024 Connective Excellence Awards All Round Broker Of The Year

Winner

2024 Connective Excellence Awards All Round Broker Of The Year - Clinton Waters

AXTON Finance - 2024 The Adviser Better Business Awards VIC/TAS

Finalist

2024 The Adviser Better Business Awards VIC/TAS - Best Boutique Non-Franchise Office

AXTON Finance - 2023 Mortgage Professional Australia - Top Brokerages

Winner

2023 Mortgage Professional Australia - Top Brokerages #40 in Australia

AXTON Finance - 2023 The Adviser Better Business Awards

Finalist

2023 The Adviser Better Business Awards VIC/TAS - Best Boutique Independent Office

Our Expertise

We provide you with mortgage advice tailored to your scenario - not just a product.

Home Loans AXTON Finance

Home Loans

With access to hundreds of Home Loans, we’ll help you find the one that suits your goals, lifestyle, and long-term plans.

Home Loans
Investment Loan AXTON Finance

Investment Loans

Build your property portfolio with expert guidance and access to competitive Investment Loan options

Investment Loans
Self Employed Loans AXTON Finance

Self Employed Loans

Our team provides expert advice for self-employed clients, ensuring you get a loan that works for you

Self Employed Loans
SMSF Loans AXTON Finance

SMSF Loans

Explore SMSF Loans designed to give you control over your super while building your property portfolio.

SMSF Loans
Home Loan Refinance AXTON Finance

Home Loan Refinance

Refinance your home loan to access better rates or reduce repayments with expert guidance every step of the way.

Home Loan Refinance
Investment Loan Refinance AXTON Finance

Investment Loan Refinance

Explore tailored refinancing options for your investment property

Investment Loan Refinance
Buying your first home AXTON Finance

Buying your first home

Buying your first home? We'll help you navigate the lending process and find the right home loan for your situation.

Buying your first home
Buying your first investment property AXTON Finance

Buying your first investment property

We simplify buying your first investment property, helping you secure competitive rates and flexible lending solutions.

Buying your first investment property
Other Services AXTON Finance

Other Services

Explore our full range of financial services, designed to help you achieve your personal and business goals.

Find out more
How much can you borrow with AXTON Finance?

Knowing How Much You Can Comfortably Borrow Is a Vital Step When Planning Your Next Move

Why Choose AXTON Finance?

We aim to provide you with premium, tailored service that sets us apart from the competition. Our experienced team of Melbourne’s best mortgage brokers has unparalleled industry knowledge of all the current lending options, policies, and processes. We develop client relationships – not just a once-off transaction.

Clinton Waters founded AXTON Finance on three core values: trust, communication, and excellence. What does this mean for you? It means you rely on us to talk through your credit options in plain English and deliver a customer service experience far beyond what you’d normally receive from a bank or online lender. With hundreds of five star Google reviews our excellence in mortgage broking speaks for itself.

Why Choose AXTON Finance

Our Lending Process

01


Initial Consultation

The process begins with a free consultation where AXTON Finance's brokers assess your financial situation and understand your goals. This step is crucial for tailoring advice and identifying suitable loan options.

02


Comprehensive Fact-Finding

Brokers gather detailed information about your income, expenses, assets, liabilities, and credit history. This thorough fact-finding ensures that the advice and loan options presented are well-suited to your circumstances.

03


Loan Strategy and Pre-Approval

Based on the gathered information, AXTON Finance develops a tailored loan strategy. They assist in obtaining a pre-approval from lenders, which provides a clearer picture of your borrowing capacity and strengthens your position when making offers on properties.

04


Loan Application and Submission

Once you've selected a suitable loan, AXTON Finance prepares and submits the application on your behalf. They handle the paperwork and liaise with lenders, ensuring that all documentation is complete and accurate to facilitate a smooth approval process.

05


Loan Approval and Settlement

After the lender reviews and approves your application, AXTON Finance coordinates the settlement process. They ensure that all conditions are met and that the loan is settled efficiently, allowing you to proceed with your property purchase or refinancing.

06


Ongoing Support and Review

Even after settlement, AXTON Finance continues to support clients by offering regular reviews of your loan structure. This proactive approach helps ensure that your loan remains competitive and aligned with your financial goals.

Industry Expertise at AXTON Finance

Industry Expertise

Our team has decades of collective experience and is specially trained to champion your approval and help you achieve your long-term financial goals. With our experienced brokers at help, you can be sure that you are getting tailored solutions and qualified advice.

Vast Lender Network at AXTON Finance

Vast Lender Network

We have access to over 35 major bank and non-bank lenders, including the “big four”. We scan through hundreds of mortgage products on your behalf to produce a shortlist suited to you. We provide you with tailored advice and individualised solutions that are aligned to your unique needs and not just the lenders.

Great Deals at AXTON Finance

Great Deals

We put our technologies and relationships to work to source market-leading home and investment loan packages that are individually tailored. With an extensive understanding of current market conditions alongside some of the industry's best-practice processes, we are committed to getting you the best financial outcome possible.

Ongoing Support at AXTON Finance

Ongoing Support

Even after your loan has been settled, we are available to answer all your questions. We’ll also link you to our network of trusted partner services, from accountants and financial planners to buyers advocates, property pre-purchase inspections, and more.

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 - Melbourne’s Best Mortgage Broker

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 - Melbourne’s Best Mortgage Broker

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 - Melbourne’s Best Mortgage Broker

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 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.

Google Reviews

Rated 5 from 481 Reviews

I recently had the pleasure of settling a purchase transaction with Clinton Waters, and the experience was seamless from start to finish. Clinton demonstrated exceptional professionalism, attention to detail, and strong communication throughout the process. He maintained complete transparency, ensured all documentation and client requirements were handled efficiently, and worked proactively to resolve any challenges that arose during the transaction. His collaborative approach made the entire settlement process smooth and timely. Clinton’s industry knowledge and commitment to delivering positive client outcomes truly stand out. I look forward to working with him again on future deals!!

Pranav Karle

Today

I worked with David Pelligra to get my first home. I was working with him for months before he merged with AXTON. He is extremely patient, and felt like more of a mentor and teacher than a just a broker. Extremely empathetic and explained a lot of complicated new concepts to me in layman's terms. Thanks for all your support David.

Louis Moore

3 days ago

Thoroughly professional from start to finish. Being new to the Australian house purchasing process, Nicole continually offered detailed guidance and made the whole process seamless. Highly recommend Axton Finance to others.

Mark Kaiser

5 days ago

We used AXTON Finance to buy our new home. This involved refinancing 2 properties as well as arranging finance the for the new home. There were a lot of moving parts and AXTON Finance did it all, recommended loan strategies to minimise repayments and secured a better loan deal, 2% below what we were paying. For a non money person, I wouldn't have been able to do it on my own and they saved a ton of time, stress and running aeound in the process. Would recommend AXTON Finance and now they are assisting my mother with a downsizing loan strategy.

Ben Howie

This month

Mortgage Broker ROCKSTAR! As a fist time user of the services of a mortgage broker, I found the guidance and the level of insight afforded by Melanie of the highest of quality and our engagements always exceed my expectations.

Mark Cocks

This month

Very happy with the support Melanie gave us, she went up and above for us, we where a hard one as we had credit card debt, it it was a bit stressful, but Melanie did a wonderful job sorting our finances out.

Vicky Glendinning

This month

We recently purchased an investment property and couldn’t be happier with the support we received from Nicole Campbell at AXTON Finance. From the very beginning, Nicole went above and beyond to make the process smooth, stress-free, and transparent. We're so grateful to have found Nicole! Nicole took the time to understand our goals, explained every step clearly, and was always available to answer our million questions. What really stood out was Nicole's proactive communication and genuine care in ensuring we secured the best loan structure and rate for our circumstances. Throughout the whole process, it was clear that Nicole cared about our goals and protecting our interests. Thanks to Nicole, our finance was approved ahead of schedule, and settlement went through without a hitch. We highly recommend Nicole to anyone looking for a dedicated, knowledgeable, and truly client-focused mortgage broker.

Eda Gul

This month

I can’t recommend Joyce highly enough! From our very first conversation, she made the entire mortgage process simple and stress-free. She took the time to understand my situation, explained every option clearly, and went above and beyond to secure a fantastic rate. Communication was always prompt and professional — nothing was ever too much trouble. If you’re looking for a mortgage broker in Melbourne who genuinely cares about getting the best result for you, Joyce is the one to call.

Fraser Neale

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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