
97%
Loan Approval Rate

21
Years of Experience

#20
Top Brokerages in Australia
Rated 5 from 481 Reviews
97%
Loan Approval Rate
21
Years of Experience
#20
Top Brokerages in Australia
Expert advice for any type of home, investment, commercial or SMSF loan.
We deliver streamlined pre-approvals and fast refinances.
Fully licensed & established for over 10 years.
We use tech to build relationships not to replace them.
Access leading rates from 35 major banks and lenders.
Expert service without any fees charged in almost every circumstance.
Finalist
2025 Rate My Agent Top 5 Mortgage Broker VIC - Nicole Campbell
Winner
2024 Mortgage Professional Australia - Top Brokerages #20 in Australia
Winner
2024 Connective Excellence Awards All Round Broker Of The Year - Clinton Waters
Finalist
2024 The Adviser Better Business Awards VIC/TAS - Best Boutique Non-Franchise Office
Winner
2023 Mortgage Professional Australia - Top Brokerages #40 in Australia
Finalist
2023 The Adviser Better Business Awards VIC/TAS - Best Boutique Independent Office
With access to hundreds of Home Loans, we’ll help you find the one that suits your goals, lifestyle, and long-term plans.
Home LoansBuild your property portfolio with expert guidance and access to competitive Investment Loan options
Investment LoansOur team provides expert advice for self-employed clients, ensuring you get a loan that works for you
Self Employed LoansExplore SMSF Loans designed to give you control over your super while building your property portfolio.
SMSF LoansRefinance your home loan to access better rates or reduce repayments with expert guidance every step of the way.
Home Loan RefinanceExplore tailored refinancing options for your investment property
Investment Loan RefinanceBuying your first home? We'll help you navigate the lending process and find the right home loan for your situation.
Buying your first homeWe simplify buying your first investment property, helping you secure competitive rates and flexible lending solutions.
Buying your first investment propertyExplore our full range of financial services, designed to help you achieve your personal and business goals.
Find out moreWe 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.
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.
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.
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.
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.
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.
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.
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
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
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
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.
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!!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.