Best Mortgage Broker in Hawksburn, VIC 3142

Your Trusted Mortgage Broker in Hawksburn, VIC 3142

Finding the right home loan solution in today's competitive market requires expertise, local knowledge, and access to comprehensive lending options. As your dedicated Mortgage Broker in Hawksburn, VIC 3142, AXTON Finance understands the unique challenges and opportunities within the local property market. Our experienced Finance & Mortgage Brokers work tirelessly to help you access some of the best interest rates available, connecting you with loan options from banks and lenders across Australia. Whether you're a first home buyer navigating lenders mortgage insurance (LMI), an upgrader looking to utilise your home equity, or an investor seeking competitive investment loan terms, we provide the personalised guidance you need to make informed financial decisions.

Our comprehensive approach as a leading Mortgage Broker in Hawksburn, VIC 3142 extends far beyond simply matching you with a lender. AXTON Finance conducts thorough assessments of your financial situation, evaluating your borrowing capacity and helping you understand critical factors like loan to value ratio (LVR) and debt-to-income ratios. We guide you through various loan structures, explaining the differences between variable interest rate loans and fixed interest rate loans, as well as principal and interest versus interest only loan options. Our streamlined application process ensures you can get pre-approved efficiently, while our expertise helps you access government grants and incentives that may be available for your specific circumstances, potentially reducing costs like stamp duty for eligible buyers.

The refinancing landscape offers significant opportunities for homeowners to improve their financial position, and as your trusted Finance & Mortgage Broker in Hawksburn, VIC 3142, AXTON Finance specialises in identifying these opportunities. Through comprehensive home loan health checks, we analyse your current loan structure and assess whether you could potentially access a better interest rate or more favourable terms. Our refinancing services help you unlock your home equity for investment purposes, debt consolidation, or home improvements, while ensuring any new loan arrangement aligns with your long-term financial goals. We work with multiple lenders to secure interest rate discounts and negotiate terms that reflect your improved financial position or changes in market conditions.

Whether you're buying a home, purchasing an investment property, or considering down-sizing options, the loan application process can feel overwhelming without professional guidance. As an experienced Mortgage Broker in Hawksburn, VIC 3142, AXTON Finance simplifies this journey by managing the complex paperwork and liaison between you and potential lenders. We help determine the appropriate loan amount based on your circumstances, explore options for using a guarantor if beneficial, and ensure you understand all aspects of your borrowing capacity. Our local market knowledge proves invaluable when structuring loans for investment properties, ensuring you maximise tax benefits while maintaining sustainable cash flow throughout your investment journey.

Choosing AXTON Finance as your Mortgage Broker in Hawksburn, VIC 3142 means partnering with professionals who prioritise your financial success above all else. We understand that every client's situation is unique, whether you require a substantial equity or cash deposit strategy, need assistance navigating complex lending criteria, or want to explore innovative financing solutions. Our ongoing relationship doesn't end at settlement - we provide continued support to ensure your loan remains competitive throughout its life, monitoring market conditions and alerting you to opportunities for improvement. Contact AXTON Finance today to discover how our expertise as Finance & Mortgage Brokers can help you achieve your property and financial goals with confidence and clarity.

How much can you borrow to buy?

AXTON Finance - Best Mortgage Broker in Hawksburn

Common Questions About Mortgage Brokers in Hawksburn

What services does a Mortgage Broker in Hawksburn, VIC 3142 provide?

A Mortgage Broker in Hawksburn, VIC 3142 like AXTON Finance provides comprehensive loan services including home loans, investment loans, and refinancing solutions. We help clients access loan options from banks and lenders across Australia, ensuring you can access some of the best interest rates available. Our services include assessing your borrowing capacity, managing the loan application process, and helping you get pre-approved for suitable loan amounts. We also assist with understanding complex aspects like loan to value ratio (LVR), lenders mortgage insurance (LMI), and various loan structures including variable interest rate loans and fixed interest rate loans. To understand exactly how our services can benefit your specific situation, we encourage you to book a Free Consultation with AXTON Finance.

How can a Finance & Mortgage Broker help with investment property purchases?

As experienced Finance & Mortgage Brokers, AXTON Finance specialises in structuring investment loans that maximise your financial benefits while ensuring sustainable cash flow. We help investors understand the differences between principal and interest loans versus interest only loan options, and how each impacts your tax position and rental yield. Our expertise extends to utilising your home equity effectively, managing multiple properties within your borrowing capacity, and accessing interest rate discounts for investment purposes. We also assess your debt-to-income ratio to ensure your investment strategy remains viable long-term. The investment loan landscape involves many variables specific to your circumstances, so we recommend booking a Free Consultation to explore the best approach for your investment goals.

What's involved in the refinancing process with a Mortgage Broker in Hawksburn, VIC 3142?

Refinancing through AXTON Finance as your Mortgage Broker in Hawksburn, VIC 3142 begins with a comprehensive home loan health check to identify potential savings and improvements. We evaluate your current loan structure against available market options, potentially helping you access a better interest rate or more suitable loan features. The process involves assessing your current financial situation, reviewing your home equity position, and exploring loan options from our extensive lender panel. We manage the streamlined application process, ensuring minimal disruption while potentially securing significant long-term savings. Refinancing decisions depend heavily on your specific circumstances, market conditions, and future goals, making professional guidance essential. Contact AXTON Finance for a Free Consultation to determine if refinancing could benefit your situation.

How do I know if I need lenders mortgage insurance (LMI) and how can a broker help?

Lenders mortgage insurance (LMI) is typically required when your loan amount exceeds 80% of the property's value, though some lenders have different thresholds. As your Finance & Mortgage Broker in Hawksburn, VIC 3142, AXTON Finance can help you understand LMI costs and explore strategies to minimise or avoid these expenses. Options might include using a guarantor, increasing your equity or cash deposit, or finding lenders with more favourable LMI policies. We also help you understand how LMI affects your loan to value ratio (LVR) calculations and overall borrowing capacity. Some situations may warrant paying LMI to enter the market sooner, while others benefit from waiting to build a larger deposit. These decisions require careful analysis of your specific circumstances, so we encourage booking a Free Consultation with AXTON Finance.

What government grants and incentives might be available through a Mortgage Broker in Hawksburn, VIC 3142?

AXTON Finance helps clients navigate various government grants and incentives that may be available for first home buyers, upgraders, and investors in the Hawksburn area. These can include first home buyer grants, stamp duty concessions, and various state-based incentives that change regularly based on government policy and market conditions. We also help you understand how these benefits integrate with your loan structure and whether they affect your borrowing capacity or loan application process. The eligibility criteria for government incentives vary significantly based on factors like income, property value, and intended use. As regulations and available programs change frequently, we strongly recommend booking a Free Consultation with AXTON Finance to understand current opportunities that may apply to your specific situation.

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.

Book your Free Consultation

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

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Book a Free Consultation

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.

Rated 5 from 479 Reviews

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

a day 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

3 days ago

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

5 days ago

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 week

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 week

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

Amazing Mortgage Broker! I was very lucky to have Nicole Campbell on my side. Stayed true to her words and absolutely helpful! No question was ever stupid. Being a FHB I was unaware of certain processes and Nicole being very professional and experienced always assured me every step of the way. I had called a number of other mortgage brokers prior I settled with Nicole and definitely no regrets. Very hold your hand and walk you through the process which is hard to find now-days. Thank you again, Nicole!

Japheth B

This month

Highly recommended . Without sounding cliche, Adam did go above and beyond when refinancing our home loan. There was few bumps along the way, and he had clear communication with us the entire time and always returned calls and emails. I highly recommend Adam to anyone who is looking for a finance broker. Very reliable, thorough and easy to deal with.

Melissa M

This month

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.

Get in Touch

Latest Articles from AXTON Finance

13th October 2025

Five Tips For Downsizing In Melbourne

Discover five practical tips for downsizing in Melbourne. Reduce costs, plan smarter and make your next move financially and emotionally stress-free.

3rd October 2025

How To Finance Your Eco-Friendly Home With A Green Home Loan In Melbourne

Discover how green home loans in Melbourne can cut repayments, lower energy bills and boost property value with eco-friendly upgrades.

30th September 2025

Refinancing In 2025 – How Melbourne Homeowners Can Save Thousands

Refinancing in 2025 could save homeowners thousands. Learn how to cut repayments, access equity and secure better loan terms with help from AXTON Finance.

Mortgage Broker in Hawksburn

Expert Mortgage Broker in Hawksburn, VIC 3142 - AXTON Finance

Your Trusted Mortgage Broker in Hawksburn, VIC 3142

How much can you borrow to buy?

Common Questions About Mortgage Brokers in Hawksburn

What services does a Mortgage Broker in Hawksburn, VIC 3142 provide?

How can a Finance & Mortgage Broker help with investment property purchases?

What's involved in the refinancing process with a Mortgage Broker in Hawksburn, VIC 3142?

How do I know if I need lenders mortgage insurance (LMI) and how can a broker help?

What government grants and incentives might be available through a Mortgage Broker in Hawksburn, VIC 3142?

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.

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Can I use equity in my existing home to buy an investment property?

How much can I borrow for a home loan?

Can I refinance my existing home loan or investment loan to get a better rate?

What deposit do I need for an investment property loan?

What documents do I need to apply for a home or investment loan?

What types of home loans does AXTON Finance offer?

How long does the loan approval process take?

What is an investment property loan and how does it differ from a home loan?

Get in Touch

Latest Articles from AXTON Finance

Five Tips For Downsizing In Melbourne

Discover five practical tips for downsizing in Melbourne. Reduce costs, plan smarter and make your next move financially and emotionally stress-free.

How To Finance Your Eco-Friendly Home With A Green Home Loan In Melbourne

Discover how green home loans in Melbourne can cut repayments, lower energy bills and boost property value with eco-friendly upgrades.

Refinancing In 2025 – How Melbourne Homeowners Can Save Thousands

Refinancing in 2025 could save homeowners thousands. Learn how to cut repayments, access equity and secure better loan terms with help from AXTON Finance.