Mortgage Broker in Kew

Expert Mortgage Broker Services in Kew, VIC 3101 - Home Loans, Investment Loans & Refinancing Solutions

Rated 5 from 479 Reviews

Your Trusted Mortgage Broker in Kew, VIC 3101

Finding the right mortgage solution in today's complex financial landscape requires expertise, local knowledge, and access to a comprehensive range of loan products. As your dedicated Mortgage Broker in Kew, VIC 3101, AXTON Finance understands the unique challenges faced by residents in this prestigious Melbourne suburb when securing finance for their property goals. Whether you're a first home buyer taking your initial step onto the property ladder, an upgrader seeking a larger family home, or a down-sizer looking to capitalise on home equity, our experienced team provides personalised service tailored to your specific financial situation and borrowing capacity.

Navigating the loan application process can be overwhelming, particularly when trying to compare loan options from banks and lenders across Australia whilst understanding complex terms like loan to value ratio (LVR), lenders mortgage insurance (LMI), and debt-to-income ratios. AXTON Finance simplifies this process by offering a streamlined application process that saves you time and reduces stress. Our comprehensive understanding of the local property market in Kew enables us to provide insights that generic online platforms simply cannot match. We work diligently to help you access some of the best interest rates available, whether you're seeking a variable interest rate loan for flexibility or a fixed interest rate loan for payment certainty.

As an established Finance & Mortgage Broker serving Kew residents, AXTON Finance offers an extensive range of services including home loans, investment loans, and refinancing solutions. Our team can help you get pre-approved, ensuring you have the confidence to negotiate effectively in Kew's competitive property market. We understand that every client's needs are different - some may benefit from interest only loans to maximise cash flow, whilst others prefer principal and interest loans to build equity faster. Whether you're buying a home as your primary residence or buying an investment property to build wealth, we can assess your unique circumstances and recommend appropriate loan structures.

The application process doesn't end once your loan is approved. AXTON Finance believes in building long-term relationships with our Kew clients, offering ongoing support including home loan health checks to ensure you continue to access competitive rates and loan features. Market conditions change regularly, and what was once a competitive interest rate may no longer serve your best interests. Through regular reviews, we can help you potentially access a better interest rate through refinancing or negotiate interest rate discounts with your existing lender. Our proactive approach means you're always positioned to take advantage of market opportunities.

Choosing AXTON Finance as your Mortgage Broker in Kew, VIC 3101 means partnering with professionals who genuinely care about your financial success. We can help you access Government Grants and Incentives available to eligible borrowers, advise on optimal equity or cash deposit strategies, and even explore options for using a guarantor if required. Our commitment extends beyond simply securing loan approval - we're dedicated to ensuring you achieve your property and financial goals with confidence. From understanding stamp duty implications to calculating your maximum loan amount, AXTON Finance provides the comprehensive support that makes us the preferred choice for discerning Kew residents seeking expert mortgage broking services.

How much can you borrow to buy?

AXTON Finance - Best Mortgage Broker in Kew

Common Questions About Mortgage Brokers in Kew, VIC 3101

What makes AXTON Finance different from other Finance & Mortgage Brokers in Kew?

AXTON Finance combines extensive industry experience with intimate knowledge of the local property market in Kew, VIC 3101. Our personalised approach means we take time to understand your unique financial situation and long-term goals, rather than simply processing applications. We maintain relationships with a diverse panel of lenders, enabling us to access loan options that may not be available through traditional channels. Our commitment to ongoing client relationships means we provide continuous support well beyond settlement. To discover how our approach can benefit your specific circumstances, we encourage you to book a Free Consultation with our experienced team.

How can a Mortgage Broker in Kew help me access better interest rates?

As professional mortgage brokers, AXTON Finance has established relationships with numerous banks and lenders across Australia, often enabling us to negotiate interest rate discounts that may not be available to individual applicants. We understand current market conditions and can identify lenders offering competitive rates for borrowers with your specific profile and loan requirements. Additionally, our ongoing relationship means we can conduct regular home loan health checks to ensure you continue accessing competitive rates through refinancing opportunities when market conditions change. For personalised advice about accessing better interest rates for your situation, book a Free Consultation to discuss your options.

What loan options are available for first home buyers in Kew through AXTON Finance?

First home buyers in Kew have access to various loan products including both variable interest rate loans and fixed interest rate loans, each offering different advantages depending on your circumstances. AXTON Finance can help you understand eligibility for Government Grants and Incentives, calculate your borrowing capacity, and determine the most suitable loan to value ratio (LVR) for your deposit situation. We can explain options for managing lenders mortgage insurance (LMI) and explore whether using a guarantor might benefit your application. Our streamlined application process is designed to support first home buyers through every step. To understand which loan options best suit your specific needs, book a Free Consultation with AXTON Finance.

Can AXTON Finance help with investment loan applications in Kew?

Absolutely. AXTON Finance has extensive experience helping Kew residents secure investment loans for building wealth through property. Investment loans often have different criteria and features compared to home loans, including options for interest only loan structures to maximise cash flow and tax benefits. We understand how lenders assess investment loan applications and can help structure your application to present your financial situation in the strongest possible light. Our knowledge of the local property market helps identify suitable investment opportunities and appropriate loan structures. For detailed guidance about investment loan options and application strategies, book a Free Consultation to discuss your investment goals.

How does the loan pre-approval process work with a Mortgage Broker in Kew?

Loan pre-approval through AXTON Finance involves a comprehensive assessment of your financial situation, borrowing capacity, and loan requirements to determine your maximum loan amount before you start property shopping. We'll help you gather necessary documentation, complete the loan application accurately, and present your case to suitable lenders. Pre-approval gives you confidence when making offers and demonstrates to vendors that you're a serious buyer with confirmed financing. The process typically involves assessing your debt-to-income ratio, employment stability, and deposit position. To understand the pre-approval process and timeline for your specific situation, book a Free Consultation with our experienced mortgage brokers.

What refinancing options does AXTON Finance offer for Kew residents?

Refinancing through AXTON Finance can help you potentially access better interest rates, access home equity for other purposes, or restructure your loan to better suit changed circumstances. We conduct thorough home loan health checks to identify refinancing opportunities and calculate potential savings after considering costs like stamp duty and discharge fees. Whether you're looking to switch from a variable to fixed interest rate loan, consolidate debts, or access equity for renovations or investment, we can evaluate suitable options. Our understanding of current market conditions ensures we identify genuinely beneficial refinancing opportunities. For a comprehensive refinancing assessment, book a Free Consultation to explore your options.

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 - Best Mortgage Broker in Kew

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 - Best Mortgage Broker in Kew

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 - Best Mortgage Broker in Kew

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 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

AXTON Finance - Best Mortgage Broker in Kew

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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