Mortgage Broker in Malvern East

Expert Mortgage Broker Services in Malvern East - AXTON Finance

Rated 5 from 479 Reviews

Professional Mortgage Broker Services in Malvern East, VIC 3145

When you're looking for a reliable Mortgage Broker in Malvern East, VIC 3145, AXTON Finance stands ready to guide you through every step of your home financing journey. Our experienced Finance & Mortgage Brokers understand the unique characteristics of the local property market and work tirelessly to help you access some of the best interest rates available. Whether you're a first home buyer taking your initial steps into property ownership, an upgrader seeking a larger family home, or a down-sizer looking to simplify your living arrangements, our team provides personalised service tailored to your specific financial situation.

As your trusted Mortgage Broker in Malvern East, AXTON Finance offers comprehensive loan solutions that extend far beyond traditional home loans. We specialise in investment loans for those looking at buying an investment property, refinancing services to potentially access a better interest rate, and complex lending scenarios involving lenders mortgage insurance (LMI) or using a guarantor. Our streamlined application process ensures that whether you need a variable interest rate loan, fixed interest rate loan, interest only loan, or principal and interest loan, we can access loan options from banks and lenders across Australia to find the perfect match for your borrowing capacity.

The application process can often feel overwhelming, but our Mortgage Broker in Malvern East team at AXTON Finance simplifies every aspect of applying for a loan. We begin by conducting a thorough assessment of your financial situation, helping you understand your loan to value ratio (LVR) and working to get pre-approved so you can shop with confidence. Our comprehensive approach includes evaluating your home equity, equity or cash deposit position, and we'll assess your Debt-to-Income Ratio to determine the optimal loan amount for your circumstances. This detailed preparation ensures your loan application has the best possible chance of approval.

AXTON Finance goes beyond basic lending services by helping clients navigate the complexities of property purchase costs and government assistance programs. Our Finance & Mortgage Broker team stays current with stamp duty regulations and can help you access Government Grants and Incentives that may be available for your situation. We understand that interest rate discounts and loan pre-approval timing can significantly impact your purchasing power, which is why we maintain strong relationships with multiple lenders to ensure you receive competitive terms that align with your long-term financial goals.

Choosing AXTON Finance as your Mortgage Broker in Malvern East, VIC 3145 means partnering with professionals who prioritise your financial wellbeing above all else. We provide ongoing support through regular home loan health checks, ensuring your current loan continues to serve your needs as market conditions change. Our commitment extends beyond the initial loan settlement, as we believe in building lasting relationships with our clients throughout their property ownership journey, always ready to assist with future refinancing needs or additional property purchases as your circumstances evolve.

How much can you borrow to buy?

AXTON Finance - Best Mortgage Broker in Malvern East

Common Questions About Mortgage Broking Services in Malvern East

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

AXTON Finance leverages relationships with multiple lenders across Australia to help you access some of the best interest rates available in the market. Our Finance & Mortgage Brokers compare loan options from various banks and lenders, negotiating on your behalf to secure competitive terms. We understand the local property market conditions in Malvern East and can position your application strategically to maximise your chances of receiving interest rate discounts. To discover what rates might be available for your specific financial situation, we encourage you to book a free consultation with our team.

What types of loans can a Mortgage Broker in Malvern East assist with?

As experienced Finance & Mortgage Brokers, AXTON Finance can assist with a comprehensive range of loan products including home loans for first home buyers, investment loans for property investors, and refinancing solutions for existing borrowers. We handle both variable interest rate loans and fixed interest rate loans, as well as interest only loans and principal and interest loans. Our services extend to complex scenarios involving lenders mortgage insurance (LMI), using a guarantor, or maximising your home equity. For detailed information about which loan type might suit your circumstances, book a free consultation to discuss your specific needs.

How does the loan application process work with a Mortgage Broker in Malvern East?

AXTON Finance has developed a streamlined application process that begins with understanding your financial situation and borrowing capacity. Our Mortgage Broker in Malvern East team will assess your Debt-to-Income Ratio, evaluate your equity or cash deposit, and determine an appropriate loan amount and loan to value ratio (LVR). We guide you through loan pre-approval, helping you get pre-approved before you start property shopping. Throughout the application process, we liaise directly with lenders on your behalf, managing documentation and communication to ensure smooth progression toward settlement.

Can a Finance & Mortgage Broker help with government grants and stamp duty considerations?

Yes, AXTON Finance stays current with available Government Grants and Incentives that may benefit your property purchase or refinancing situation. Our Finance & Mortgage Broker team understands how stamp duty impacts your overall purchase costs and can factor these expenses into your loan planning. We help you access Government Grants and Incentives where applicable, particularly for first home buyers or those purchasing in specific areas. The eligibility criteria and grant amounts can change frequently, so we recommend booking a free consultation to understand what current opportunities might be available for your circumstances.

What ongoing support does a Mortgage Broker in Malvern East provide after loan settlement?

AXTON Finance believes in building lasting relationships with our clients, which extends well beyond initial loan settlement. Our Mortgage Broker in Malvern East team provides regular home loan health checks to ensure your current loan continues to meet your needs as market conditions and your financial situation evolve. We monitor interest rate movements and may recommend refinancing opportunities to potentially access a better interest rate or improved loan features. Whether you're considering buying an investment property, upgrading your home, or exploring other financial opportunities, our ongoing support ensures you always have expert guidance available.

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 Malvern East

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 Malvern East

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 Malvern East

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 Malvern East

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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