Private Banking

Private Banking Services in Melbourne and Australia - Expert Finance & Mortgage Broking Solutions

Rated 5 from 479 Reviews

Private Banking Services with AXTON Finance

Private Banking represents the pinnacle of personalised financial services, offering high-net-worth individuals and sophisticated clients access to exclusive banking solutions that go beyond traditional mortgage options. At AXTON Finance, we understand that Private Banking clients require specialised attention and tailored financial strategies that reflect their unique circumstances and investment goals. Our experienced Finance & Mortgage Brokers work closely with Private Banking institutions across Australia to ensure our clients can access some of the best interest rates and premium loan products available in the market. When you choose AXTON Finance for your Private Banking needs, you're partnering with professionals who understand the complexities of high-value transactions and sophisticated lending requirements.

The importance of working with the best Mortgage Broker for Private Banking cannot be overstated, particularly when navigating the intricate landscape of premium financial products and services. Private Banking clients typically have substantial assets, complex income structures, and diverse investment portfolios that require careful consideration during the loan application process. AXTON Finance's expertise in Private Banking enables us to assess your financial situation comprehensively, helping you understand your borrowing capacity whilst exploring Loan options that align with your wealth management strategy. Our team can help you access Loan options from banks and lenders across Australia, including those exclusive Private Banking relationships that aren't available through traditional channels. Whether you're considering buying a home, purchasing an investment property, or refinancing a loan, our Private Banking expertise ensures you receive the attention and service level your financial position deserves.

One of the key advantages of Private Banking through AXTON Finance is our ability to navigate complex lending scenarios that might challenge conventional mortgage applications. Private Banking clients often have unique circumstances such as international income sources, trust structures, or substantial equity positions that require specialised handling. Our Finance & Mortgage Broker team understands how to present these situations to lenders effectively, potentially helping you access better interest rates and more favourable loan terms. We can assist with various loan structures including variable interest rate loans, fixed interest rate loans, interest only loans, and principal and interest loans, depending on your investment strategy and cash flow requirements. Additionally, our knowledge of the local property market across Melbourne and Australia ensures that your Private Banking solutions are informed by current market conditions and opportunities.

The streamlined application process that AXTON Finance provides for Private Banking clients recognises that your time is valuable and your financial affairs require discretion and efficiency. When you apply for a loan through our Private Banking services, we handle the complex documentation requirements and liaise directly with lenders on your behalf, ensuring a smooth and professional experience from initial consultation through to settlement. Our team can help you get pre-approved for substantial loan amounts, providing you with the confidence to act quickly in competitive property markets. We also assist in calculating your loan to value ratio (LVR) and can explore options for reducing lenders mortgage insurance (LMI) costs, whether through larger equity or cash deposits, using a guarantor, or accessing specific Private Banking products that offer more favourable terms.

Choosing AXTON Finance for your Private Banking needs means partnering with a Finance & Mortgage Broking firm that prioritises long-term relationships and ongoing financial success. Our Private Banking services extend beyond simple loan facilitation to include regular home loan health checks, refinancing assessments, and strategic advice on how to optimise your borrowing arrangements as your wealth and circumstances evolve. Whether you're first home buyers transitioning to Private Banking services, upgraders seeking premium properties, or down-sizers looking to restructure your finances, AXTON Finance provides the expertise and personal attention that Private Banking clients deserve. We understand that Private Banking is about more than just accessing capital - it's about creating financial strategies that support your lifestyle and investment goals whilst ensuring you maintain the flexibility and options that sophisticated wealth management requires.

How much could you save by refinancing to a better loan?

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Common Questions About Private Banking Services

What makes Private Banking different from regular banking services?

Private Banking offers a personalised approach to financial services that goes beyond traditional banking products. At AXTON Finance, our Private Banking services provide access to exclusive loan products, dedicated relationship management, and specialised expertise in handling complex financial situations. Private Banking clients typically receive preferential interest rates, flexible loan structures, and access to premium lenders that aren't available through conventional channels. The key difference lies in the level of service, expertise, and the range of sophisticated financial solutions available. To understand how Private Banking could benefit your specific situation, we recommend booking a Free Consultation with our experienced Finance & Mortgage Broker team.

Who qualifies for Private Banking services?

Private Banking services are generally designed for high-net-worth individuals, though qualification criteria can vary between institutions. AXTON Finance works with various Private Banking providers across Australia, each with different minimum asset or income requirements. Your financial situation, including factors such as your borrowing capacity, existing assets, and income sources, will determine which Private Banking options are available to you. Rather than focusing on specific thresholds, we assess your overall financial profile to identify the most suitable Private Banking solutions. Contact AXTON Finance for a Free Consultation to discuss your eligibility and explore which Private Banking services align with your needs.

Can Private Banking help me access better interest rates?

Private Banking clients often have access to preferential pricing and interest rate discounts that aren't available through standard lending channels. AXTON Finance leverages relationships with Private Banking divisions across Australia to help clients potentially access better interest rates and more favourable loan terms. The exact benefits depend on your financial profile, loan amount, and the specific lender's Private Banking criteria. Factors such as your loan to value ratio (LVR), deposit size, and overall relationship with the institution can influence the rates available. To understand what interest rate advantages you might access through Private Banking, we encourage you to book a Free Consultation with our team.

What types of loans are available through Private Banking?

Private Banking encompasses a wide range of sophisticated loan products including home loans, investment loans, commercial facilities, and specialty financing options. AXTON Finance can help you access both variable interest rate loans and fixed interest rate loans through Private Banking channels, as well as interest only loans and principal and interest loans depending on your investment strategy. Private Banking can also facilitate complex transactions such as refinancing existing loans, purchasing investment properties, or funding property development projects. The specific Loan options available depend on your financial circumstances and objectives. Our Finance & Mortgage Brokers can explain the full range of Private Banking loan products during a Free Consultation.

How does the Private Banking application process work?

The Private Banking application process through AXTON Finance is designed to be both comprehensive and efficient, recognising that our clients value discretion and personalised service. Our streamlined application process begins with a detailed assessment of your financial situation, followed by loan pre-approval where appropriate. We handle the complex documentation requirements and coordinate directly with Private Banking lenders on your behalf. The process typically involves more detailed financial analysis than standard home loan applications, as Private Banking considers a broader range of income sources and asset types. To understand the specific steps involved in your Private Banking application and how long the process might take, we recommend scheduling a Free Consultation with AXTON Finance.

Can Private Banking help with investment property purchases?

Private Banking services are particularly well-suited to investment property purchases, offering sophisticated lending solutions that can accommodate complex investment strategies. AXTON Finance works with Private Banking lenders who understand the nuances of investment property financing, including considerations around rental income, capital growth potential, and portfolio diversification. Private Banking can provide access to higher loan amounts, competitive interest rates for investment loans, and flexible structures that might include interest only loan options during the initial investment phase. Whether you're buying your first investment property or expanding an existing portfolio, Private Banking through AXTON Finance can provide tailored solutions. Contact us for a Free Consultation to discuss your investment property goals.

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 - Mortgage Broker at AXTON Finance

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 - Mortgage Broker at AXTON Finance

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 - Mortgage Broker at AXTON Finance

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

Today

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

2 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

4 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

5 days ago

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

5 days ago

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 - 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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