Home Loans
At Luxe Finance Group, we're expert Mortgage Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options
Rated 5 from 37 Reviews
At Luxe Finance Group, we're expert Mortgage Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options
Rated 5 from 37 Reviews
Buying a home is a major milestone in anyone's life, and choosing the right home loan can make all the difference. At Luxe Finance Group, we understand that every client has unique needs, which is why we take a personalised approach to help you find the perfect home loan. Whether you're buying your first home, upgrading to your dream house, or investing in property, our team of experts is here to guide you every step of the way.
Based in Perth, Luxe Finance Group has a reputation for helping clients all across Australia secure their ideal home loans. Our connections with a wide range of lenders mean we can offer you competitive home loan rates and flexible terms that best suit your individual circumstances. We simplify the home loan process, making it stress-free and seamless, so you can focus on what matters most - making your house a home.
Choosing Luxe Finance Group for your home loan needs means you're not just getting a loan; you're getting a partner who cares about your financial well-being. Our commitment to excellence, bespoke service, and expert advice is why our clients trust us to help them with one of the most important decisions of their lives. Let Luxe Finance Group find the home loan that's perfect for you, so you can achieve your dream of homeownership with confidence and ease.
In 60 seconds, understand how much you can borrow to buy your dream home.
Get your Borrowing CapacityHome loans, also known as mortgages, come in various forms, each tailored to different needs and financial situations. Here, we’ll break down some common types of home loans you might encounter.
Owner Occupied Home Loans:
Owner occupied home loans are mortgages specifically designed for individuals who intend to live in the property they’re purchasing. These home loans typically come with more favourable terms and lower interest rates compared to investment property loans, reflecting the lower risk associated with the borrower residing in the property.
Interest Only Home Loans:
Interest only home loans allow borrowers to pay only the interest portion of the home loan for a specified period, typically five to ten years. During this time, the borrower isn’t required to repay the principal amount borrowed. This can result in lower initial repayments but may lead to higher repayments later when the principal repayment period begins.
Principal & Interest Home Loans:
Principal and interest home loans require borrowers to repay both the principal amount borrowed and the interest charged on the home loan. Payments are structured to gradually reduce the loan balance over the loan term, ultimately leading to full repayment by the end of the term.
Variable Rate Home Loans:
Variable rate home loans have interest rates that can fluctuate over the home loan term in response to changes in the market interest rates set by the Reserve Bank or the lender's discretion. This means that repayments may vary, potentially affecting the overall cost of the home loan.
Fixed Rate Home Loans:
Fixed rate home loans offer borrowers the stability of a set interest rate for a predetermined period, typically one to five years. During this time, the interest rate remains constant, providing certainty for budgeting purposes. However, once the fixed term expires, the interest rate may revert to a variable rate, subject to market conditions.
Bridging Loans:
Bridging loans are temporary loans that help borrowers finance the purchase of a new property while they await the sale of their existing property. These loans can cover the shortfall between the purchase price of the new property and the funds available from the sale of the current property. Bridging loans typically have higher interest rates and shorter terms than traditional home loans. Once the existing property is sold, the proceeds are used to repay the bridging loan.
Understanding the different types of home loans available can help borrowers make informed decisions when selecting the most suitable option for their circumstances. It’s essential to carefully consider factors such as interest rates, repayment structures, and potential risks before committing to a mortgage. Consult with the expert mortgage brokers at Luxe Finance Group can also provide valuable guidance in navigating the complexities of home loan options.
Initial Home Loan Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Home Loan Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a home loan.
Home Loan Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your home loan draws-down and you're good to go!
Book AppointmentJG
Jozef Grech
Jay was friendly, efficient and knowledgable. He went the extra mile to ensure my loan was approved in a timely manner. Would 100% recommend!
AS
Ancela Suparno
Jay helped me to find finance options to my construction loan. His professional knowledge is very impressive. I highly recommend him to anyone in need of a mortgage broker with best service.
SB
Shawn Baker
Jay is incredibly knowledgeable, always available to answer my questions, and explains everything in detail. ...
Luxe Finance Group is 100% privately owned, ensuring a personalised and independent approach to your financial needs. We are a credit representative of Connective Credit Services Pty Ltd ABN 51 143 651 496, allowing us the flexibility to focus solely on delivering exceptional service to our clients.
Of course! We believe that we can find the best interest rate for you to refinance your home loan or investment loan.
Of course, we work closely with the more than 30 different banks and lenders. A number of these lenders have specialised expat investment and purchase policies. Reach out to enable us to understand your situation we will be able to structure it to the most suited lender.
We take look at a wide range of loan options available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of loan products and make sure we're always recommending the best home loan, investment loan and other types of loans for our clients.
Yes, Luxe Finance Group we have helped many first home buyers purchase their first home with a bespoke home loan. We provide personalised guidance and tailored solutions making sure you able to properly apply for the relevant state and federal government first home buyer schemes.
Absolutely, Luxe Finance Group is your go-to for both home loans and investment loans. Our expert mortgage brokers are committed to securing the most advantageous loan options for your unique situation.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Absolutely, all Luxe Finance Group mortgage brokers are fully licensed and accredited professionals. Your financial well-being is our top priority, and our team adheres to the highest industry standards.
Mortgage Brokers are there to help you find the right loan options whether it be from the major banks, smaller lenders or other sources. We have a broad range of loan products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Transparency is key at Luxe Finance Group. Our commitment is to provide clear and honest financial guidance throughout the lending process. It’s worth nothing that because the commission is paid by the bank our fees come out of the proceeds that the bank receives from you. These fees/commissions are paid on settlement by the banks and clearly outlined in our initial credit guide.
Certainly, Luxe Finance Group understands the needs of self-employed individuals. We have tailored self employed loan options to assist self-employed borrowers in navigating the complexities of the mortgage process (we actually prefer these).
Luxe Finance Group Pty Ltd ABN: 52660091690. Credit Representative #541795 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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