At Luxe Finance Group, we're expert Finance & Mortgage Brokers helping Business Owners Australia-wide buy property sooner with a range or Home Loan & Investment Loan options
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At Luxe Finance, we understand the unique financial needs of business owners, encompassing a wide range of industries and scales. Whether you run a small local shop, a rapidly growing startup, or a well-established enterprise, our expertise in Finance & Mortgage Brokerage ensures that you receive the most tailored loan options suited to your professional and personal financial circumstances.
Comprehensive Loan Options for Business Owners
Luxe Finance specialises in providing access to a variety of loan options from banks and lenders across Australia. Whether you're looking to secure a business loan to expand your operations, buy a home, or invest in property, we can help you achieve your financial goals with competitive interest rates and favourable terms. Our streamlined application process respects your time, allowing you to focus on running your business while we handle the complexities of securing finance.
Business Loans Tailored to Your Needs
Running a business requires access to capital for growth and operational needs. Luxe Finance offers tailored business loans designed specifically for business owners. We provide access to loan options that can help you expand your business, purchase new equipment, manage cash flow, or renovate your premises. Our understanding of the unique challenges you face ensures that we offer solutions that align with your business objectives and financial capacity.
Home Loans with Exclusive Benefits
Understanding the demands and intricacies of running a business, Luxe Finance offers exclusive benefits such as interest rate discounts and often-negotiated Lenders Mortgage Insurance (LMI) for eligible business owners. These advantages can substantially reduce your upfront costs, making the dream of buying a home more attainable. We collaborate closely with you to understand your financial situation, credit history, and borrowing capacity to offer the most suitable loan options.
Investment Loans for Building Wealth
For business owners interested in expanding their investment property portfolio, we provide expert advice and customised financial solutions. Our services include calculating loan repayments and structuring loans that can adapt to your evolving financial needs. Whether you're purchasing your first investment property or adding to an existing portfolio, we guide you through each step of the process. By keeping you informed about the property market and the benefits of investment loans, Luxe Finance ensures that you make sound decisions to grow your wealth effectively.
Streamlined Application Process
We understand that business owners have demanding schedules, so our streamlined application process is designed to be as efficient and straightforward as possible. We assist you in gathering all necessary documentation, including bank statements and financial records, to ensure that your loan application proceeds smoothly. From the initial consultation to the finalisation of your loan, our goal is to save you time and minimise stress.
Flexible Interest Rate Options
Whether you prefer a variable interest rate or a fixed interest rate, Luxe Finance offers flexible options to suit your financial goals. Our experts will help you understand the benefits and potential risks of each type, ensuring that you select the best loan structure for your unique situation. With our assistance, you can secure competitive loan interest rates that help you manage your finances more effectively.
Expert Guidance Throughout the Application Process
Applying for a loan can be complex, but Luxe Finance is here to simplify it for you. Our team of experienced Finance & Mortgage Brokers will walk you through each step, ensuring you understand the application process and meet all requirements. We help you check eligibility for special lender policies and provide expert advice to maximise your borrowing capacity. Our goal is to make the entire experience as seamless and stress-free as possible, allowing you to concentrate on your business.
Releasing Equity and Loan Consolidation
If you're considering refinancing, Luxe Finance offers valuable advice on releasing equity in your property or consolidating debts. By releasing equity, you can finance further business investments or meet other financial goals, such as upgrading your business premises or expanding operations. Consolidating debts can simplify your financial situation and potentially reduce your overall loan repayments, providing greater financial control and peace of mind.
Why Choose Luxe Finance?
Specialised Expertise: We have extensive experience in catering to the financial needs of business owners.
Exclusive Benefits: Enjoy interest rate discounts and negotiated Lenders Mortgage Insurance (LMI) for eligible clients.
Comprehensive Support: From business loans to home loans and investment loans, we provide tailored solutions to meet your diverse financial needs.
Efficient Process: Our streamlined application process saves you time and reduces hassle.
Professional Guidance: Our team guides you through each step, from application to settlement and beyond.
Your Financial Success Starts Here
At Luxe Finance, your success is our priority. We are dedicated to helping you achieve your financial goals with confidence and ease. Our comprehensive, personalised approach ensures that you receive the best financial solutions tailored to your unique situation. Whether you need a business loan, home loan, or investment loan, we are here to support you.
Your Successful Financial Future Begins with Luxe Finance
Choosing Luxe Finance means partnering with a company that understands the intricacies of running a business and its financial demands. We are committed to providing seamless and effective financial solutions that support your professional and personal growth. By leveraging our extensive network of banks and lenders, we provide you with exclusive benefits and competitive loan options.
For more information on how Luxe Finance can assist you with business loans, home loans, and investment loans, contact our expert team today. Let us help you unlock the best financial opportunities tailored specifically for business owners, ensuring a secure and prosperous future. Trust Luxe Finance to be your dedicated partner in financial success.
1. Booking Your Strategy Session
Your loan journey begins with a scheduled appointment—either in person at our West Perth office, via video, or over the phone. During this stage, we confirm your goals and timelines, whether you're purchasing, refinancing, or investing, and outline what to expect in the process ahead. You’ll receive a welcome email containing a digital fact find and a tailored document checklist. To ensure an efficient consultation, we ask that you prepare supporting documents including identification, proof of income, and details of any liabilities.
Outcome: Create a relationship with a professional that sits on your side of every transaction.
2. Financial Review & Strategy Consultation
Before the consultation, we undertake a preliminary review of your financial position, including income, assets, liabilities, credit history, and your ongoing expenses. This allows us to tailor the discussion and present relevant options from the outset. In your consultation, we explore your financial and lifestyle goals, property strategy, and any applicable structures such as trusts or companies. We also assess your eligibility for relevant government incentives like the First Home Guarantee or stamp duty concessions. Based on your banking conduct and preferences, we assess your borrowing capacity across our panel of lenders and outline strategic loan structuring options that suit your objectives.
Outcome: A clear understanding of your financial position and an aligned loan strategy with relevant lenders shortlisted.
3. Lender Policy Analysis & Pricing Strategy
With your financial position and goals clarified, we conduct a targeted analysis of lending policies, ensuring shortlisted options align with your needs. We assess more than just interest rates—we consider policy fit, speed of assessment, and the lender's risk appetite. We also explore your eligibility for government schemes, request discretionary pricing where applicable, and assess structural elements such as fixed vs variable rates or offset accounts. This stage ensures we present a tailored shortlist of lending options with clearly outlined pros and cons.
Outcome: Transparent shortlist of suitable and competitive options, enabling informed lender selection.
4. Confirming Lender Selection
Once pricing, policy, and structure have been finalised, we present a clear recommendation for the most appropriate lender and product. This includes confirming the fixed and variable interest mix, identifying features such as redraw or offset facilities, and exploring any cashback offers or ongoing fee waivers. At this stage, we’ll also determine whether your application proceeds as a pre-approval (for property search) or formal approval (if a contract is already in place).
Outcome: Lender confirmed and loan documentation prepared.
5. Lodgement & Tracking
We manage your application from submission through to decision, ensuring accuracy and speed throughout. This includes compiling all required documentation and submitting the application via lender platforms. You’ll receive real-time updates via email, SMS, or phone, and we’ll proactively engage with credit assessors, escalate where necessary, and manage any information requests to avoid delays.
Outcome: Application lodged and professionally managed through to decision.
6. Pre-Approval or Formal Approval
At this stage, your application is assessed and conditionally or formally approved. If you’re still property hunting, a pre-approval provides a 90-day conditional lending limit, allowing you to negotiate confidently and act quickly when the right opportunity arises. If you’ve already secured a property, formal approval will be issued once all conditions—including a satisfactory valuation and compliance checks—are met. This approval unlocks the final steps toward property ownership.
Outcome: You’re formally equipped to secure your property or finalise your purchase with full lender support.
7. Settlement & Ongoing Support
We work closely with your solicitor or conveyancer and your lender to ensure settlement proceeds smoothly. This includes coordinating document signing, verifying disbursement instructions, and managing final loan conditions. Post-settlement, we assist you in setting up access to your loan account, offset arrangements, and repayment schedules to ensure everything is in order.
Outcome: Settlement complete—your new property or structure is now funded and fully operational.
8. Post-Settlement Check-In & Loan Strategy Review
Our commitment doesn’t end at settlement. Luxe Finance provides ongoing guidance, with check-ins at 6 and 12 months to review your loan’s performance and ensure it remains competitive. We offer annual repricing services, refinancing alerts when suitable, and structured discussions for future borrowing strategies. Whether you're planning renovations, expanding your portfolio, or simply monitoring market trends, we remain your trusted lending partner.
Outcome: You stay ahead of market movements with a strategy that evolves alongside your financial goals.
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William Bracewell
We recently worked with Luxe Finance, and I cannot recommend them highly enough. A special thank you to Linh, who went absolutely above and beyond for us. Their professionalism, clear communication, and persistence made a real difference—especially when last-minute changes came up. They handled everything seamlessly and helped us get the loan across the line without a hitch. If you’re looking for a property broker who genuinely cares and will work tirelessly to get the best result, Luxe Finance is the one.
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kree maclennan
Working with Jay and his team was an absolute pleasure. It was a seamless process and we were really happy with the outcome.
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Sam Khankhalili
Jay was absolutely phenomenal in assisting me with my bank loan. His knowledge and experience about the market made the process straightforward, and the systems he had in place kept everything running smoothly. If you’re looking for financial guidance and support in securing a bank loan, Jay is the person to go to.
Yes, self-employed borrowers can obtain a home loans, though the application process requires additional documentation and careful preparation. Traditional lenders typically require two years of tax returns, financial statements, and accountant-prepared documentation to assess your income stability. Some lenders offer low-doc or alt-doc products that require less documentation but usually come with higher interest rates and lower loan-to-value ratios. At Luxe Finance Group, we work with numerous lenders who have varying appetites for self-employed borrowers, including specialist non-bank lenders who may consider your application based on bank statements or business activity statements. We help structure your application to present your income in the most favourable light and identify lenders most likely to approve your circumstances, potentially saving you time and multiple credit enquiries.
Beyond your deposit, several additional costs apply when purchasing property in Western Australia. Stamp duty is calculated on a sliding scale based on property value - for a $500,000 property, expect approximately $17,765 (though first-home buyers may receive concessions). Legal or conveyancing fees typically range from $1,200-$2,500 depending on complexity. Building and pest inspections cost around $400-$800 combined. Loan application fees vary by lender from $0-$600. If paying less than 20% deposit, lenders mortgage insurance can range from $2,000-$20,000 depending on loan amount and deposit size. Other costs include mortgage registration fees ($185), title search fees ($40), and moving expenses. You should budget approximately 3-5% of the purchase price for these additional costs. Luxe Finance Group provides detailed cost estimates during the pre-approval process to help you budget accurately.
At Luxe Finance Group, our mortgage broking services are typically provided at no direct cost to you as the borrower. We receive our remuneration through commissions paid by the lenders when your loan settles successfully. This upfront commission is usually between 0.55% and 0.70% of your loan amount, followed by a smaller ongoing commission throughout the life of your loan. This payment structure means we can provide our expertise and guidance without you paying broker fees upfront. However, there may be instances where we offer fee-for-service arrangements for complex scenarios or when working with certain lender types. We'll always discuss our fee structure transparently before commencing work on your application.
The mortgage approval timeframe can vary significantly depending on several factors including lender choice, loan complexity, and documentation completeness. Generally, pre-approval can be obtained within 3-7 business days for straightforward applications with major lenders. Full approval and settlement typically takes 4-6 weeks from application submission, though this can extend to 8-10 weeks during busy periods or for more complex scenarios. Self-employed borrowers, investment loans, or construction loans may require additional time for assessment. At Luxe Finance Group, we work to expedite this process by ensuring all documentation is complete and accurate before submission, maintaining regular contact with lenders, and providing updates throughout the process. We also help manage settlement timelines to align with your property purchase contracts.
Luxe Finance Group provides comprehensive mortgage broking and finance services throughout Perth and Western Australia. Our services include home loan assistance for first-time buyers, investment property financing, commercial lending solutions, and refinancing options for existing mortgages. We work with over 30 lenders across Australia to source suitable loan products tailored to your specific circumstances. Our team also assists with pre-approvals, construction loans, self-managed super fund lending, and asset finance for vehicles and equipment. We pride ourselves on delivering personalised service and maintaining ongoing relationships with our clients throughout their property and investment journey.
Documentation requirements vary based on your employment type and loan complexity. PAYG employees typically need recent payslips (usually last 4), tax returns or notice of assessments for 1-2 years, bank statements for 3-6 months, and employment confirmation. Self-employed applicants require tax returns for 2 years, profit and loss statements, balance sheets, and business bank statements. All applicants need identification (driver's licence and passport/birth certificate), proof of deposit savings, details of existing debts and assets, and council rates notices for any properties owned. If receiving rental income, provide lease agreements and rental statements. For purchases, you'll need the contract of sale and any building reports. Luxe Finance Group provides a comprehensive checklist tailored to your specific situation and lender requirements. We review all documentation before submission to ensure accuracy and completeness, reducing the likelihood of delays or additional requests from lenders.
Refinancing involves replacing your existing home loan with a new loan, either with your current lender or a different institution. This process can help you secure lower interest rates, access additional features, consolidate debts, or release equity for other purposes. You should consider refinancing when interest rates drop significantly below your current rate, when your circumstances change, or when your current loan lacks features you now require. The refinancing process involves application, valuation, approval, and settlement, typically taking 4-6 weeks. Consider the costs involved, including discharge fees from your current lender (usually $150-$400), application fees for the new loan, and potential valuation costs. At Luxe Finance Group, we regularly review our clients' loans and market conditions to identify refinancing opportunities. We calculate whether the potential savings justify the switching costs and handle the entire refinancing process on your behalf.
The deposit requirement varies depending on your circumstances and the loan product you choose. Traditional lending requires a 20% deposit to avoid lenders mortgage insurance (LMI), so for a $500,000 property, you'd need $100,000 plus additional costs for stamp duty, legal fees, and inspections. However, many lenders accept lower deposits of 5-10% with LMI, which is an insurance premium protecting the lender. First-time buyers may access the First Home Guarantee Scheme, allowing purchases with just 5% deposit without LMI for eligible properties. Some lenders offer family guarantee products where relatives use their property equity to reduce or eliminate deposit requirements. At Luxe Finance Group, we assess your situation to identify the most suitable deposit strategy and explore all available options to help you enter the property market sooner.
The decision between fixed and variable interest rates depends on your personal circumstances, risk tolerance, and market outlook. Variable rates offer flexibility to make extra repayments and access features like offset accounts, and they may decrease if the Reserve Bank of Australia cuts the cash rate. However, they can also increase, affecting your repayment amounts. Fixed rates provide certainty and budget stability for the fixed period, typically 1-5 years, protecting you from rate rises during that time. Some borrowers choose a split loan, fixing a portion while keeping some variable. Given the current economic environment and recent interest rate movements, it's important to consider your financial buffer and long-term plans. Luxe Finance Group can analyse your situation and discuss the pros and cons of each option based on your specific circumstances and goals.
Perth's property market has shown strong growth over recent years, with median house prices experiencing significant increases across most suburbs. For first-time buyers, this presents both challenges and opportunities. While prices have risen, Perth remains more affordable compared to Sydney and Melbourne markets, with many suburbs still offering entry-level properties under $500,000. The Western Australian government's First Home Owner Grant provides $10,000 for eligible new builds, and the federal government's First Home Guarantee Scheme allows eligible buyers to purchase with as little as 5% deposit without paying lenders mortgage insurance. At Luxe Finance Group, we help first-time buyers understand these schemes and identify suitable loan products that align with their budget and circumstances.
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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