Your Mortgage Broker in Claremont
At Luxe Finance Group, we're expert Mortgage Brokers in Claremont helping clients get into their property sooner with a range of loan options
Rated 5 from 38 Reviews
At Luxe Finance Group, we're expert Mortgage Brokers in Claremont helping clients get into their property sooner with a range of loan options
Rated 5 from 38 Reviews
Navigating the complex waters of financial decisions, especially when it comes to securing the right loan, can often feel like a daunting journey. Whether you have your sights set on the perfect suburban home, are looking to enhance your portfolio with an investment property, or are delving into refinancing options, Luxe Finance Group is your trusted local mortgage broker in Claremont. Our custom-tailored service, focused on your distinct needs, presents a variety of loan options that aim to bridge the gap between your financial aspirations and reality.
As seasoned Mortgage Brokers serving the Claremont community, we provide specialised support, backed by a profound understanding of the market. Our expertise ensures you receive premier advice and access to the best loan options out there. We excel in crafting bespoke solutions, whether you're in search of a flexible home loan or an investment loan that complements your long-term objectives.
At Luxe Finance Group, we're not just Mortgage Brokers in Claremont; we're your partners committed to understanding the nuances of the local market as well as your personal and financial goals. Our tailored approach guarantees that we identify the loan option that seamlessly integrates with your lifestyle. Our dedication to excellence, combined with our comprehensive market insight, positions us as your ideal ally on your financial path. Embrace the wealth of options with Luxe Finance Group and embark on the journey to secure your financial future today.
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This guide is tailored to assist clients in Claremont and neighbouring areas in navigating the diverse suite of loan options available:
Owner Occupied Loans: Designed for individuals intending to live in their newly acquired homes, owner occupied loans generally offer more favourable conditions and lower interest rates compared to those for investment properties. This is due to the perceived lower risk associated with loans for homes that clients plan to inhabit.
Interest Only Loans: These loans permit borrowers to only repay the interest component for a set period, typically five to ten years, deferring principal repayment. This arrangement yields lower repayments at the outset, though it could lead to higher costs later as principal repayment begins.
Principal & Interest Loans: Mandating the repayment of both the principal amount and interest, these loans are structured to gradually reduce the outstanding loan balance, ensuring it is fully repaid by the end of the term.
Variable Rate Loans: Characterised by interest rates that vary over the loan's life, adjusting to market changes or at the lender's discretion. These fluctuations mean monthly repayments can increase or decrease, affecting the overall loan cost.
Fixed Rate Loans: Fixed rate loans secure the interest rate for a specific time period, usually one to five years, offering borrowers consistency in repayment amounts and aiding in budget planning. After the fixed term, the interest rate may shift to a variable one depending on current market rates.
Bridging Loans: These are short-term solutions for borrowers transitioning between selling one property and purchasing another, designed to "bridge" the financial gap. Often, bridging loans have higher interest rates and shorter durations than standard loans, with the sale of the previous property expected to settle the loan.
Each loan type offers distinct advantages and considerations, crucial in making informed decisions for your property journey in Claremont and beyond. Whether seeking the predictability of fixed-rate repayments, needing temporary financial aid during a move, or aiming for lower initial outlays with an interest-only loan, there's a tailored solution for every scenario.
Jay Coakley stands out as your Claremont-based mortgage broker and financial guru. As a seasoned local with a robust financial foundation, Jay is devoted to guiding clients towards fulfilling their property aspirations.
At the helm of Luxe Finance Group, he demonstrates a keen insight into leveraging growth possibilities within the local real estate scene. With Jay, rest assured, your borrowing requirements are paramount. Eager to advance on your financial path?
Reach out to Jay Coakley at Luxe Finance Group to set up a virtual or face-to-face consultation across Claremont.
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chris Swan
I recently had the pleasure of working with Jay Coakley from Luxe Finance Group to secure a construction loan, and I cannot speak highly enough of his exceptional service and expertise. From the very beginning, Jay demonstrated a deep understanding of the complexities involved in construction financing. He took the time to thoroughly explain the process, ensuring that I was well-informed and comfortable with each step. His ability to break down intricate financial details into easily understandable terms was incredibly reassuring. Jay's professionalism and dedication were evident throughout our interactions. He was always prompt in responding to my queries, no matter how trivial they might have seemed. His patience and willingness to address all my concerns made the entire experience stress-free and straightforward. One of the standout aspects of Jay's service was his personalized approach. He took the time to understand my specific needs and financial situation, tailoring his recommendations to ensure the best possible outcome. His extensive network and relationships within the industry were instrumental in securing favourable terms for my loan. Moreover, Jay's proactive communication kept me informed at every stage of the process. He provided regular updates and was always available to offer guidance and support. This level of transparency and commitment is rare and truly sets him apart from others in the field. In addition to his technical expertise, Jay's genuine care for his clients is what makes him exceptional. He went above and beyond to ensure that I felt supported and confident in my decisions. His friendly demeanour and positive attitude made working with him a pleasure. Thanks to Jay's hard work and dedication, I was able to secure a construction loan that perfectly suited my needs. I am incredibly grateful for his assistance and would highly recommend Jay Coakley and Luxe Finance Group to anyone seeking mortgage or commercial lending services. His exemplary service and unwavering commitment to his clients make him a standout professional in the industry. Jay is an avid Golfer, and I hope I get the chance to see him on the Meadow Springs course to show him why they call it a handicap haha
JG
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.
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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