Your Mortgage Broker in Cottesloe
At Luxe Finance Group, we're expert Mortgage Brokers in Cottesloe helping clients get into their property sooner with a range of loan options
Rated 5 from 37 Reviews
At Luxe Finance Group, we're expert Mortgage Brokers in Cottesloe helping clients get into their property sooner with a range of loan options
Rated 5 from 37 Reviews
Steering through the intricate domain of financial decisions, particularly when it comes to choosing the ideal loan, can appear to be an overwhelming task. Whether your dream revolves around acquiring the perfect home in the suburbs, expanding your property portfolio with an investment, or exploring refinancing possibilities, Luxe Finance Group stands as your dependable mortgage broker in Cotteslee. Our bespoke service is designed with your unique requirements in mind, offering a selection of loan alternatives that strive to connect your financial dreams with reality.
As experienced Mortgage Brokers dedicated to the Cottesloe community, we offer specialised guidance, underpinned by a deep comprehension of the local market. Our expertise guarantees top-notch advice and access to the finest loan options available. Specialising in customised solutions, we cater to those seeking adaptable home loans or investment loans that align with your long-term goals.
At Luxe Finance Group, we extend beyond being merely Mortgage Brokers in Cottesloe; we are your committed allies, keen on grasping both the subtleties of the local market and your personal and financial aspirations. Our personalised strategy ensures we pinpoint the loan solution that effortlessly fits into your way of life. Our commitment to excellence, alongside our thorough insight into the market, makes us your premier partner in navigating your financial journey. Discover the myriad of possibilities with Luxe Finance Group and take the first step towards securing your financial future today.
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This guide helps clients in Cottesloe and the surrounding suburbs to understand the different loan types:
Owner Occupied Loans: Specifically designed for individuals who intend to reside in their new home, owner occupied loans typically present more advantageous terms and lower interest rates in comparison to investment property loans. This preference is attributed to the lower perceived risk of loans for properties the clients will occupy.
Interest Only Loans: These loans allow borrowers the flexibility to pay just the interest portion for a designated period, usually spanning five to ten years, postponing the principal repayment. Initial repayments are thus lower, albeit this may translate to heightened costs down the line as principal repayment commences.
Principal & Interest Loans: By necessitating the repayment of both the principal sum and interest, these loans are structured to incrementally diminish the outstanding loan balance, ensuring complete repayment by the loan's maturity.
Variable Rate Loans: Defined by fluctuating interest rates throughout the loan’s duration, adjusting in response to market dynamics or at the discretion of the lender. Such variances can affect monthly repayments, potentially impacting the total cost of the loan.
Fixed Rate Loans: These loans lock in the interest rate for a certain period, typically ranging from one to five years, thereby providing borrowers with consistent repayment amounts and facilitating more effective budget management. Post the fixed period, the interest rate may revert to a variable rate, contingent on prevailing market conditions.
Bridging Loans: Serving as short-term financial remedies for borrowers in the midst of transitioning between selling one property and acquiring another, bridging loans are tailored to "bridge" the financial divide. They usually carry higher interest rates and are of shorter duration compared to conventional loans, with the expectation of settling the loan through the sale of the prior property.
Each variety of loan encapsulates unique benefits and considerations, pivotal in informing your property-related decisions in Cottesloe and beyond. Whether you're in pursuit of fixed-rate repayment stability, in need of transient financial assistance during property transition, or seeking to minimise initial expenditures with an interest-only loan, a bespoke solution awaits every circumstance.
Jay Coakley stands out as your Cottesloe-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 Cottesloe.
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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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