Mortgage Broker in Hillarys
At Luxe Finance Group, we're expert Mortgage Brokers in Hillarys 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 Hillarys helping clients get into their property sooner with a range of loan options
Rated 5 from 37 Reviews
Beginning your journey into home financing can often feel like you're trying to find your way through a labyrinth, filled with critical choices at every turn. For those dreaming of home ownership in Hillarys, seeking to expand their investment portfolio, or considering the benefits of refinancing, Luxe Finance Group stands by your side as your dedicated Hillarys mortgage broker. Our bespoke services are crafted to transform your financial aspirations into reality, offering a carefully selected range of loan solutions tailored specifically for you.
At the heart of the bustling Hillarys community, our team of expert mortgage brokers leverages extensive knowledge and expertise to provide you with thorough advice on the loan options most suited to your individual circumstances. Our ability to demystify the complex world of finance enables us to deliver personalised strategies that are in perfect harmony with your goals, whether you're looking for adaptable residential loans or investment loans designed to secure your financial future.
What sets Luxe Finance Group apart is our profound understanding of the Hillarys property market and our unwavering dedication to fulfilling your particular needs. Our customised service ensures you're matched with a loan that goes beyond mere satisfaction, chosen from our wide-ranging portfolio to enhance your way of life. We are proud of our exemplary service and deep market insight, committed to being your reliable guide throughout your financial voyage. Opting for Luxe Finance Group is the initial step towards achieving your financial aspirations today.
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Navigating the plethora of mortgage choices in Hillarys may seem like a daunting task. Our comprehensive guide is designed to simplify these loan options, equipping you with the knowledge to make smart, well-informed financial choices.
Owner-Occupied Loans: These loans are ideal for individuals intending to reside in their Hillarys property, often featuring more favourable interest rates and terms. This is attributed to the reduced risk perceived by lenders, as the borrower is living in the security property.
Interest-Only Loans: Borrowers opting for this alternative agree to pay merely the interest portion for a certain period, usually ranging from five to ten years. It's important to grasp that although this option may reduce initial outlays, it eventually escalates financial obligations when the time comes to repay the principal amount.
Principal & Interest Loans: Aimed at systematically diminishing both the interest and principal balance, this approach gradually lowers the total owing, targeting complete loan repayment by its conclusion.
Variable Rate Loans: With these loans, interest rates can vary according to the ongoing market trends, impacting the monthly repayment figures and the overall cost of the loan throughout its tenure.
Fixed vs Variable Rate Loans: This decision focuses on securing an interest rate for a predetermined period, typically one to five years, for consistent repayment amounts. It's crucial to recognize that post this timeframe, the loan may revert to a variable rate depending on the prevailing market rates.
Bridging Loans: Ideal for individuals transitioning between properties and awaiting the sale of their current home, these short-term solutions act as a financial intermediary. Although they generally come with higher interest rates and shorter durations compared to regular loans, their purpose is quick repayment following the sale of the previous property.
Grasping the distinct attributes and advantages of each loan type is vital. With an extensive assortment of options available, tailored to meet diverse needs and financial circumstances, securing the optimal loan suited to your particular goals is within reach.
Jay Coakley stands out in the Hillarys area as a leading figure in mortgage broking and financial advice, with a strong presence in the community. His vast financial knowledge positions him as the go-to expert for fulfilling your property aspirations.
Leading Luxe Finance Group, Jay excels at identifying lucrative property ventures, customising loan packages to suit unique requirements, and providing diverse borrowing choices.
Operating from Luxe Finance Group, Jay is a certified mortgage broker, providing consultations either online or in-person in Hillarys and the neighbouring regions.
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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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