Luxe Finance Group helps Mandurah clients secure home loans, investment loans and refinancing across 40+ lenders
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Whether you are purchasing your first home, adding to a property portfolio, or refinancing an existing loan, working with a Mortgage Broker in Mandurah gives you access to a wider range of lenders and loan structures than approaching a single bank. Luxe Finance Group works with clients across Mandurah and the surrounding region, matching each client to a loan that suits their financial position and long-term goals.
As your dedicated Mortgage Broker in Mandurah, we compare options across 40 or more lenders, including major banks, regional lenders, and specialist financiers. This means you receive a tailored recommendation rather than a one-size-fits-all product. Our approach is thorough, transparent, and focused entirely on your outcome.
Mandurah is one of Western Australia's most sought-after coastal cities, attracting first home buyers, upsizers, and investors alike. The property market here moves with confidence, and having a Mortgage Broker in Mandurah who understands local conditions puts you in a stronger position when it counts.
Stepping into the property market for the first time is a significant milestone, and a Mortgage Broker in Mandurah can make the process far more manageable. At Luxe Finance Group, we walk first home buyers through every stage, from understanding your borrowing capacity to identifying which government incentives apply to your situation.
Western Australia offers a range of support for eligible first home buyers, including the First Home Owner Grant and stamp duty concessions. We also assess eligibility for the Home Guarantee Scheme, which allows qualifying buyers to purchase with a deposit as low as five per cent without paying Lenders Mortgage Insurance. Our team also reviews LMI waivers for eligible professions, which can result in meaningful savings at settlement.
We take the time to understand your goals, your timeline, and your financial position before recommending a loan structure. Whether you are purchasing an established home or exploring house and land packages, your Mortgage Broker in Mandurah will ensure you enter the market with clarity and confidence.
For owner-occupiers in Mandurah, selecting the right home loan structure is just as important as finding the right property. A Mortgage Broker in Mandurah compares variable rate, fixed rate, and split loan options across a broad panel of lenders to find a structure that aligns with your lifestyle and repayment preferences.
We assess features such as offset accounts, redraw facilities, and repayment flexibility, which can make a significant difference to the total cost of your loan over time. Our brokers also review whether your current loan is still working for you, particularly if your circumstances have changed since you first borrowed.
For clients looking to upgrade their existing property, we can assist with bridging finance to manage the transition between selling and purchasing. Every recommendation we make is based on your individual situation, not on lender incentives.
Mandurah continues to attract property investors drawn to its coastal lifestyle, strong rental demand, and relative affordability compared to metropolitan Perth. As your Mortgage Broker in Mandurah, we structure investment loans to support both your immediate purchase and your longer-term portfolio strategy.
We assess interest-only options, principal and interest structures, and the tax implications of each, working alongside your accountant or financial adviser where relevant. For clients building a portfolio, we also consider how each new loan affects your overall borrowing position and serviceability across lenders.
Our team has experience with investment property finance across a range of property types, including residential houses, units, and dual-income properties. We also assist clients exploring SMSF loans for those looking to hold investment property within a self-managed super fund.
Refinancing your home or investment loan with the support of a Mortgage Broker in Mandurah can unlock meaningful savings and improved loan conditions. Whether your fixed rate period is ending, your financial situation has changed, or you simply want to know whether a better option exists, we conduct a thorough review of your current loan against the broader market.
We assess your current rate, loan features, and any exit costs before presenting alternatives. In many cases, clients refinancing through Luxe Finance Group access lower rates, improved offset arrangements, or the ability to consolidate debt into a single manageable repayment. Our refinancing service covers both owner-occupied and investment loans.
If you are looking to release equity for renovations, further investment, or other purposes, we can structure a refinance that achieves this while keeping your overall position strong. Speak with your Mortgage Broker in Mandurah to understand what refinancing could mean for your financial position.
Luxe Finance Group also assists clients in nearby areas including Rockingham, Fremantle, Cockburn Central, and the wider Perth metropolitan area, as well as clients based in Mandurah itself.
Understanding the range of loan types available is an important part of making informed decisions about your property finance. As your Mortgage Broker in Mandurah, we take the time to explain each option clearly so you can choose with confidence.
Owner-Occupied Loans: Designed for clients purchasing a property they intend to live in, these loans typically attract more favourable rates and conditions. Lenders view owner-occupiers as lower risk, which is reflected in the pricing and terms on offer.
Interest-Only Loans: With an interest-only loan, repayments cover only the interest component for a set period, generally between five and ten years. This structure is commonly used by investors to manage cash flow, though it is important to plan for the transition to principal and interest repayments.
Principal and Interest Loans: Repayments are split between the loan's interest and the outstanding principal, gradually reducing the balance over the life of the loan. This structure builds equity steadily and is well suited to owner-occupiers focused on long-term ownership.
Variable Rate Loans: The interest rate on these loans moves in line with market conditions, which means repayments can increase or decrease over time. Variable loans often include features such as offset accounts and redraw facilities, offering greater flexibility.
Fixed Rate Loans: A fixed rate loan locks in your interest rate for a set term, typically between one and five years, providing certainty around repayments. After the fixed period ends, the loan generally reverts to a variable rate, so it is worth planning for this transition.
Bridging Loans: Bridging finance is designed for clients who are buying a new property before their existing one has settled. These loans carry higher rates and shorter terms than standard products, but they allow you to move forward without waiting for the sale to complete.
Each loan type has distinct features, and the right choice depends on your financial position, goals, and timeline. Your Mortgage Broker in Mandurah will assess all relevant factors and present a clear recommendation tailored to your circumstances.
Book an appointment with your Mandurah Finance and Mortgage Broker today
Book AppointmentWorking with a Mortgage Broker in Mandurah means having a dedicated professional manage every stage of your loan from initial consultation through to settlement and beyond. Here is how the process works at Luxe Finance Group.
Your first step is scheduling a consultation, available in person at our West Perth office, via video call, or over the phone. We confirm your goals, whether you are purchasing, refinancing, or investing, and outline what to expect throughout the process. You will receive a welcome email with a digital fact find and a tailored document checklist to help you prepare.
Before your consultation, we conduct a preliminary review of your income, assets, liabilities, credit history, and ongoing expenses. This allows us to tailor the discussion and present relevant options from the outset. We also assess your eligibility for government incentives such as the First Home Guarantee or stamp duty concessions, and we review your borrowing position across our lender panel.
With your financial position clarified, we conduct a targeted analysis of lending policies to ensure shortlisted options align with your needs. We assess more than just interest rates, considering policy fit, speed of assessment, and lender risk appetite. We also explore eligibility for government schemes and request discretionary pricing where applicable, presenting a clear shortlist with outlined pros and cons.
Once pricing, policy, and structure are 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 determining whether your application proceeds as a pre-approval or formal approval. Your Mortgage Broker in Mandurah manages this stage with precision and transparency.
We manage your application from submission through to decision, compiling all required documentation and submitting via lender platforms. You will receive regular updates by email, SMS, or phone, and we proactively engage with credit assessors to avoid delays. Every detail is handled on your behalf so you can focus on your property goals.
At this stage, your application is assessed and conditionally or formally approved. A pre-approval provides a 90-day conditional lending limit, allowing you to negotiate with confidence when the right property becomes available. If you have already secured a property, formal approval is issued once all conditions including valuation and compliance checks are satisfied.
We work closely with your solicitor or conveyancer and your lender to ensure settlement proceeds without issue. This includes coordinating document signing, verifying disbursement instructions, and managing final loan conditions. After settlement, we assist you in setting up loan account access, offset arrangements, and repayment schedules.
Our commitment to Mandurah clients does not end at settlement. We conduct check-ins at six and twelve months to review your loan performance and ensure it remains suited to your circumstances. We offer annual repricing, refinancing alerts when conditions are favourable, and structured conversations around future borrowing strategies as your goals evolve.
Jay Coakley is the finance and mortgage broker behind Luxe Finance Group, bringing genuine knowledge of the Mandurah property market and a client-first approach to every engagement. With a strong understanding of Western Australia's lending conditions and local property dynamics, Jay works with buyers, investors, and refinancers to structure loans that support their goals now and into the future.
As your Mortgage Broker in Mandurah, Jay takes the time to understand your full financial picture before presenting options. He compares products across a broad panel of lenders and advocates on your behalf throughout the application process, ensuring nothing is left to chance.
Mandurah's property market offers genuine opportunity for those who approach it with the right strategy and the right support. Whether you are purchasing your first home on the Peel inlet, refinancing a coastal investment, or expanding your Western Australia portfolio, Jay provides the guidance and lender access to make it happen.
Consultations are available in person at our West Perth office, via video call, or over the phone, making it straightforward to connect with your Mandurah mortgage broker regardless of your schedule. Book an appointment today to take the next step.
Book AppointmentLa
Lauren and Joe Saban
Absolutely outstanding service from Jay Coakley and the team. Jay provided clear, strategic advice throughout our purchase journey and had an in depth understanding of professional loans. Jay was always willing to speak with us (even on the weekend) and helped us navigate a competitive silent auction with 12 buyers ensuring we secured the property without overpaying. Our finance was pre-approved and formal approval was obtained in under 7 days. Linh was also incredibly efficient and competent throughout. We couldn’t recommend Jay and his team more highly.
fR
farjana Rahman
Dino was absolutely fantastic throughout the entire mortgage process. He was very professional, knowledgeable, responsive, and made everything so easy for us. We truly appreciate his kind support and guidance. We highly recommend Dino to anyone looking for a trustworthy and reliable mortgage broker from Luxe Finance Group. Thank you so much !😊
JM
Jack Miles
Jay and Linh are an elite crew and made what seemed to be a very complex and scary process to a bunch of rookies seamless and easy. Will definitely be using them in the future!
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 ABN: 52660091690, Luxe Finance Group Pty Ltd ABN: 52660091690. Credit Representative #541795 is authorised under Australian Credit Licence #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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