Mortgage Broker in Mount Lawley
At Luxe Finance Group, we're expert Mortgage Brokers in Mount Lawley 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 Mount Lawley helping clients get into their property sooner with a range of loan options
Rated 5 from 37 Reviews
Setting out on the journey to find the ideal loan among a sea of options can feel like navigating through a maze. Whether you're looking to purchase your dream home in Mount Lawley, expand your property portfolio, or investigate refinancing possibilities, Luxe Finance Group is here as your dedicated mortgage broker in Mount Lawley. Our bespoke services aim to bridge your financial dreams with reality, presenting a specially curated selection of loan options just for you.
As experienced mortgage brokers within the Mount Lawley community, we bring a deep reservoir of knowledge and expertise, ensuring you receive the best advice and loan choices available. Our proficiency in unravelling the complexities of the finance industry allows us to provide tailored solutions that fit your needs, whether it's a flexible home loan or an investment loan aimed at securing your future.
What sets Luxe Finance Group apart is our in-depth understanding of the Mount Lawley property market, combined with our genuine commitment to recognise and honour your specific needs and wishes. Our personalised service guarantees you'll discover a loan in our varied selection that integrates effortlessly with your lifestyle. Our pride comes from delivering unparalleled service and utilising our profound market insights to be your trustworthy partner in your financial journey. Choosing Luxe Finance Group is the first step towards realising your financial aspirations today.
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Navigating through the myriad of mortgage choices available to those living in Mount Lawley and the neighbouring areas can seem daunting. Our comprehensive guide is designed to simplify these options, helping you to make well-informed decisions.
Owner-Occupied Loans: Targeted at individuals aiming to make Mount Lawley their residence, these loans offer attractive interest rates and terms. As the borrower lives in the property, lenders perceive less risk, resulting in better loan conditions.
Interest-Only Loans: In this arrangement, borrowers only pay the interest for a predetermined period, usually five to ten years, before they start to pay off the principal. It's important to note that while this can lower initial outgoings, the financial obligation increases when capital repayments begin.
Principal & Interest Loans: These loans are designed to systematically reduce both the interest and the principal amount, leading to a gradual decline in the overall debt, ensuring its complete repayment by the end of the term.
Variable Rate Loans: The interest rates on these loans change according to market conditions, impacting your repayments and the total cost of the loan over its lifespan.
Fixed vs Variable Rate Loans: Choosing between these involves fixing an interest rate for a certain period, usually one to five years, offering stability in repayments. It's vital to understand that after this period, the loan may switch to a variable rate subject to market dynamics.
Bridging Loans: Ideal for those transitioning between properties and awaiting the sale of their current home, bridging loans provide a short-term financial cushion. Despite generally having higher interest rates and shorter terms than standard loans, they serve as a financial "bridge," with the proceeds from the sale used to repay the loan.
Understanding the unique features and advantages of each loan type is key. These options cater to a diverse range of personal tastes and financial situations, ensuring you can find the most suitable loan for your needs.
Jay Coakley stands at the forefront as Mount Lawley’s premier mortgage broker and financial guru, deeply rooted within the community. With his profound financial acumen, he is dedicated to realising your property aspirations.
As the founder of Luxe Finance Group, Jay excels in identifying promising opportunities within the local property landscape, always prioritising your borrowing needs and providing you with a range of loan options.
For consultations, Jay Coakley of Luxe Finance Group is accessible for either virtual or in-person meetings in Mount Lawley and its neighbouring areas.
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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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