Mortgage Broker in North Perth
At Luxe Finance Group, we're expert Mortgage Brokers in North Perth 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 North Perth helping clients get into their property sooner with a range of loan options
Rated 5 from 37 Reviews
Venturing into the world of home loans can seem like navigating a complex maze, with countless options at every turn. Whether you aim to find your ideal home in North Perth, expand your property portfolio, or are considering refinancing, Luxe Finance Group is here as your dedicated mortgage broker in North Perth. Our tailored services are designed to bring your financial dreams to life, offering a carefully chosen selection of loan options just for you.
Embedded in the North Perth community, our team of experienced mortgage brokers possesses deep knowledge and expertise, ensuring you receive guidance on the best loan options available. Our adeptness in unravelling the intricacies of the finance sector allows us to provide customised solutions that align flawlessly with your requirements, covering everything from flexible residential loans to investment loans designed to secure your future.
What sets Luxe Finance Group apart is our intimate understanding of the North Perth real estate market, coupled with our genuine commitment to cater to your specific needs. Our personalised service guarantees that you’ll discover a loan from our wide range that fits seamlessly into your lifestyle. Our focus is on delivering outstanding service and applying our comprehensive market knowledge to be your trusted partner in your financial journey. Choosing Luxe Finance Group is the first step towards realising your financial ambitions today.
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Navigating the multitude of mortgage choices in North Perth and its surroundings can seem daunting at first glance. Our comprehensive guide seeks to clarify these options, allowing you to make decisions about your finances with confidence.
Owner-Occupied Loans: These loans are catered to individuals intending to reside in North Perth. They feature attractive interest rates and conditions, primarily because the borrower living in the property decreases the risk for lenders, resulting in more favourable loan terms.
Interest-Only Loans: With this type of loan, for a predetermined period usually spanning five to ten years, the borrower is required to pay merely the interest. It's essential to note that while this can reduce initial outgoings, the fiscal commitment intensifies once you start repaying the principal.
Principal & Interest Loans: Designed to consistently decrease both the interest and the principal, these loans facilitate a gradual reduction of the total debt, leading to its complete repayment by the term's end.
Variable Rate Loans: The interest rates on these loans can vary according to the market, influencing your repayments and the total loan cost over time.
Fixed vs Variable Rate Loans: Choosing between these involves fixing the interest rate for a certain period, usually one to five years, which brings certainty in repayments. Yet, it's pertinent to remember that the loan might shift to a variable rate subject to market changes after this period.
Bridging Loans: Ideal for those transitioning between properties and awaiting the sale of their current home, these loans provide a short-term financial cushion. While they generally carry higher interest rates and shorter terms than average loans, they serve as a fiscal "bridge," with the proceeds from the sale intended to clear the loan.
Understanding each loan type's distinct features and advantages is key. With a range of options to accommodate various preferences and financial situations, you are sure to discover a loan that perfectly aligns with your needs.
Jay Coakley is North Perth's leading mortgage broker and financial expert, deeply embedded in the community. His extensive knowledge in finance positions him as your go-to for achieving your property goals. At the helm of Luxe Finance Group, Jay specialises in uncovering valuable property opportunities, always putting your borrowing requirements first and offering multiple loan solutions.
For advice, Jay Coakley is your qualified mortgage broker from Luxe Finance Group, available for both virtual and face-to-face consultations in North Perth and the surrounding locales.
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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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