Mortgage Broker in Perth
At Luxe Finance Group, we're expert Mortgage Brokers in 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 Perth helping clients get into their property sooner with a range of loan options
Rated 5 from 37 Reviews
Embarking on the journey of securing home financing can often feel like navigating through a labyrinth, laden with important decisions at every corner. Whether you're searching for your dream home in Perth, aiming to grow your real estate portfolio, or exploring options for refinancing, Luxe Finance Group is committed to guiding you at every step as your trusted mortgage broker in Perth. Our bespoke services are meticulously crafted to transform your financial ambitions into reality, offering a personalised array of loan options that are tailored specifically for you.
Located in the heart of the dynamic Perth community, our team of proficient mortgage brokers brings a wealth of understanding and expertise, ensuring that you receive thorough advice on the most suitable loan offerings available. Our skill in demystifying the intricacies of the financial world allows us to devise tailored strategies that align seamlessly with your unique needs, from versatile residential loans to investment loans designed to enhance your future.
What distinguishes Luxe Finance Group is our deep connection with the Perth property market and our unwavering dedication to fulfilling your distinct dreams. Our bespoke approach ensures that you obtain a loan that not only meets but exceeds your expectations from our extensive selection, enriching your lifestyle in the process. We pride ourselves on our remarkable service and leveraging our profound insights into the market, striving to be your dependable ally in your financial voyage. Opting for Luxe Finance Group marks the beginning of turning your financial aspirations into reality today.
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Navigating the vast array of mortgage choices in Perth and its surrounding areas can seem daunting at first glance. Our comprehensive guide is designed to simplify these loan options, giving you the confidence to make informed financial decisions.
Owner-Occupied Loans: Specifically designed for individuals looking to reside in Perth, these loans are attractive due to their favourable interest rates and conditions. This is primarily because the risk to the lender is reduced when the borrower lives in the property, resulting in more favourable loan terms.
Interest-Only Loans: This type of loan requires the borrower to pay only the interest for a predetermined period, usually five to ten years. It's crucial to realise that while this can reduce outgoings in the short term, the financial commitment will increase once you start paying off the capital.
Principal & Interest Loans: Aimed at gradually reducing both the interest and the capital, these loans help in steadily decreasing your overall debt, leading to its eventual clearance by the end of the loan term.
Variable Rate Loans: With these loans, the interest rates can change according to market conditions, affecting your monthly repayments and the total cost of the loan over its term.
Fixed vs Variable Rate Loans: Choosing between these involves fixing the interest rate for a certain period, usually one to five years, which provides certainty in repayments. Nonetheless, it's important to note that the interest rate may switch to a variable rate after this fixed period, based on the market situation.
Bridging Loans: Ideal for individuals in the process of moving homes and who are waiting on the sale of their current property. These loans offer a short-term financial solution, albeit usually with higher interest rates and shorter terms. They serve as a financial "bridge," with the proceeds from the sale expected to clear the loan.
Understanding the distinct features and advantages of each loan type is crucial. With a variety of options available to meet different needs and financial situations, you are sure to find a loan that perfectly aligns with your requirements.
Jay Coakley stands as Perth's premier mortgage broker and financial authority, ingrained within the community. His profound understanding of finance establishes him as the prime choice for realising your property aspirations. Leading Luxe Finance Group, Jay focuses on identifying advantageous property prospects, prioritising your lending needs and presenting diverse borrowing options.
As a certified mortgage broker at Luxe Finance Group, Jay Coakley is at your service, offering consultations both virtually and in-person in Perth and nearby 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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