Mortgage Broker in South Perth
At Luxe Finance Group, we're expert Mortgage Brokers in South 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 South 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 financing can seem like navigating a complex expedition, full of critical choices at every turn. If you're in pursuit of your ideal home in South Perth, looking to expand your property portfolio, or considering refinancing options, Luxe Finance Group is here to guide you every step of the way as your dedicated mortgage broker in South Perth. Our tailored services are designed to turn your financial goals into reality, offering a bespoke selection of loan solutions crafted just for you.
Nestled in the vibrant community of South Perth, our team of expert mortgage brokers is equipped with a deep understanding and expertise, ensuring you receive comprehensive advice on the best loan options available. Our knack for unravelling the complexities of the financial landscape enables us to provide customised strategies that align perfectly with your individual needs, from flexible residential loans to investment loans aimed at bolstering your future.
What sets Luxe Finance Group apart is our intimate familiarity with the South Perth property market and our relentless commitment to cater to your specific aspirations. Our individualised approach guarantees that you secure a loan that's perfectly matched to your requirements from our wide range, enriching your lifestyle. We take pride in offering exceptional service and utilising our in-depth market insights, aiming to be your trusted partner in your financial journey. Choosing Luxe Finance Group is the first step towards realizing your financial dreams today.
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Exploring the myriad mortgage options available in South Perth and its environs can initially appear overwhelming. Our detailed guide aims to demystify these choices, empowering you to approach your financial decisions with assurance.
Owner-Occupied Loans: Tailored for individuals planning to live in South Perth, these loans offer appealing interest rates and terms. This is largely because the borrower residing in the property reduces the lending risk, leading to more advantageous loan conditions.
Interest-Only Loans: Under this loan arrangement, for a set period typically between five to ten years, the borrower is obligated to pay only the interest. It's important to understand that while this arrangement can lower immediate expenses, the financial obligation increases when you commence repayment of the principal.
Principal & Interest Loans: These loans are structured to concurrently diminish both the interest and the principal, enabling a steady reduction in overall debt, culminating in its full settlement by the end of the term.
Variable Rate Loans: The interest rates for these loans fluctuate with the market, affecting your monthly repayments and the overall cost of the loan over its lifespan.
Fixed vs Variable Rate Loans: The decision here involves locking in the interest rate for a specified duration, typically between one to five years, offering predictability in repayments. However, it's crucial to be aware that the loan may revert to a variable rate following this period, depending on market conditions.
Bridging Loans: Especially useful for those moving between properties and awaiting the sale of their current residence, these loans provide a short-term financial reprieve. Despite typically featuring higher interest rates and shorter durations than standard loans, they act as a financial "bridge", with the sale proceeds expected to settle the loan.
Comprehension of each loan type’s unique attributes and benefits is vital. With an assortment of options catering to diverse needs and financial circumstances, you’re bound to find the loan that seamlessly matches your requirements.
Jay Coakley stands as South 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 South 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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