Your Mortgage Broker in Subiaco, WA 6008

Get into your property sooner with help from your local Mortgage Broker in Subiaco, WA 6008

Embarking on the quest for the ideal loan amidst a plethora of financial choices can often feel overwhelming, akin to navigating a labyrinth. Whether you're in pursuit of your dream residence in Subiaco, looking to broaden your portfolio with an investment property, or exploring the avenues of refinancing, Luxe Finance Group stands as your committed mortgage broker in Subiaco. Our services are custom-designed to effortlessly connect your financial dreams with reality, presenting a wide range of loan options that are perfectly suited to your needs.

As proficient mortgage brokers serving the Subiaco community, we possess an in-depth knowledge and understanding, ensuring you are provided with the most advantageous advice and loan possibilities. Our expertise in untangling the intricacies of the finance domain allows us to develop tailored solutions, be it a flexible home loan or an investment loan that aligns with your future plans.

At Luxe Finance Group, our deep familiarity with the Subiaco market, combined with a firm commitment to comprehend your unique needs and financial aspirations, sets us apart. Our customised approach ensures that out of the vast array of loan solutions we offer, you will find one that harmoniously fits your lifestyle. We take great pride in offering exceptional service and leveraging our broad market insight to be your reliable support throughout your financial journey. Seize the opportunities with Luxe Finance Group and begin your journey towards achieving your financial goals today.

As a Mortgage Broker in Subiaco, we'll help you understand the types of loans

This guide is crafted to guide residents of Subiaco and the surrounding regions through the various mortgage options on offer:

Owner-Occupied Loans: Specifically for those aiming to reside in their Subiaco abode, these loans come with attractive terms and reduced interest rates, thanks to the lesser risk lenders face with homes that the borrowers intend to live in themselves.

Interest-Only Loans: These options allow borrowers to pay merely the interest on the loan amount for a set timeframe, typically from five to ten years, without the obligation to pay off the principal. While initially this may lead to lower outgoings, it's important to note that repayments will escalate once you start repaying the principal.

Principal & Interest Loans: These loans oblige borrowers to repay both the principal sum and the interest, gradually diminishing the total loan amount over its term and ensuring it's completely paid off by its conclusion.

Variable Rate Loans: With interest rates subject to changes based on the financial market, these loans might result in fluctuating repayment amounts, impacting the total expense of the loan.

Fixed vs Variable Rate Loans: Offering a fixed interest rate for a certain period, usually ranging from one to five years, these loans provide the benefit of consistent repayments, aiding in financial planning. Be aware, however, that rates might revert to variable upon the fixed term's end, contingent on the prevailing market conditions.

Bridging Loans: Perfect for individuals in the process of buying a new home while awaiting the sale of their existing one, bridging loans offer a temporary financial buffer. Although these usually come with higher interest rates and shorter durations than average loans, they serve as a financial interlude between purchasing and selling, with the proceeds from the sale of the current property aimed to clear the bridging loan.

Understanding each loan variety is crucial, as each is suited to different requirements and financial situations.

The Application Process with your Mortgage Broker in Subiaco

1. Booking Your Strategy Session

Your loan journey begins with a scheduled appointment—either in person at our West Perth office, via video, or over the phone. During this stage, we confirm your goals and timelines, whether you're purchasing, refinancing, or investing, and outline what to expect in the process ahead. You’ll receive a welcome email containing a digital fact find and a tailored document checklist. To ensure an efficient consultation, we ask that you prepare supporting documents including identification, proof of income, and details of any liabilities.

Outcome: Create a relationship with a professional that sits on your side of every transaction.

2. Financial Review & Strategy Consultation

Before the consultation, we undertake a preliminary review of your financial position, including income, assets, liabilities, credit history, and your ongoing expenses. This allows us to tailor the discussion and present relevant options from the outset. In your consultation, we explore your financial and lifestyle goals, property strategy, and any applicable structures such as trusts or companies. We also assess your eligibility for relevant government incentives like the First Home Guarantee or stamp duty concessions. Based on your banking conduct and preferences, we assess your borrowing capacity across our panel of lenders and outline strategic loan structuring options that suit your objectives.

Outcome: A clear understanding of your financial position and an aligned loan strategy with relevant lenders shortlisted.

3. Lender Policy Analysis & Pricing Strategy

With your financial position and goals clarified, we conduct a targeted analysis of lending policies, ensuring shortlisted options align with your needs. We assess more than just interest rates—we consider policy fit, speed of assessment, and the lender's risk appetite. We also explore your eligibility for government schemes, request discretionary pricing where applicable, and assess structural elements such as fixed vs variable rates or offset accounts. This stage ensures we present a tailored shortlist of lending options with clearly outlined pros and cons.

Outcome: Transparent shortlist of suitable and competitive options, enabling informed lender selection.

4. Confirming Lender Selection

Once pricing, policy, and structure have been 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 exploring any cashback offers or ongoing fee waivers. At this stage, we’ll also determine whether your application proceeds as a pre-approval (for property search) or formal approval (if a contract is already in place).

Outcome: Lender confirmed and loan documentation prepared.

5. Lodgement & Tracking

We manage your application from submission through to decision, ensuring accuracy and speed throughout. This includes compiling all required documentation and submitting the application via lender platforms. You’ll receive real-time updates via email, SMS, or phone, and we’ll proactively engage with credit assessors, escalate where necessary, and manage any information requests to avoid delays.

Outcome: Application lodged and professionally managed through to decision.

6. Pre-Approval or Formal Approval

At this stage, your application is assessed and conditionally or formally approved. If you’re still property hunting, a pre-approval provides a 90-day conditional lending limit, allowing you to negotiate confidently and act quickly when the right opportunity arises. If you’ve already secured a property, formal approval will be issued once all conditions—including a satisfactory valuation and compliance checks—are met. This approval unlocks the final steps toward property ownership.

Outcome: You’re formally equipped to secure your property or finalise your purchase with full lender support.

7. Settlement & Ongoing Support

We work closely with your solicitor or conveyancer and your lender to ensure settlement proceeds smoothly. This includes coordinating document signing, verifying disbursement instructions, and managing final loan conditions. Post-settlement, we assist you in setting up access to your loan account, offset arrangements, and repayment schedules to ensure everything is in order.

Outcome: Settlement complete—your new property or structure is now funded and fully operational.

8. Post-Settlement Check-In & Loan Strategy Review

Our commitment doesn’t end at settlement. Luxe Finance provides ongoing guidance, with check-ins at 6 and 12 months to review your loan’s performance and ensure it remains competitive. We offer annual repricing services, refinancing alerts when suitable, and structured discussions for future borrowing strategies. Whether you're planning renovations, expanding your portfolio, or simply monitoring market trends, we remain your trusted lending partner.

Outcome: You stay ahead of market movements with a strategy that evolves alongside your financial goals.