Refer a Client

Getting started is easy! Contact us for a free consultation where we'll discuss your financial goals, assess your borrowing capacity, and outline your options. We offer face-to-face meetings across Perth, phone consultations, or video calls at your convenience. Our initial assessment is obligation-free, and we'll provide you with a clear roadmap for achieving your finance goals.

You'll typically need recent payslips (2-3 months), tax returns (2 years), bank statements (3-6 months), employment letter, identification, and details of assets and liabilities. For self-employed clients, additional documentation like BAS statements and accountant letters may be required. Luxe Finance Group provides a personalized checklist based on your situation and lender requirements.

While a 20% deposit helps you avoid Lenders Mortgage Insurance (LMI), you can purchase a home in Perth with as little as 5% deposit. First-time buyers may access schemes like the First Home Owner Grant or shared equity programs. Luxe Finance Group can help you explore all available options and find lenders who offer competitive low-deposit loans suitable for Perth's property market.

Refinancing can often save you thousands annually through better rates, features, or loan structures. With Perth's property values stabilising and competitive lending environment, now could be an ideal time. Luxe Finance Group offers a free loan health check to compare your current loan against market options, considering factors like interest rates, fees, features, and your changing financial circumstances.

Popular first-time buyer areas in Perth include Baldivis, Ellenbrook, Butler, Byford, and Pinjarra for affordability, while established areas like Morley, Dianella, and Nollamara offer good value closer to the city. We analyze factors like transport links, growth potential, amenities, and your budget to recommend suburbs that align with your lifestyle and investment goals.

The typical mortgage process in Western Australia takes 4-6 weeks from application to settlement. This includes loan approval (7-14 days), property valuation, legal checks, and final settlement preparations. At Luxe Finance Group, we streamline this process by ensuring all documentation is complete upfront and maintaining direct communication with lenders to avoid delays.

Yes, we work with clients across all credit situations. We have access to specialist lenders who consider applications from people with credit challenges, previous defaults, or complex financial situations. We'll assess your current position, provide strategies to improve your application, and connect you with lenders who focus on your ability to repay rather than just your credit history.

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).

At Luxe Finance Group, our services are completely free for most residential home loans. We receive our commission directly from the lender once your loan settles, so there's no cost to you. For some specialized commercial or complex loans, we may discuss a fee structure upfront, but we're always transparent about any costs involved.

Absolutely! We specialize in investment property financing across Perth's diverse suburbs. We can help you secure competitive investment loans, understand tax implications, analyze rental yields, and structure loans to maximize your investment potential. Our team stays current with Perth's rental market trends and can advise on high-growth areas and cash-flow positive opportunities.

Luxe Finance Group provides comprehensive mortgage and finance solutions including home loans, investment property loans, refinancing, commercial finance, car loans, and personal loans. We work with over 40 lenders across Australia to find the best rates and terms for Perth residents, offering personalized service from application through to settlement.