At Luxe Finance Group, we're expert Mortgage Brokers helping clients Australia-wide refinance their Home Loan
Rated 5 from 28 Reviews
Refinancing your home loan can seem like a formidable task. Yet, with proper guidance, it transforms into a chance for significant financial improvement, from reduced interest rates to enhanced loan features. Enter Luxe Finance Group. Based in Perth, we offer our professional services nationwide, simplifying the home loan refinancing journey for homeowners throughout Australia, ensuring clarity and understanding regardless of your location.
Making the decision to refinance your home loan is a pivotal step towards meeting your financial objectives. Whether you aim to lower your monthly repayments, decrease the term of your home loan, or access the equity in your property for upgrades or investment opportunities, refinancing your home loan might just be your solution. Luxe Finance Group stands ready to guide you. Armed with a profound insight into the market and a dedication to bespoke service, we align your current circumstances with an array of home loan options to make your refinancing choice as advantageous as possible.
Why opt for Luxe Finance Group for your home loan refinancing essentials? Our team is not just informed but genuinely committed to enhancing your financial outlook. We demystify the home loan refinancing process, managing all intricacies on your behalf. From your first consultation through to finalising documentation, we accompany you at every phase, guaranteeing a seamless and hassle-free transition.
In a realm saturated with choices, selecting Luxe Finance Group for your home loan refinancing signifies choosing a partner dedicated to prioritising your financial health. Let us assist in refining your mortgage to better serve you, across Australia.
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Check your Loan HealthYour fixed-rate period is ending soon.
When you have a fixed-rate Investment Loan, it typically lasts for 1 to 5 years. After that, your loan switches to a variable interest rate, which might differ from what you were paying before. If the interest rates have increased since you fixed your loan, the new interest rate could be higher. Conversely, if rates have decreased, you might end up with a lower interest rate. When you're a few months away from the end of your fixed-rate term, it's wise to talk to a mortgage broker like Luxe Finance Group. They can assist you in selecting the best Investment Loan option for your situation, whether it's sticking with your current lender, getting a new fixed-rate Investment Loan, or switching to a different lender. Choose the option that aligns with your financial goals.
You want to tap into your property's equity
If you wish to purchase another property, renovate your existing property, or access cash for a significant expense, you may be able to leverage the equity in your property. Refinancing your Investment Loan can facilitate access to this equity. However, accumulating equity doesn't necessarily mean you can access all of it. To determine how much you can access, reach out to the team at Luxe Finance Group.
You want to adjust your loan term
At times, you might consider refinancing to alter the duration of your Investment Loan. If your income has risen and you can afford higher repayments, switching to a shorter loan term could lead to long-term interest savings. But before committing to higher repayments, consider whether you'll still manage them if interest rates rise or your income decreases. Conversely, if you aim to reduce your repayments, extending the loan term could be beneficial. However, remember that a longer term entails more interest payments, resulting in higher overall costs.
See how much you could save by comparing your Home Loan to 1,000s of others currently available
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Rhiaan Richards
We recently bought our first property with the help of Jay from Luxe finance. As first time home buyers we didn’t know anything about purchasing a property, Jay took the time to explain everything and was available to answer any questions ...
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Tom
We were put in touch with Jay through a referral and could not have been happier. Buying our first home and not knowing what was involved, Jay was informative and thorough throughout the whole process. Considering I work fifo and us trying ...
CS
Chris Stobaus
Jay was extremely professional and knowledgeable at every stage of the loan process. It was a pleasure working with Jay and led to a very positive outcome. Recommend highly.
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, 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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