Simple. Strategic. Stress-Free.
Rated 5 from 44 Reviews
From your first conversation to your next investment, we're focused on the bigger picture, not just the next settlement.
Strategic Advice
Solutions structured around your goals, whether you're buying your first home, refinancing, or growing a portfolio.
Clarity at Every Step
Straight answers, upfront numbers, and honest guidance.
We Handle the Hard Part
From paperwork to lender negotiations, we manage the process end to end so you don't have to.
A Partner Beyond Settlement
We stay in your corner long after the loan settles, helping you spot the next opportunity when it counts.
Book Your Strategy Session
We started Premier Path Finance because we kept seeing the same problem, people settling for whatever their bank offered, without knowing there was a better option.
Luke Owen and Michael Kirk bring over 25 years of combined banking and broking experience to every client conversation. That experience means we understand how lenders think, what they want to see, and how to structure a loan that actually works for you, not just today, but years down the track.
We take the time to understand your full situation before recommending anything, whether you're buying your first home, refinancing an existing loan or building a property portfolio. With access to 50+ lenders, we're never pushing a product because it's convenient. We're recommending it because it's right for you.
Let's Discuss Your Goals
Between us, we've spent over 25 years inside the banking and broking world. That's over 25 years of understanding how lenders think, what makes an application stand out, and how to structure finance that serves your long-term goals, not just your immediate needs.
We've worked with first-home buyers who didn't think they were ready, investors building portfolios from scratch, and self-employed business owners told 'no' by their bank. Every situation and solution was different.
No templates, no assumptions, no one-size-fits-all answers. We ask the right questions, dig into the details, and build a strategy around what makes sense for you. And when things get complex, that's where 25 years of experience makes all the difference
Book Your Strategy Session
I
Is
Luke was amazing helping me buy my first property, from our initial chat and chatting about my circumstances and next steps right through to settlement! Luke was always happy to answer my questions, talk through the process and give me all the options, and made a process I had no idea about as seamless as possible. Couldn’t recommend more highly!
SK
Stacie Karas
We have dealt with Luke from Premier Path Finance on numerous occasions for purchase of properties and refinances. Luke is very responsive and nothing is too much trouble. He has his clients’ best interest at heart! Every dealing has been a smooth and stress free transaction and we would not even consider engaging anyone else in the future. Highly recommend!
RS
Rhys Smith
Luke Owen has been my go-to lending guy for many years. Previously he was with CBA Private Banking. A+ and VIP service. He joined Premier Path in recent years which has been a game changer. It's opened up lots of new possibilities for lending, residential, commercial and SMSF. I've introduced several heavy hitter former C-level employees to Luke and they've always been impressed! The service is even better now that he's not hamstrung by CBAs sometimes onerous rules!
KM
Khai Martin
Could not have asked for a better experience working with my broker Michael throughout the purchase of my new home. He was incredibly switched on at every stage, always on top of things and proactive in keeping everything moving smoothly. His communication was excellent (clear, timely, and easy to understand), and he took the time to explain every step in a way that made the whole process feel straightforward. He was always accessible whenever I had questions, which made a huge difference and gave me real confidence along the way. Overall, a fantastic experience and I couldn’t recommend him highly enough to anyone needing a broker.
AK
Andy Katz
I have been dealing with Michael for at least 8 years combined in his previous role and now at Premier Path Finance. I have always found Michael to be exceptional at what he does - super responsive and easy to deal with. In particular, he understands mortgage financing and how banks work intimately looks for financially creative solutions to find the best deals based on the circumstances. I have recently done three loans through Michael for myself with complex arrangements, plus a loan for my older son, and now also doing one for my younger son. I am extremely happy with the outcomes which is now saving me a significant amount on my mortgages. I would have no hesitation whatsoever to recommend Michael and Premier Path Finance for anyone looking for an easy to deal with person/organisation to help with your property finance solutions.
AT
Anne-Maree Trainor
I would highly recommend Michael Kirk from Premier Path Finance to anyone who is looking for a Home Loan Specialist. He made what is typically the overwhelming experience of getting a home loan an incredibly smooth and painless process. Michael is very professional, supportive and knowledgeable. Wonderful service I wouldn't hesitate recommending Premier Path Finance or using them again myself in the future.
Banks can only offer their own products. At Premier Path Finance, we compare a wide range of lenders to help you find a loan that suits your goals and circumstances.
We do the research, paperwork and negotiations on your behalf, making the process simple, stress-free and easy to understand.
Currently over 80% of loans in Australia are provided through a broker instead of directly at the bank, due to the options a broker can provide.
There is no cost to you for using a broker.
We are paid by the lender once your loan settles, which means you won't pay any additional fees and there is no impact on your interest rate or loan terms. Our service is designed to make the process easier by doing the research, comparing lenders and managing the paperwork on your behalf.
With Premier Path Finance, you receive expert advice and support at no extra cost, while we do the hard work for you.
Your borrowing capacity depends on factors including:
• Your income
• Existing debts and expenses
• Deposit amount
• Employment type
• Credit history
We'll assess your situation and help you understand your borrowing power before you start looking for a property.
Many lenders allow eligible borrowers to purchase with as little as a 5% deposit. A larger deposit may provide more lender options and help reduce costs such as Lenders Mortgage Insurance (LMI).
We'll guide you through your options and explain exactly what you'll need.
Pre-approval is an indication from a lender of how much you may be able to borrow before you purchase a property.
Pre-approval can help you shop with confidence and understand your budget. We'll manage the entire process and liaise with the lender on your behalf.
Timeframes vary depending on the lender and your circumstances. Many approvals are completed within a few days to several weeks.
Our team keeps the process moving and handles the communication with lenders, making everything easier for you.
Absolutely.
Buying your first home can feel overwhelming, but we'll guide you through every step. We'll explain the process in plain English, help you understand your borrowing capacity and determine whether you're eligible for grants and concessions.
Depending on your circumstances and location, you may be eligible for:
• First Home Owner Grants
• Stamp duty concessions
• Home Guarantee Scheme initiatives
We'll help you understand what support may be available and whether you qualify.
Yes.
A guarantor loan may allow eligible borrowers to purchase with little or no deposit while avoiding LMI.
Using a family guarantee in some cases can cover the full purchase cost of a property, inclusive of stamp duty (105% lend), with identical loan terms to a standard loan.
We'll explain how guarantor loans work and whether they're suitable for your circumstances.
Lenders Mortgage Insurance is generally required when you borrow more than 80% of the property's value.
LMI protects the lender, not the borrower. The cost varies depending on the size of your loan and deposit. We can help you understand whether it applies and explore options to minimise or avoid it.
Refinancing may help you:
• Lower your interest rate
• Reduce repayments
• Consolidate debts
• Access equity
• Improve loan features
We'll compare lenders and manage the refinancing process from start to finish.
Yes.
If your property's value has increased or you've paid down your loan, you may be able to access equity for:
• Renovations
• Investment properties
• Debt consolidation
• Personal expenses
We'll help you understand how much equity may be available and which options suit your goals.
Yes.
We assist investors with:
• Investment property loans
• Equity release
• Portfolio growth
• Interest-only lending
• Refinancing existing loans
Whether you're buying your first investment property or expanding your portfolio, we'll help create a strategy that aligns with your goals.
Yes.
Depending on your circumstances, some lenders offer low-deposit home loans and government schemes may also help eligible buyers enter the market sooner.
We'll explain your options and help you find a pathway into home ownership.
A fixed rate provides certainty by locking in your interest rate for a set period.
A variable rate can change over time and often offers greater flexibility, including offset accounts and extra repayments.
We'll explain the pros and cons and help you choose the right loan structure.
An offset account is a transaction account linked to your home loan.
The balance in the account reduces the amount of interest charged on your loan, potentially helping you save thousands over the life of your mortgage.
A construction loan is designed for people building a new home.
Funds are generally released in stages throughout the building process rather than in one lump sum.
We'll guide you through the process and coordinate with the lender and builder to help everything run smoothly.
Settlement is when ownership of the property is officially transferred and the loan funds are released.
We work closely with your lender, solicitor and conveyancer to ensure everything runs smoothly and keep you informed every step of the way.
We recommend reviewing your home loan every 12 to 24 months or whenever your circumstances change.
Regular reviews can help ensure you're still getting a competitive rate and the right loan features.
Multiple loan applications can impact your credit file.
That's why we carefully assess your situation first and recommend suitable lenders before submitting an application, helping you avoid unnecessary enquiries.
Premier Path Finance Pty Ltd ABN: 69 684 858 802. Credit Representative #570775 is authorised under Australian Credit Licence #384704.
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.
Site by Broker Studio
