Buy a Home
Expert home loan guidance from pre-approval through to settlement across Melbourne and Australia
Rated 5 from 45 Reviews
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Expert home loan guidance from pre-approval through to settlement across Melbourne and Australia
Rated 5 from 45 Reviews
Choosing to buy a home is one of the most significant financial decisions you will ever make, and having the right support alongside you makes all the difference. Whether you are purchasing your first home, acquiring an investment property, or moving into your next chapter, Premier Path Finance provides expert mortgage broking services to clients in Melbourne, Victoria and nation-wide. Understanding your borrowing power, working through the purchase process, and securing a home loan that genuinely suits your circumstances can feel like a lot to take on - which is why our team is committed to guiding you through every stage. From your initial consultation through to settlement, we work alongside you to make your property purchase as informed and successful as possible.
When you are ready to buy a home, knowing your borrowing power is the foundation of a realistic property search. Premier Path Finance uses thorough assessment tools and lender criteria to determine how much you can borrow, taking into account your income, expenses, existing commitments, and long-term financial goals. Whether you are purchasing with a 5% deposit, 10% deposit, or 20% deposit, we will help you understand what is required and identify suitable low-deposit options where applicable. Establishing your borrowing position early allows you to search with confidence and puts you in a stronger position when the right property comes along.
Securing pre-approval is one of the most important steps in the home buying process, and Premier Path Finance makes it efficient and straightforward. Pre-approval signals to vendors and agents that you are a prepared buyer with finance in place - a real advantage in a sought-after market. We will help you get pre-approved before you begin seriously inspecting properties, whether you are looking to purchase a house, apartment, unit, or townhouse. Our role extends well beyond submitting an application. We compare options across multiple lenders to find a home loan suited to your situation, weighing up interest rates, loan features, and long-term value so you can make a well-informed decision.
The costs involved in buying a home extend beyond the purchase price, and understanding the full picture is essential for sound financial planning. Premier Path Finance provides clear guidance on stamp duty, legal fees, building and pest inspections, conveyancing, and other associated costs that form part of your overall budget. Use our stamp duty calculator to get an early estimate of what to expect. Whether you are a first home buyer exploring available government grants and concessions, or purchasing an investment property with different tax considerations, we ensure you understand every cost before you commit. Our team helps you plan thoroughly so there are no surprises along the way.
At Premier Path Finance, we recognise that every client's situation is different, which is why our support goes well beyond arranging finance. We take the time to understand your goals - whether that is buying your first home, expanding your investment portfolio, or upgrading to your next property. Our nation-wide service means we can assist clients across Australia, while maintaining a strong local presence for those in Melbourne and Victoria. When you are ready to move forward and want expert guidance on securing a home loan that works for you, our team is here to provide personalised, attentive service. Contact us today and take the first step towards making your property purchase a reality.
At Premier Path Finance, our process is built around you. Whether you are looking to buy a home for the first time or add to an existing portfolio, every step is designed to give you clarity, confidence, and a loan structure that genuinely fits your life.
We start with a relaxed, no-pressure conversation to understand what you are hoping to achieve. If you are ready to buy a home, we want to hear about your timeline, your priorities, and any questions you have. We will walk you through key concepts - interest rates, loan-to-value ratio (LVR), lenders mortgage insurance (LMI) - so you feel informed from the outset.
We take a thorough look at your income, expenses, assets, and liabilities to map out your borrowing position. This step helps us tailor a strategy aligned with your goals and identify any eligibility for lender discounts, LMI waivers, or government schemes that may apply to your purchase.
Drawing on our panel of trusted lenders, we put together a shortlist of home loan options suited to your financial profile and objectives. We explain the strengths and trade-offs of each so you can make a confident, well-considered choice.
For clients looking to buy a home, we guide you through the pre-approval process to strengthen your position before you make an offer. We prepare and submit all necessary documentation, keeping the process moving efficiently on your behalf.
Once your loan is approved, we walk you through the loan contract, clarify the terms, and coordinate with solicitors, conveyancers, and lenders to ensure a smooth path to settlement.
Our relationship does not end at settlement. We continue to support you with periodic loan reviews, refinancing options, and guidance on future lending needs - so your home loan keeps working as hard as you do.
At Premier Path Finance, we guide each client along a transparent, confident path to home ownership and lasting financial wellbeing. Drawing on more than 25 years of combined banking and finance experience, our award-winning team delivers mortgage strategies that are both sophisticated and straightforward.
Founded by Luke Owen and Michael Kirk, we built our firm on a simple belief: lending should never feel overwhelming. Whether you're a first-home buyer, seasoned investor, business owner or high-net-worth professional, we're by your side with clarity, integrity and genuine care.
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Shannon Campbell
We originally went to our bank with our complex file and felt under appreciated when our banker didn’t want to take the time to understand our needs. We then approached Luke who took less than 24 hours to provide us with an indicative and subsequently a pre approval. Our bank said it was not possible. We felt valued, appreciated and supported. Our family was able to purchase an investment property for our future and Luke was able to make that possible. Highly recommend.
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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!
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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!
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.
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