Home Loans

Smarter Home Loans for Melbourne Buyers

We focus on clear advice, tailored solutions, and real support — so borrowing feels simple, not overwhelming. Whether you’re buying your first home, refinancing, or building your property portfolio, we guide you every step of the way.

In just 60 seconds, check interest rates and understand how much you could save or spend on what matters most to you.

Talk with a local mortgage broker servicing all suburbs across Melbourne and regional Victoria.

We find the right home loan for your situation

Find competitive options among the best home loans, whether you’re a first-home buyer, upgrader, or investor.

Refinancing

Lower your repayments, unlock equity, or restructure your loan with expert home refinance and refinance mortgage broker support.

Bridging loans

Need to buy before you sell? Our bridging loans provide short-term finance to keep your property plans moving without pressure.

Our Panel of Lenders

We partner with Australia’s trusted lenders to give you a broader choice, competitive rates, and smarter loan structures, helping you secure the right loan faster and with more clarity.

Compare Home Loan Solutions from Multiple Banks

We take time to understand your financial position, future plans, and risk profile—then structure loan solutions that support both immediate needs and long-term wealth goals. Our expertise in bridging loan finance and home mortgage refinance ensures you receive clear, strategic advice at every step.

As a trusted refinance mortgage broker and home loan specialist, we handle the complexity of paperwork, lender negotiations, and approvals so you can focus on moving forward with certainty. Our success is built on lasting client relationships, not quick transactions.

Why Settle for One Bank When You Can Compare Many?

5 Star Reviews

Trusted by Melbourne borrowers for better loan advice and better results.

Multiple Loan Products

Access a wide range of tailored home loans, refinance, and bridging loan options to suit every financial need.

25 Years of Experience

Backed by decades of home finance experience, helping you make confident borrowing decisions.

Meet Our Team

Luke and Michael bring over 25 years of banking and financial services experience. Their expertise spans residential lending solutions: property acquisitions, refinancing, equity release, construction finance and loan restructuring. Every relationship is built on trust, open communication and a commitment to delivering results.

Luke Owen

Finance & Mortgage Broker

Luke@premierpath.com.au
0415 939 213

Michael Kirk

Finance & Mortgage Broker

Michael@premierpath.com.au
0413 876 419

Real five-star reviews, real savings - trusted by clients.

CB

C B

Michael Kirk was an absolute pleasure to work with. He made the whole process easy and straightforward, explaining everything clearly and in simple terms. His communication was excellent- always quick to respond, easy to reach, and genuinely personal in his approach. Michael was efficient, professional, and went out of his way to make sure everything ran smoothly. Highly recommend him to anyone looking for an stress-free financial experience! We will never use anyone else

AK

Ammata Kittikhoun

Micheal has been great with our equity release. His no fuss but detailed approach made all the sucess. Will definitely use Premier Path again for future gearing need in our Family Trust.

FD

Fiona Dowler

We have been dealing with Luke for a few years now he is very Professional and knowledgeable. Excellent with Communication always letting you know what is happening giving the right advice. I would not hesitate to recommend Luke he has worked very hard for us directing us in the most favorable way.

Frequently Asked Questions

What are the benefits of using a mortgage broker?

Mortgage brokers act as your dedicated advocate in finding the most suitable loan from our extensive network of lenders, including major banks, smaller institutions, credit unions, and alternative providers. With access to more loan products than any single lender offers, we handle all the research, comparison work, and negotiation to secure the best option for your specific needs while saving you valuable time and effort.

Are your mortgage brokers properly qualified?

Yes, all our mortgage brokers hold proper accreditation and maintain active membership with the Finance Brokers Association of Australasia, ensuring they meet strict industry standards. They deliver professional, high-quality service across all types of lending solutions and participate in ongoing education to stay current with market changes and regulations.

What interest rates are available through your service?

We analyse loan products from banks, credit unions, and lenders nationwide, giving us access to thousands of options across the entire lending spectrum. This comprehensive approach, combined with our strong lender relationships, ensures we can recommend the most competitive home loan rates available to our clients and often negotiate even better terms.

How long does the loan application process take?

The timeframe varies depending on the loan type, lender requirements, and your individual circumstances, but most standard applications are processed within 2-4 weeks from submission. We'll keep you informed at every stage of the process and work diligently to expedite your application wherever possible, including pre-approval options for faster property purchases.

How much does your mortgage broking service cost?

Our mortgage broking services are typically free to borrowers, as we receive commission from lenders when loans settle successfully. We'll always be completely transparent about any fees that may apply and explain exactly how our remuneration works before you commit to working with us, ensuring there are no surprises along the way.

What types of loans do you assist with?

Our comprehensive lending services extend well beyond traditional home loans to include investment property loans, construction financing, vehicle loans, personal loans, business loans, and many other specialised lending products. Whatever you're looking to finance, whether it's your dream home, an investment opportunity, or a major purchase, we likely have a solution tailored to your circumstances.

Disclaimer

Premier Path Finance Pty Ltd ABN: 69 684 858 802. Credit Representative #570775 is authorised under Australian Credit License #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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