Home Loans
Expert home loan guidance for first home buyers, upgraders and refinancers across Melbourne and Australia
Rated 5 from 44 Reviews
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Expert home loan guidance for first home buyers, upgraders and refinancers across Melbourne and Australia
Rated 5 from 44 Reviews
At Premier Path Finance, we understand that buying a home is one of the most significant decisions you will ever make. Whether you're a first home buyer or ready to upgrade to your next property, securing the right home loan is essential. We provide access to home loan options from banks and lenders across Australia, working to find a solution that fits your financial situation and long-term goals.
Every client's circumstances are different. We take the time to understand your credit history, loan amount, and loan-to-value ratio (LVR) to identify the most suitable rate and structure for you. We also assist with pre-approval, which clarifies your position and strengthens your offer when you find the right property.
Understanding home loan rates is key to making informed decisions. Fixed rate home loans offer predictable repayments and budgeting certainty, while variable rate loans move with the market and can offer flexibility when conditions are favourable. Our team walks you through how interest rates affect your repayments and whether an offset account could reduce the overall interest you pay over the life of the loan.
Lenders Mortgage Insurance (LMI) is worth understanding early. If your deposit is below 20%, LMI may apply to protect the lender. We explain how this affects your loan amount and application, and in some cases, an LMI waiver may be available depending on your profession or circumstances.
Stamp duty is another cost to factor in when purchasing property. It varies based on the property's location and purchase price, and there may be exemptions or concessions available to you. Use our stamp duty calculator to get an estimate before you commit.
At Premier Path Finance, we're with you from the first conversation through to settlement and beyond. Whether you're exploring fixed or variable rates, weighing up refinancing options, or planning to grow your property portfolio, our team is here to provide clear, personalised guidance every step of the way.
"Every client's journey is unique - whether you're buying your first home, refinancing for a better deal, or unlocking equity for future plans. Our lending process is designed to be transparent and tailored to your needs."
We start with a relaxed conversation to understand what you're looking to achieve. Whether you're pursuing Home Loans for a first purchase, a next home, or a refinance, we'll explore your financial situation and outline the options that suit you. We'll also clarify key concepts like interest rates, loan-to-value ratio (LVR), and lenders mortgage insurance (LMI) where relevant.
We assess your income, expenses, assets, and liabilities to build a clear picture of your position. This helps us tailor a Home Loans strategy that aligns with your goals and identifies any eligibility for lender discounts or government schemes.
Based on your financial profile and objectives, we curate a shortlist of loan options from trusted lenders across Australia. Whether you're after a lower rate, flexible features, or access to equity, we'll walk you through the pros and cons of each option so you can decide with confidence.
If you're purchasing, we'll guide you through pre-approval to put you in a strong position when you find the right property. For refinances or top-ups, we'll structure the loan to meet your goals and prepare all necessary documentation for submission.
Once your loan is approved, we'll walk you through the contract, clarify the terms, and coordinate with relevant third parties such as solicitors or lenders to ensure a smooth transition - whether that's settlement, refinance, or equity release.
Our relationship doesn't end at approval. We continue to support Melbourne residents with loan reviews, refinancing opportunities, and future lending needs, ensuring your loan remains well-structured and aligned with your evolving goals.
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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!
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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