Home loans, investment loans and refinancing in Eltham backed by over 25 years of combined finance experience
Rated 5 from 44 Reviews
Eltham is one of Melbourne's most distinctive suburbs, a leafy, creative community in Victoria's north-east where period homes sit alongside contemporary builds and the Yarra Valley is practically on the doorstep. It is a suburb that attracts buyers and investors who value character, space and lifestyle. If you are looking for a Mortgage Broker in Eltham, Premier Path Finance brings genuine local knowledge and lending expertise to help you move forward with confidence.
With more than 25 years of combined banking and finance experience, our team works across the full spectrum of lending, from first home buyers purchasing in Eltham for the first time through to seasoned investors expanding their portfolios and professionals seeking a tailored finance strategy. We access loan options from a wide panel of banks and lenders across Australia, so you are never limited to a single institution's products. As your Mortgage Broker in Eltham, we work for you, not the banks.
Purchasing your first home in Eltham is an exciting milestone, and having the right guidance from the outset can make a meaningful difference to your outcome. As your Mortgage Broker in Eltham, we take the time to understand your goals, assess your financial position and identify the loan structure that suits your circumstances. We help you understand government grants and concessions available in Victoria, including stamp duty savings for eligible buyers. Our stamp duty calculator is a practical starting point for understanding your upfront costs. We also explain key concepts such as lenders mortgage insurance, loan-to-value ratios and pre-approval so you can approach the Eltham property market with clarity and confidence.
Buying a home in Eltham is a significant financial commitment, and the right loan structure can have a lasting impact on your overall position. As your Mortgage Broker in Eltham, we assess your borrowing needs and match you with a loan that genuinely fits, whether that means a variable rate for flexibility, a fixed rate for certainty, or a split arrangement that gives you both. We access home loans from a broad panel of lenders across Australia, comparing features, rates and conditions on your behalf. From pre-approval through to settlement, we keep you informed at every stage so there are no surprises along the way. We also assist with construction loans for those building or renovating in Eltham.
Eltham's property market holds consistent appeal for investors in Victoria, driven by its lifestyle credentials, proximity to Melbourne's CBD and strong owner-occupier demand. Whether you are purchasing your first investment property or expanding your property portfolio, our team can structure your investment loan to align with your broader financial strategy. We advise on principal and interest versus interest-only structures, loan-to-value ratio considerations, lenders mortgage insurance waivers and how to use existing equity to fund your next acquisition. As your Mortgage Broker in Eltham, we look at the full picture to ensure your investment lending works as hard as possible for you.
If your current home loan no longer reflects your financial situation or goals, refinancing is worth exploring. Many Eltham homeowners in Victoria find that their circumstances have shifted since they first took out their mortgage, whether through income growth, equity accumulation or simply the passage of time. As a Mortgage Broker in Eltham, we conduct a thorough review of your existing loan and compare it against current options across our lender panel. Refinancing can potentially reduce your interest rate, consolidate debt, release equity for renovations or investment, or restructure your loan to pay it down faster. We also assist self-employed borrowers and professionals with specialist lending solutions tailored to their circumstances.
Premier Path Finance works with clients across the surrounding area as well. If you are based in Diamond Creek, Montmorency, Greensborough or Bundoora, our team is equally well placed to assist with your property finance needs across this part of Victoria. For those based in Eltham, we are ready to help you take the next step.
Whether you are buying your first home in Eltham, refinancing an existing loan or unlocking equity for future plans, our process is built around your needs. As your Mortgage Broker in Eltham, we keep every step transparent and tailored to your situation.
We begin with a relaxed conversation to understand your goals, whether that is buying property in Eltham, restructuring your loan or accessing equity. We will explore your financial situation and outline lending options that suit your needs. You will also gain clarity on key concepts such as interest rates, loan-to-value ratio and lenders mortgage insurance where relevant.
We assess your income, expenses, assets and liabilities to build a clear picture of your financial position. This helps us tailor a strategy that aligns with your goals and identifies any eligibility for lender discounts or government schemes available to Eltham buyers in Victoria.
Based on your financial profile and objectives, we curate a shortlist of loan options from trusted lenders across Australia. Whether you are after a lower rate, flexible features or access to equity, we explain the pros and cons of each option so you can make a confident, informed decision. As your Mortgage Broker in Eltham, we do the legwork so you do not have to.
If you are purchasing, we guide you through pre-approval to strengthen your position in the Eltham property market. For refinances or top-ups, we structure the loan to meet your goals and prepare the necessary documentation for submission.
Once your loan is approved, we walk you through the contract, clarify the terms and coordinate with any third parties such as solicitors or lenders to ensure a smooth transition, whether it is settlement, refinance or equity release.
Our relationship does not end at approval. As your Mortgage Broker in Eltham, we continue to support you with loan reviews, refinancing opportunities and future lending needs, ensuring your loan stays aligned with your evolving goals in Victoria's property market.
At Premier Path Finance, we guide each client along a transparent, confident path to home ownership and lasting financial wellbeing. As your Mortgage Broker in Eltham, we bring genuine familiarity with the local property market, from the character homes along the Diamond Creek corridor to the newer estates and lifestyle properties that make this part of Victoria so sought after.
Founded by Luke Owen and Michael Kirk, our team draws on more than 25 years of combined banking and finance experience to deliver mortgage strategies that are both sophisticated and clear. We built Premier Path Finance on a straightforward belief: lending should feel empowering, not overwhelming. Whether you are a first home buyer in Eltham, a seasoned investor, a business owner or a professional with complex lending needs, we are by your side with integrity, clarity and genuine care. Speak with your Eltham Mortgage Broker today and take the first step toward a loan that truly works for you.
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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!
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.
Common documents include:
• Identification
• Payslips or tax returns
• Bank statements
• Details of existing debts
• Evidence of savings
Don't worry, we'll provide a checklist and guide you through the process.
Yes.
We work with lenders who understand self-employed borrowers, business owners and contractors.
Whether you have standard financial statements or require alternative documentation, we'll help find a suitable solution.
Absolutely.
Contractors and self-employed applicants often have different requirements, but there are many lenders that offer flexible lending options.
We'll do the hard work and find a lender that understands your income structure.
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.
Yes.
Many borrowers switch lenders to access lower interest rates, better features or improved service.
We'll compare options and manage the transition to make the process easy and hassle-free.
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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