Mortgage Broker in Greensborough VIC
Home loans, investment loans and refinancing for Greensborough residents
Rated 5 from 44 Reviews
Services
Scenarios
Specialisations
Home loans, investment loans and refinancing for Greensborough residents
Rated 5 from 44 Reviews
Premier Path Finance is your dedicated Mortgage Broker in Greensborough, offering personalised lending solutions for buyers, investors, and those looking to refinance across the local area. Whether you are purchasing your first home, upgrading to something larger, or building a property portfolio, our team brings genuine knowledge and a thorough understanding of the Greensborough property market to every client conversation.
Greensborough is a well-established suburb in Melbourne's north-east, sitting within the City of Banyule and bordered by the Plenty River and Banyule Flats. The area attracts a wide range of buyers, from young families drawn to its reputable schools and parklands to professionals and investors who recognise its consistent long-term appeal. As your Mortgage Broker in Greensborough, we understand the nuances of this local market and use that knowledge to help you make well-informed decisions.
When you work with Premier Path Finance, we take the time to understand your full financial picture before recommending any loan product. We assess your equity position, loan-to-value ratio (LVR), and income structure to identify the most suitable options from our panel of banks and lenders across Australia. Whether you are weighing up a variable rate loan against a fixed rate option, or exploring interest-only versus principal and interest repayments, we will walk you through the implications of each so you can choose with confidence.
Purchasing your first home in Greensborough is a significant milestone, and having the right Mortgage Broker in Greensborough by your side can make a meaningful difference to the outcome. We work with first home buyers to identify available government grants and concessions, including stamp duty exemptions that may apply to eligible purchases. Our team takes the time to explain every step of the process, from understanding your borrowing position through to coordinating with lenders and solicitors as you approach settlement. You will always know where things stand and what comes next.
For those upgrading, downsizing, or purchasing an established home in Greensborough, our Mortgage Broker in Greensborough team structures home loans around your specific circumstances and long-term goals. We assess your existing equity, compare loan products across our lender panel, and present options that reflect both your financial position and your lifestyle priorities. From offset accounts to redraw facilities and split loan structures, we explain the features that matter most so you can make a confident, informed choice. Our team manages the application from start to finish, keeping the process moving efficiently toward settlement.
Greensborough continues to attract property investors who value its proximity to the CBD, strong rental demand, and established infrastructure. As your Mortgage Broker in Greensborough, we help investors structure their investment loans in a way that supports both short-term cash flow and long-term portfolio growth. We consider factors such as interest-only periods, offset accounts, and tax-effective loan structures, working alongside your accountant or financial adviser where appropriate. Whether you are buying your first investment property or expanding your portfolio, we bring a considered, strategic approach to every conversation.
If your current loan no longer reflects your financial goals, or the rate environment has shifted since you last reviewed your mortgage, it may be time to explore your options. Our Mortgage Broker in Greensborough team regularly helps clients refinance to access more favourable rates, consolidate debt, or release equity for renovations or further investment. We conduct a thorough review of your existing loan, compare it against current market offerings, and present you with clear, honest recommendations. The result is straightforward advice designed to put you in a stronger financial position.
Beyond home loans, investment loans, and refinancing, Premier Path Finance also assists Greensborough clients with construction loans, bridging finance, SMSF loans, and lending solutions for self-employed borrowers. Whatever your circumstances, our team is equipped to find a pathway that works for you.
We are proud to serve clients across Greensborough and the surrounding suburbs of Eltham, Montmorency, Viewbank, and Diamond Creek. If you are ready to take the next step, we invite you to book an appointment with our team and discover what a knowledgeable, client-focused Mortgage Broker in Greensborough can do for your financial future.
Every client's journey is unique, whether you are buying your first home in Greensborough, refinancing for a stronger position, or unlocking equity for future plans. Our process is transparent, thorough, and shaped around your individual needs from the very first conversation.
We begin with a relaxed conversation to understand your goals. Whether that means purchasing property in Greensborough, restructuring your existing loan, or accessing equity, we listen carefully and outline lending options that suit your situation. We also take the time to explain key concepts such as interest rates, loan-to-value ratio (LVR), and lenders mortgage insurance (LMI) where relevant.
As your Mortgage Broker in Greensborough, we assess your income, expenses, assets, and liabilities to build a clear picture of your financial position. This helps us shape a strategy aligned with your goals and identify any eligibility for lender concessions or government schemes.
Based on your financial profile and objectives, we present a shortlist of loan options from our panel of trusted lenders. Whether you are seeking a more favourable rate, flexible features, or access to equity, we explain the advantages and trade-offs of each option so you can decide with confidence.
If you are purchasing, we guide you through pre-approval to strengthen your position when making an offer. For refinances or top-ups, we structure the loan to meet your goals and prepare all necessary documentation for submission.
Once your loan is approved, we walk you through the contract, clarify the terms, and coordinate with solicitors and lenders to ensure a smooth transition, whether that is settlement, refinance, or equity release.
Our relationship does not end at approval. As your Mortgage Broker in Greensborough, we continue to support you with loan reviews, refinancing opportunities, and future lending needs, ensuring your loan stays aligned with your evolving financial goals.
Premier Path Finance was founded on a straightforward belief: every client deserves clear, honest guidance on one of the most significant financial decisions they will ever make. With more than 25 years of combined banking and finance experience, our team has helped buyers, investors, and business owners across Greensborough and Melbourne's north-east achieve their property goals.
Founded by Luke Owen and Michael Kirk, we have developed a deep familiarity with the Greensborough property market in Victoria, from the family homes along the Plenty River corridor to the investment-grade properties close to Greensborough Plaza and the local train line. As your Greensborough Mortgage Broker, we bring that local knowledge together with access to a broad panel of lenders to deliver lending strategies that are both sophisticated and genuinely suited to your situation.
Whether you are a first home buyer, a seasoned investor, a self-employed professional, or an individual with complex lending needs, we are here to provide clarity, integrity, and care at every stage of the process. We would love the opportunity to support your next move in Greensborough and beyond.
Book AppointmentI
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.
Site by Broker Studio