Home loans, investment loans and refinancing tailored to your goals by a trusted Melbourne mortgage broker
Rated 5 from 44 Reviews
If you are looking for a Mortgage Broker in Melbourne, Premier Path Finance offers personalised, knowledgeable guidance across every stage of your property journey. With a thorough understanding of the Melbourne property market and access to a wide panel of lenders, we help you find a loan that genuinely fits your financial situation and your long-term plans.
Whether you are purchasing your first home, upgrading, downsizing, or building a portfolio, our team works closely with you to understand your goals and match you with the right loan structure. As your Mortgage Broker in Melbourne, we compare options across banks, credit unions, and specialist lenders so you have a clear and complete picture of what is available.
Purchasing your first home in Melbourne is one of the most significant financial decisions you will make, and having the right support makes all the difference. As your Mortgage Broker in Melbourne, we take the time to understand your full circumstances including your income, deposit, existing commitments, and long-term goals before recommending any loan. We walk you through key concepts such as loan-to-value ratio (LVR), lenders mortgage insurance (LMI), and how a guarantor arrangement could strengthen your application. Our first home buyer service also covers stamp duty obligations and eligibility for government grants, so you can approach the process with confidence.
We structure Melbourne home loans that work for your life now and into the future. From variable rate loans and fixed rate loans to split loans and offset accounts, we help you choose the features that suit your situation.
Whether you are upgrading your home, downsizing, or purchasing a new property, the right home loan structure can have a lasting impact on your financial position. As your Mortgage Broker in Melbourne, we assess your income, assets, and existing commitments before presenting options that genuinely align with your goals. We explain the differences between variable, fixed, and split loan structures so you can make an informed decision with clarity.
Our Melbourne home loan service covers the full application process from initial assessment through to settlement. We coordinate with lenders on your behalf, manage documentation, and keep you informed at every stage so nothing comes as a surprise.
Melbourne remains one of Australia's most active property investment markets, and the right loan structure is critical to building long-term wealth. As your Mortgage Broker in Melbourne, we assess your full financial picture including existing equity, rental income potential, and debt-to-income ratios to recommend investment loan structures that support your strategy.
Whether you are buying your first investment property or expanding an existing portfolio, we identify lenders whose policies align with your objectives. Interest-only loans, principal and interest structures, and portfolio lending are all options we explore on your behalf. Our approach is grounded in a thorough understanding of how lenders assess investor applications in the current environment.
Refinancing your existing mortgage can unlock meaningful savings or free up equity for your next move. As your Mortgage Broker in Melbourne, we conduct a thorough review of your current loan including your rate, features, and remaining term before recommending whether refinancing makes sense for your situation.
We compare options across our lender panel and identify opportunities to reduce your interest rate, consolidate debt, or release equity for renovations or further investment. For those considering a property purchase while still holding an existing home, we also advise on bridging loans to manage the transition with confidence. Our Melbourne refinancing service is designed to ensure your loan continues to work as hard as you do.
At Premier Path Finance, our Mortgage Broker in Melbourne service is built on transparency, integrity, and a genuine commitment to your financial wellbeing. We are here to help you make informed decisions not just at settlement, but throughout the life of your loan.
We also work with clients in Essendon, Richmond, Hawthorn, and Brunswick, as well as across Melbourne more broadly.
Every client's journey is unique. Whether you are working with a Mortgage Broker in Melbourne for the first time, refinancing an existing loan, or unlocking equity for future plans, our process is transparent, thorough, and tailored to your needs.
We begin with a relaxed conversation to understand your goals. As your Mortgage Broker in Melbourne, we explore your financial situation and outline lending options that suit your needs, whether that is buying property, restructuring your loan, or unlocking equity. You will gain clarity on key concepts such as 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 financial position. This allows us to tailor a strategy aligned with your goals and identify any eligibility for lender discounts or government schemes available to Melbourne buyers.
Based on your financial profile and objectives, we curate a shortlist of loan options from our panel of trusted lenders. Whether you are seeking a lower rate, flexible features, or access to equity, we explain the advantages and considerations of each option so you can make a confident, informed decision.
If you are purchasing in Melbourne, we guide you through pre-approval to strengthen your position before you make 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 relevant third parties such as solicitors or lenders to ensure a smooth settlement, refinance, or equity release.
Our relationship does not end at approval. As your Mortgage Broker in Melbourne, we continue to support you with loan reviews, refinancing opportunities, and future lending needs, ensuring your loan stays aligned with your evolving goals.
Premier Path Finance is a trusted Mortgage Broker in Melbourne with a genuine understanding of the local property market across Victoria. Founded by Luke Owen and Michael Kirk, our team brings more than 25 years of combined banking and finance experience to every client relationship.
As your Mortgage Broker in Melbourne, we work with first home buyers, seasoned investors, business owners, and professionals across the city and its surrounding suburbs. We know Melbourne's property landscape, from inner-city apartments to suburban family homes and investment properties across Victoria, and we use that knowledge to help you secure a loan structure that supports your long-term financial goals.
Our approach is built on clarity, integrity, and genuine care for every client we work with. Whether you are taking your first step onto the property ladder or refining an established portfolio, we are here to make the process feel manageable and well-informed. Book a chat today and take the next step with confidence.
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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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