Home loans, investment loans and refinancing for Montmorency residents from a team that puts your goals first
Rated 5 from 44 Reviews
If you are looking for a knowledgeable, client-focused Mortgage Broker in Montmorency, Premier Path Finance is here to help. We work with residents across Montmorency and the surrounding suburbs to secure home loans, investment loans and refinancing solutions genuinely suited to each client's circumstances. With more than 25 years of combined banking and finance experience, our team understands the Montmorency property market and what it takes to get the right loan across the line. As your Mortgage Broker in Montmorency, we are committed to clear communication and considered advice at every stage.
Taking your first step onto the property ladder in Montmorency is an exciting milestone, and having a trusted Mortgage Broker in Montmorency by your side makes a genuine difference. We take the time to understand your situation before recommending a loan structure, and we compare options from a wide panel of lenders, assessing interest rates, loan features, offset accounts and repayment flexibility. We also help eligible buyers access government grants and schemes, including first home buyer incentives that can meaningfully reduce upfront costs. Explore our dedicated guidance for first home buyers to understand what support may be available to you.
Whether you are purchasing your first home, upsizing to accommodate a growing family or downsizing into something more manageable, our Mortgage Broker in Montmorency team will find a loan structure that fits your life. We compare products across a broad lender panel, looking beyond the interest rate to assess offset accounts, redraw facilities and repayment flexibility. For buyers with a deposit below 20% of the property value, lenders mortgage insurance (LMI) may apply. However, there are strategies to reduce or avoid this cost, including the use of a guarantor or accessing an LMI waiver for eligible professionals. Learn more about our home loan services to see how we can support your purchase.
Montmorency continues to attract property investors drawn to its leafy streetscapes, strong school catchments and proximity to the Yarra Valley corridor. As your Mortgage Broker in Montmorency, we help investors structure loans that support both short-term cash flow and long-term portfolio growth. We assess your existing equity and loan-to-value ratio (LVR) to identify the most suitable lending options available to you. Whether you are purchasing your first investment property or expanding your property portfolio, we provide clear, strategic advice tailored to your investment goals. Our investment loans page outlines the full range of options we can access on your behalf.
Refinancing your existing loan can be a powerful way to reduce your interest costs, access equity or consolidate debt. As a Mortgage Broker in Montmorency, we regularly help homeowners review their current loans and identify whether a switch to a new lender or product could deliver meaningful savings. Our team conducts a thorough assessment of your current loan terms, compares them against current market offerings and presents you with clear options. Whether you want to refinance to reduce your rate or refinance to release equity for renovations or investment purposes, we manage the process from start to finish.
Stamp duty is another cost that can catch buyers off guard. Use our Stamp Duty Calculator to estimate what you may owe, and speak with our team about strategies to manage this as part of your overall purchase plan. From pre-approval through to settlement and beyond, your Mortgage Broker in Montmorency at Premier Path Finance is with you at every stage.
We also assist clients in nearby suburbs including Eltham, Greensborough, Viewbank and Diamond Creek. If you are based in Montmorency and ready to take the next step, we would love to hear from you.
Every client's journey is unique, and our process as your Mortgage Broker in Montmorency is built around your individual goals, timeline and financial position. Here is what working with Premier Path Finance looks like from start to finish.
We begin with a relaxed conversation to understand what you are looking to achieve, whether that is buying a home in Montmorency, restructuring an existing loan or unlocking equity for future plans. We will explore your financial situation and outline lending options that suit your needs, including 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 helps us tailor a lending strategy that aligns with your goals and highlights any eligibility for lender discounts or government schemes available to Montmorency residents.
Based on your financial profile and objectives, we curate a shortlist of loan options from our panel of trusted lenders. As your Mortgage Broker in Montmorency, we explain the strengths and trade-offs of each option so you can make a well-informed decision with confidence.
If you are purchasing property in Montmorency, we will 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 the necessary documentation for submission.
Once your loan is approved, we walk you through the contract, clarify the terms and coordinate with all relevant parties, including solicitors and lenders, to ensure a smooth transition to settlement, refinance or equity release.
Our relationship does not end at approval. We continue to support you with loan reviews, refinancing opportunities and future lending needs, ensuring your loan stays aligned with your evolving goals long after you have settled into your Montmorency property.
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 Montmorency, we bring genuine familiarity with the local property market, from the family homes along Para Road to the lifestyle properties backing onto Eltham bushland. We understand what drives value in this area and how lenders assess Montmorency properties across Victoria.
Drawing on more than 25 years of combined banking and finance experience, our team delivers mortgage strategies that are both sophisticated and straightforward. Founded by Luke Owen and Michael Kirk, we built Premier Path Finance on a simple belief: lending should never feel overwhelming. Whether you are a first home buyer, a seasoned investor, a business owner or a high-net-worth professional, we are by your side with clarity, integrity and genuine care.
As a dedicated Mortgage Broker in Montmorency, we work across home loans, investment loans and refinancing to find solutions that genuinely fit your circumstances. We are proud to serve clients across Montmorency and the wider Victoria region. Book a chat today and discover what a committed local finance partner can do for you.
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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.
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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