Mortgage Broker in Preston, VIC 3072
Discover Premier Path Finance, Your Trusted Mortgage Broker in Preston, VIC 3072

Rated 5 from 17 Reviews
Discover Premier Path Finance, Your Trusted Mortgage Broker in Preston, VIC 3072
Rated 5 from 17 Reviews
Premier Path Finance stands as a trusted partner for residents in Preston, VIC 3072, offering a comprehensive range of services tailored to meet your financial needs. As a leading Finance & Mortgage Broker in the area, we specialise in helping you access loan options from banks and lenders across Australia. Whether you're buying a home, refinancing a loan, or exploring investment opportunities, our team is committed to guiding you through the process with professionalism and expertise.
Understanding the local property market is crucial when making informed decisions. At Premier Path Finance, we provide insights into the Preston market to help you make the best choices. Our mortgage brokers are well-versed in the nuances of lenders mortgage insurance (LMI), loan to value ratio (LVR), and the various loan types available, such as variable interest rate loans, fixed interest rate loans, interest only loans, and principal and interest loans. We also assist first home buyers, upgraders, and down-sizers in navigating the complexities of buying a home or investment property.
One of the key services we offer is assessing your borrowing capacity. By evaluating your financial situation, including your debt-to-income ratio, we determine the loan amount you can comfortably manage. This assessment is vital in getting pre-approved for a loan and can potentially help you access interest rate discounts. Our streamlined application process ensures that applying for a loan is as efficient as possible, saving you time and effort.
A significant aspect of our service involves helping clients with their loan application. We guide you through each step, from initial consultation to final approval. Our expertise extends to assisting with the use of home equity or cash deposits and understanding the benefits of using a guarantor. We also provide advice on how to potentially access government grants and incentives, which can be particularly beneficial for first home buyers.
Refinancing a loan is another area where our mortgage brokers excel. By conducting a thorough home loan health check, we identify opportunities for you to potentially access a better interest rate or improve your loan terms. This might involve switching from an interest only loan to a principal and interest loan or vice versa, depending on your needs. Our goal is to ensure that your mortgage aligns with your financial objectives and offers you the best possible conditions.
For those interested in investment properties, Premier Path Finance offers tailored advice on accessing suitable loan options. We understand that investing in property requires careful planning and consideration of factors such as stamp duty and tax implications. Our mortgage brokers work closely with you to develop a strategy that maximises your investment potential while minimising risks.
The importance of getting pre-approved cannot be overstated. It gives you a clear understanding of your budget and strengthens your position when negotiating with sellers. Our team assists you in obtaining loan pre-approval, ensuring you are well-prepared when making an offer on a property. We also provide guidance on choosing between variable and fixed interest rate loans, helping you decide which option best suits your financial goals.
The conclusion of this journey is just the beginning of a long-term relationship with Premier Path Finance. Our commitment to clients extends beyond the initial transaction, offering ongoing support and advice as your circumstances evolve. Whether you're looking to apply for a new loan or reassess your current mortgage, our team is here to help every step of the way.
Residents of Preston, VIC 3072 can rely on Premier Path Finance as their go-to mortgage broker. We invite you to contact us today to discuss your financial needs and explore how we can assist you in achieving your property goals. Let us help you turn your dreams into reality with expert guidance and personalised service.
“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 simple, transparent, and tailored to your needs.”
Lending Process:
Step 1: Let’s Talk
We begin with a relaxed conversation to understand your goals - whether it’s buying property, restructuring your loan, or unlocking equity. We’ll explore your financial situation and outline lending options that suit your needs. You'll also get clarity on key concepts like interest rates, loan-to-value ratio (LVR), and lenders mortgage insurance (LMI), where relevant.
Step 2: Financial Snapshot
We assess your income, expenses, assets, and liabilities to determine your borrowing capacity. This helps us tailor a strategy that aligns with your goals and highlights any eligibility for lender discounts or government schemes.
Step 3: Smart Loan Matching
Based on your financial profile and objectives, we’ll curate a shortlist of loan options from trusted lenders. Whether you're after a lower rate, flexible features, or access to equity, we’ll explain the pros and cons of each option so you can make a confident decision.
Step 4: Pre-Approval or Loan Structuring
If you're purchasing, we’ll guide you through pre-approval to strengthen your position in the market. For refinances or top-ups, we’ll structure the loan to meet your goals and prepare the necessary documentation for submission.
Step 5: Formal Approval & Settlement
Once your loan is approved, we’ll walk you through the contract, clarify the terms, and coordinate with any third parties (e.g. solicitors or lenders) to ensure a smooth transition - whether it’s settlement, refinance, or equity release.
Step 6: Ongoing Support
Our relationship doesn’t end with approval. We’ll continue to support you with loan reviews, refinancing opportunities, and future lending needs. We’re here to help ensure your loan stays competitive and aligned with your evolving goals.
At Premier Path Finance, we guide each client along a transparent, confident path to home ownership and lasting financial wellbeing. Drawing on more than 25 years of combined banking and finance experience, our award-winning team delivers mortgage strategies that are both sophisticated and straightforward.
Founded by Luke Owen and Michael Kirk, we built our firm on a simple belief: lending should never feel overwhelming. Whether you’re a first-home buyer, seasoned investor, business owner or high-net-worth professional, we’re by your side with clarity, integrity and genuine care.
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Stephen Briganti
I recently had the pleasure of working with Michael Kirk, and I cannot recommend his services highly enough. From start to finish, the entire experience was smooth, efficient, and incredibly professional. He demonstrated exceptional knowledge of the market, provided clear and timely communication, and always had my best interests in mind. Whether it was answering questions, providing updates, guiding me through the process Michael went above and beyond at every step. What really stood out was the attention to detail and genuine commitment to delivering the best outcome possible.
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Avril Southon
I recently worked with Luke to refinance my loans and couldn't be happier. He explained every step clearly and answered all my questions. I have a complex structure where I've struggled in the past with other brokers, but Luke ...
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Andrew Meissner
Mike and Luke are the ultimate professionals. They know lending with 10 years' experience helping all manners of clients, from First Home Buyers to seasoned Investors. You'll thank me later.
Mortgage brokers act as your dedicated advocate in finding the most suitable loan from our extensive network of lenders, including major banks, smaller institutions, credit unions, and alternative providers. With access to more loan products than any single lender offers, we handle all the research, comparison work, and negotiation to secure the best option for your specific needs while saving you valuable time and effort.
Yes, all our mortgage brokers hold proper accreditation and maintain active membership with the Finance Brokers Association of Australasia, ensuring they meet strict industry standards. They deliver professional, high-quality service across all types of lending solutions and participate in ongoing education to stay current with market changes and regulations.
We analyse loan products from banks, credit unions, and lenders nationwide, giving us access to thousands of options across the entire lending spectrum. This comprehensive approach, combined with our strong lender relationships, ensures we can recommend the most competitive home loan rates available to our clients and often negotiate even better terms.
The timeframe varies depending on the loan type, lender requirements, and your individual circumstances, but most standard applications are processed within 2-4 weeks from submission. We'll keep you informed at every stage of the process and work diligently to expedite your application wherever possible, including pre-approval options for faster property purchases.
Our mortgage broking services are typically free to borrowers, as we receive commission from lenders when loans settle successfully. We'll always be completely transparent about any fees that may apply and explain exactly how our remuneration works before you commit to working with us, ensuring there are no surprises along the way.
Our comprehensive lending services extend well beyond traditional home loans to include investment property loans, construction financing, vehicle loans, personal loans, business loans, and many other specialised lending products. Whatever you're looking to finance, whether it's your dream home, an investment opportunity, or a major purchase, we likely have a solution tailored to your circumstances.