Mortgage Broker in Preston VIC
Home loans, investment loans and refinancing for Preston residents, tailored to your goals
Rated 5 from 44 Reviews
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Home loans, investment loans and refinancing for Preston residents, tailored to your goals
Rated 5 from 44 Reviews
Premier Path Finance is your trusted Mortgage Broker in Preston VIC, offering personalised finance solutions for home buyers, investors, and those looking to refinance. With access to a wide panel of banks and lenders across Australia, we work to find loan options that genuinely suit your situation rather than simply the first product that fits. Our approach is thorough, transparent, and built around your long-term financial wellbeing.
Preston is a vibrant inner-north suburb of Melbourne, with a diverse property market that attracts first home buyers, growing families, and seasoned investors alike. As a Mortgage Broker in Preston, we understand the local dynamics, from the character homes along St Georges Road to the newer apartments and townhouses emerging throughout the area. That local knowledge shapes the advice we give and the strategies we recommend.
Stepping into the Preston property market for the first time is an exciting milestone, and having the right guidance makes all the difference. As your Mortgage Broker in Preston, we walk you through every stage of the process, from understanding your borrowing power to explaining loan structures such as variable rate, fixed rate, principal and interest, and interest-only options. We also help eligible buyers access government grants and incentives, including the First Home Owner Grant and stamp duty concessions available in Victoria. Explore our first home buyer and home loans services to learn more, and use our stamp duty calculator to plan your purchase with confidence.
Whether you are purchasing your first home or upgrading to something larger, our team provides clear, considered guidance at every step. As your Mortgage Broker in Preston, we assess your financial position, explain your loan options, and help you understand key concepts such as loan-to-value ratio and lenders mortgage insurance. We compare products across a broad panel of lenders to find a structure that suits your circumstances now and into the future. Our home loans service is designed to give you clarity and confidence throughout the entire purchase process.
Preston continues to attract strong interest from property investors, thanks to its proximity to the CBD, excellent transport links, and ongoing urban renewal. As your Mortgage Broker in Preston, we help investors structure their loans effectively, whether you are purchasing your first investment property or expanding your portfolio. We take into account factors such as rental yield, tax implications, and long-term capital growth to help you make well-informed decisions. Our team also advises on interest-only loan structures and the use of equity from existing properties to fund future purchases. Learn more about our investment loans and buying your first investment property services.
If your current loan no longer reflects your financial goals, refinancing could be worth exploring. As a Mortgage Broker in Preston, we conduct a thorough review of your existing mortgage to identify whether a more suitable rate, improved loan features, or a different loan structure could work in your favour. Whether you are looking to reduce your rate, release equity for renovations or investment, or consolidate debt, we will walk you through the options with clarity and care. Our refinancing service is designed to put you back in control of your mortgage.
Premier Path Finance also works with clients in the surrounding suburbs of Northcote, Reservoir, Coburg, and Bundoora, as well as Preston itself. From pre-approval through to settlement and beyond, we are committed to being your long-term Mortgage Broker in Preston. Book a chat with our team today to discuss your goals and explore what is possible.
Every client's journey is unique, whether you are buying your first home in Preston, refinancing your existing loan, or unlocking equity for future plans. Our process as your Mortgage Broker in Preston is designed to be transparent, thorough, and tailored to your individual needs.
We begin with a relaxed conversation to understand your goals, whether that is buying property in Preston, restructuring your loan, or accessing equity. Your Mortgage Broker in Preston will explore your financial situation and outline lending options that suit your needs. We also take the time to explain 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 lending strategy that aligns with your goals and highlights any eligibility for lender discounts or government schemes available to Preston residents.
Based on your financial profile and objectives, we curate a shortlist of loan options from our panel of trusted lenders. Whether you are after a more suitable 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 Preston, 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 relevant third parties such as solicitors or lenders to ensure a smooth transition to settlement, refinance, or equity release.
Our relationship does not end at approval. As your Mortgage Broker in Preston, we continue to support you with loan reviews, refinancing opportunities, and future lending needs, ensuring your loan stays 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. As your Mortgage Broker in Preston, we bring more than 25 years of combined banking and finance experience to every conversation, delivering mortgage strategies that are both sophisticated and genuinely personal.
Founded by Luke Owen and Michael Kirk, Premier Path Finance was built on a straightforward belief: lending should never feel overwhelming. Our team has deep familiarity with the Preston property market and the surrounding inner-north suburbs of Victoria, giving us the local insight to match you with the right loan at the right time.
Whether you are a first home buyer stepping into the Preston market, a seasoned investor growing your portfolio, a business owner with complex income, or a professional seeking tailored advice, your Mortgage Broker in Preston is here with clarity, integrity, and genuine care. Book a chat with us today.
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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!
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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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