We invest time in understanding your financial objectives, helping to minimise fees, avoid unnecessary Lenders Mortgage Insurance (LMI), and offer precise repayment plans with features like offset accounts. Best of all, our service is completely free. Many lenders also provide special deals for first-home buyers or individuals with specific savings plans, offering additional opportunities to save.
Whether you’re buying your first home or investing in commercial property, AxJ Finance delivers mortgage options with competitive interest rates. Our focus is on addressing your immediate financial needs while helping you achieve your long-term goals.
Securing the right home loan in Carlton doesn’t have to be stressful. With access to over 40 lenders and a multitude of loan options, we pair you with the loan that best suits your needs. Whether you’re purchasing a home or investing, our technology links directly to banks, providing you with the top deals minus the hassle.
Benefit from our extensive network of leading lenders, offering hundreds of mortgage products and a smooth application process with our expert mortgage brokers in Carlton. From first-home buyer loans to investment property loans and SMSF loans, we have mortgage solutions to meet all your needs.
Don’t wait until you’ve found your dream home to consult with a broker. Seeking expert advice early on helps you understand your borrowing capacity and address potential issues before they become roadblocks, ensuring you’re fully prepared when the right property comes along.
Starting early also allows you to improve your financial standing, whether that means reducing debts, increasing savings, or enhancing your credit score before making your final application. This can significantly increase your borrowing power and help avoid unnecessary delays.
Carlton’s property market offers excellent opportunities, especially in the outer suburbs. However, knowing which areas to avoid (such as those with oversupply) is crucial, as lenders view these as higher risk and may require larger deposits.
Partnering with a local Carlton mortgage broker ensures you receive expert, tailored advice. We help you secure competitive repayments, beneficial loan features, and monitor interest rate changes to ensure you always get the best deal. By working with a broker, you can also gain insights into emerging suburbs where property values are expected to rise, potentially increasing your investment’s long-term return. Read More
At AxJ Finance Brokers, we’ve streamlined the loan process to keep you focused on your financial goals. Here’s how we do it:
Credit Card Management for Loan Approval
Credit cards can influence your home loan approval, but effective management can reduce their impact. Pay bills on time, lower credit limits, or consolidate cards to enhance your borrowing capacity.
Our experts will assist you in optimising your credit profile, improving your loan application for better approval chances and more favourable rates. It’s also advisable to close any unused credit cards before applying, as this can boost your creditworthiness in the lender’s eyes. Understanding how lenders assess credit card debt in your borrowing capacity is key to maximising your approval amount.
Managing Credit Scores and Property Valuations
Low property valuations or credit scores can complicate the loan process. We address these issues early on, ordering free valuations and limiting unnecessary credit checks to protect your credit score and strengthen your application.
A good credit score can also enhance your negotiating power with lenders, possibly securing lower rates or more flexible loan terms. Minimising credit inquiries while applying is critical to avoiding any red flags.
Beyond Interest Rates: Choosing the Right Loan Features
While finding the lowest interest rate is essential, loan features are equally important. Offset accounts, redraw facilities, and extra repayments can save you thousands over the life of the loan. Sometimes, a slightly higher rate could be more cost-effective if it includes the right features.
Comparing the Latest Options
We simplify the process by comparing the latest options from over 40 lenders. We’ll help you find the right balance of interest rates and features to align with your financial goals. Remember, features like splitting your loan between fixed and variable rates can offer both stability and flexibility, allowing you to benefit from changing market conditions.
LMI is a cost paid by the borrower to protect the lender. Avoid this expense by saving a larger deposit or lowering your Loan to Value Ratio (LVR) to below 80%.
We’ll guide you through strategies to reduce or avoid LMI costs. If saving 20% isn’t feasible, we’ll explain how LMI can help you enter the market sooner and how to manage the costs effectively. Additionally, some lenders offer limited-time LMI exemptions for certain professionals or buyers in specific areas, so it’s worth exploring these options with your broker.
Each lender has unique credit policies that can affect your loan approval. At AxJ Finance Brokers, we ensure your application is perfectly aligned with lender requirements, reducing delays and improving your chances of success.
Understanding the finer points of bank policies, such as how different lenders treat casual or freelance income, can be crucial for non-traditional earners. Our knowledge of specific lender preferences ensures your application meets their criteria, saving you time and frustration.
A great mortgage broker does more than find you a loan—they simplify the process, provide personalised advice, and prioritise your needs. At AxJ Finance Brokers, we go above and beyond by understanding your financial situation and offering tailored loan options.
From pre-approval to settlement, we guide you every step of the way, ensuring you secure the best deal now and in the future. And after settlement, a good broker continues to monitor your loan, looking for opportunities to refinance and save money as market conditions evolve.
An experienced mortgage broker makes all the difference. They understand bank policies, navigate complex applications, and have the right connections to expedite the process.
At AxJ Finance Brokers, our brokers bring years of experience in the Carlton market, ensuring that your loan application is positioned for success. Many of our brokers own property themselves, providing personal insight into the process. Additionally, our industry contacts can help speed up approvals, and we know how to present your application to meet specific lender criteria, even in challenging cases.
Selecting the right broker starts with research. Look for positive reviews, informative content, and market expertise. Our brokers deliver customised, trust-driven advice—never one-size-fits-all solutions.
When evaluating brokers, ask about their lender panel—more lenders mean more choices for you. Ensure your broker is accredited by the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA), as this guarantees they meet professional standards.
We start by getting to know you—your financial goals, current situation, and what you’re looking to achieve.
We compare loan options from more than 40 lenders to make sure you get the best deal possible.
Once you’ve chosen the right loan, we handle all the paperwork and guide you through the application process step by step.
We stay by your side throughout approval and settlement, working closely with solicitors and agents to make sure everything runs smoothly.
Even after settlement, we keep working for you by reviewing your loan regularly, ensuring you’re always on the best possible terms.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
At AxJ Finance Brokers, we believe that everyone deserves a smooth, stress-free experience when securing a home loan. As a trusted home loan broker in Melbourne, our expert knowledge and proactive approach make the entire process simple for you.
Led by Jason, a highly experienced principal mortgage broker in Melbourne, our team ensures that you get the best mortgage advice and options available.
We tailor each loan to match your specific needs, whether you’re buying your first home, refinancing, or investing.
We connect you with over 40 trusted lenders, including major banks and specialised institutions, giving you the best options available from leading finance brokers in Melbourne. effective.
From initial consultation to settlement, we keep everything clear and straightforward so you always know what’s happening.
Our service doesn’t stop at settlement—we regularly review your loan to keep you on the most competitive rate.
As Melbourne mortgage brokers, we understand the city’s property market and can guide you to the best options for your situation.
Our services are entirely free for you. We receive a commission from the lender after your loan is settled, and all fees are fully disclosed upfront to ensure transparency.
No, we offer flexible options for meetings, including phone calls, video calls, or emails, making the process convenient wherever you are—even overseas.
We provide mortgage and refinancing services throughout Carlton, including the CBD and surrounding suburbs. No matter where you are in the Carlton metropolitan area, we’re here to assist with your home loan needs.
Your borrowing capacity depends on factors such as your income, credit score, and existing debts. During your consultation, we’ll evaluate your financial situation and provide a clear estimate of how much you can borrow.
We typically secure your pre-approval within two business days, depending on your personal situation and the lender’s requirements.
After pre-approval, the loan approval process generally takes 1 to 2 weeks, depending on the complexity of your application and the lender’s requirements.
Even if you’ve consulted with your bank, it’s worthwhile speaking to a mortgage broker. We compare your bank’s offer with other lenders to ensure you’re getting the best deal available—often finding better rates or more flexible terms.
Absolutely. We specialise in helping self-employed individuals secure home loans. We’ll assist you in gathering the necessary financial documents and find lenders that understand self-employment.
Yes, we work with lenders that offer loan products for those with less-than-perfect credit. We’ll evaluate your situation and find the best available options tailored to your needs.
Yes, we can assist you even if you’re purchasing property internationally. We provide flexible services to guide you through the loan process, no matter where you are.
A mortgage broker gives you access to loans and rates that banks may not offer directly. At AxJ Finance Brokers, we compare hundreds of loans from over 40 lenders to save you money on fees and lower your monthly repayments.
Yes, refinancing when interest rates drop can reduce your monthly repayments. We’ll assess your situation to determine if refinancing is the right choice and guide you through the process.
Yes, at AxJ Finance Brokers, we provide continuous support even after your loan has been settled. We regularly review your loan to ensure it remains competitive and help with any adjustments, such as refinancing or switching products.
We recommend reviewing your mortgage at least once a year to ensure you’re still getting the best rate. At AxJ Finance Brokers, we offer free annual loan reviews to help you stay on top of your financial situation.
If your financial situation changes, we’re here to assist you. We can help adjust your loan by refinancing, switching loan types, or modifying your repayment terms to better suit your new financial circumstances.
To begin, we’ll need basic details such as your income, expenses, assets, debts, and the type of property you’re looking to buy. Our team will guide you through every step and help gather the necessary information.
Booking an appointment with us is easy. You can schedule a free consultation online or call us at 1300 048 4390. We offer flexible options seven days a week to suit your availability.
We collaborate with a wide selection of banks to provide you with a variety of mortgage options tailored to your unique needs. By engaging with different lenders, we ensure you have access to competitive rates and flexible terms, helping you discover the ideal home loan. Our thorough comparisons and expert guidance streamline the process, making it simpler for you to secure the best possible deal.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
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AxJ Finance Brokers, a trusted mortgage broker in Melbourne, specialises in providing personalised loan solutions to help you navigate the dynamic property market with ease. Led by principal broker Jason, our team is dedicated to delivering tailored, responsive, and proactive mortgage services, ensuring your financial journey is smooth and successful.
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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.
All finance applications and variations are subject to lenders terms and conditions. Fees and charges and eligibility criteria apply.
Mortgage brokers in Melbourne and surrounding areas, guiding your financial journey seamlessly.
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A J Squared Trust t/as AxJ Finance Brokers
ABN 36 875 784 774
Australian Credit Licence 550893
