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Find the right loan fast with AxJ Finance Brokers, Mont Albert’s reliable, mortgage broker. With over 25 years of experience, we offer personalised, client-focused services to help you buy or invest in property. Our dedicated team works closely with over 40 lenders to provide competitive rates and seamless financing solutions—without any extra charges for our services.
Don’t wait until you’ve found the perfect home to speak with a broker. Getting expert advice early helps you understand your borrowing capacity and address any potential issues before they arise, so you’re prepared when the right property comes along.
The Mont Albert property market offers great opportunities, particularly in the outer suburbs. But knowing which areas to avoid (like those with oversupply) is key, as lenders see these as higher risk and may require larger deposits.
Working with a local Mont Albert mortgage broker ensures expert, tailored advice. We help you secure competitive repayments, useful loan features, and track interest rate changes to guarantee you always have the best deal. By partnering with a broker, you can also gain insights into up-and-coming suburbs where property values are projected to grow, which could increase the long-term return on your investment.
Looking for the right home loan in Mont Albert shouldn’t be stressful. With access to over 40 lenders and hundreds of loan options, we match you with the perfect loan for your needs. Whether buying a home or investing, our technology directly connects to banks, offering you the best deals without the hassle.
Access an extensive network of leading lenders, hundreds of mortgage products, and seamless applications with our expert mortgage brokers in Mont Albert. From first-home buyer loans and investment property loans to SMSF loans, we cover all your mortgage needs. Whether you’re purchasing your first home or investing in commercial property, We offer mortgage solutions with leading interest rates. We focus on meeting your current financial needs while helping you achieve your long-term financial goals.
No more paying excessive interest—our brokers secure leading rates and favourable loan terms. With Axton Finance, you’ll receive bespoke mortgage solutions and expert assistance from our Mont Albert mortgage brokers.
We understand that every client has unique financial goals, and we’re here to provide customised mortgage solutions that suit your specific situation. Explore our range of services designed to help you achieve financial success.
With years of expertise in the mortgage industry, we offer a comprehensive solution for all your home loan needs. From refinancing to investment loans, our team is committed to delivering personalised service and expert advice.
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Refinancing options for Self-Managed Super Funds, helping you make the most of your retirement investments.
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Whether you’re growing your property portfolio or just getting started, our investment loan solutions maximise your investment potential.
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Ideal for retirees, reverse mortgages let you access the equity in your home without selling it, offering financial flexibility in retirement.
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We help you manage and consolidate your tax debts, offering a solution that eases financial strain and improves cash flow.
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If you’re struggling to save a large deposit, our low-deposit home loan options can help you secure a property with less upfront cost.
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Need to buy and sell a property at the same time? Our bridging loans make the transition smoother, covering the gap between buying and selling.
View MoreCredit cards can impact your home loan approval, but smart management can minimise the effect. Pay bills on time, reduce credit limits, or consolidate cards to improve your borrowing capacity.
Our experts will help you optimise your credit profile, enhancing your loan application for better approval chances and more favourable rates. It’s also essential to consider closing unused credit cards before applying, as this can boost your creditworthiness in the eyes of the lender. Understanding how lenders calculate credit card debt in your borrowing capacity is another key to maximising your approval amount.
Low property valuations or credit scores can complicate the loan process. We tackle these issues upfront, ordering free valuations and minimising unnecessary credit checks to protect your credit score and strengthen your application.
Having a good credit score can also improve your negotiating power with lenders, potentially securing you lower rates or more flexible loan terms. Keeping your credit inquiries to a minimum while you’re in the process of applying is critical to avoiding any red flags.
Finding the lowest interest rate is important, but loan features matter too. Offset accounts, redraw facilities, and extra repayments can save you thousands over the loan’s lifetime. Even a slightly higher rate might end up cheaper if it comes with the right features.
We simplify the process by comparing the latest options from 40+ lenders. We’ll help you find the right balance of interest rates and features to suit your financial goals. Remember, features like the ability to split your loan between fixed and variable rates can provide both stability and flexibility, allowing you to take advantage of changing market conditions.
Lenders Mortgage Insurance (LMI) is paid by the borrower but protects the lender. Avoid this cost by saving a larger deposit or reducing your Loan to Value Ratio (LVR) to under 80%.
We’ll guide you through strategies to reduce or avoid LMI costs. If saving 20% isn’t practical, 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 exemptions from LMI for certain professionals or for buyers in specific areas, so it’s worth exploring these options with your broker.
Each lender has unique credit policies that can impact your loan approval. At AxJ Finance Brokers, we ensure your application is perfectly aligned with lender requirements, reducing delays and boosting your chances of success.
Understanding the finer details of bank policies, such as how different lenders treat casual or freelance income, can also be a game-changer for non-traditional earners. Our knowledge of specific lender preferences ensures your application fits seamlessly into their criteria, saving you time and frustration.
A great mortgage broker doesn’t just find you a loan—they simplify the process, provide personalised advice, and focus on your needs. At AxJ Finance Brokers, we go the extra mile by understanding your financial situation and offering tailored loan options.
From pre-approval to settlement, we’ll guide you every step of the way, ensuring you get the best deal now and in the future. And post-settlement, a good broker will continue to monitor your loan to check for opportunities to refinance and save money as market conditions change.
An experienced mortgage broker makes all the difference. They understand bank policies, navigate complex applications, and have the right connections to speed up the process.
At AxJ Finance Brokers, our brokers have years of experience in the Mont Albert market, ensuring that your loan application is positioned for success. Many of our brokers own property themselves, giving them personal insight into the process. Additionally, our network of contacts in the industry can help expedite approvals, and we know how to present your application in a way that meets specific lender criteria, even for more challenging cases.
Choosing the right broker begins with research. Look for positive reviews, informative content, and market expertise. Our brokers provide customised, trust-driven advice—not one-size-fits-all solutions.
When assessing brokers, ask about their lender panel—more lenders mean more options for you. Make sure 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.
Submit your personal and property information to start your loan application.
After reviewing your application, we’ll present the best loan options from our trusted lenders, typically within two business days.
Once your loan is approved, funds can be transferred to your account within three days.
At AxJ Finance Brokers, we don’t just offer loans; we focus on building strong, long-term relationships by offering continued support and expert guidance. Here’s why Mont Albert homeowners trust us:
We know the ins and outs of Mont Albert’s property market and provide tailored advice based on your specific needs.
We compare a wide range of loan products from major banks and specialised lenders to secure the best deal for you.
Our services come at no cost to you. We are paid by the lender after your loan is settled, and we disclose all fees upfront to ensure complete transparency.
We offer flexible meeting times to suit your schedule, whether you’re in Mont Albert or overseas. Virtual meetings are available for added convenience.
We don’t disappear after your loan is settled. We regularly review your loan to ensure you always have the most competitive rate and provide continuous support as your financial situation changes.
As fully accredited and endorsed by the Mortgage & Finance Association of Australia (MFAA), we uphold the highest standards in the industry.
Our dedication to helping you achieve your financial goals has earned us industry recognition and multiple awards.
Our services are completely free for you. We are paid a commission by the lender after your loan is settled, and all fees are fully disclosed upfront to ensure transparency.
No, you can meet with us virtually through phone calls, video calls, or emails. We offer flexible options to make the process as convenient as possible, wherever you are—even overseas.
We provide mortgage and refinancing services across Mont Albert, including the CBD and all surrounding suburbs. No matter where you are in the Mont Albert metropolitan area, we’re here to help with your home loan needs.
Your borrowing capacity depends on several factors such as your income, credit score, and existing debts. During your consultation, we’ll assess your financial situation and give you a clear estimate of how much you can borrow.
We can typically secure your pre-approval within two business days, depending on your personal situation and the lender’s requirements.
Once you’re pre-approved, the entire loan approval process usually takes between 1 to 2 weeks, depending on how complex your application is and the lender’s requirements.
Even if you’ve already consulted with your bank, it’s worth speaking to a mortgage broker. We’ll 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 people 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 review your loan regularly to ensure it stays competitive and help with any adjustments, such as refinancing or switching products.
We recommend reviewing your mortgage at least once a year to make sure 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 adjusting 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. Don’t worry—our team will guide you through every step and help gather the necessary information.
Scheduling an appointment with us is simple. You can book a free consultation online or by calling us at 130 048 4390, with flexible options available 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.
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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
