AXTON Finance - Professional Mortgage Brokers

AXTON Finance - Professional Mortgage Brokers AXTON Finance is a team of highly awarded and professional mortgage brokers. AXTON Finance are award winning licensed mortgage brokers located in Hawthorn VIC.

Our services include mortgage broking for home and investment loans for owner occupiers, investment properties, refinancing, private banking solutions, Australian expat lending, renovation and construction loans, first home buyers, commercial property loans, development loans, self-managed super funds (SMSF), debt consolidation. We service clients from Hawthorn East, Glen Iris, Camberwell, Malvern

, Malvern East, Ashburton, Surrey Hills, Mont Albert, Canterbury, Balwyn, Kew, Richmond, Kooyong, Toorak, Prahran and surrounding areas. Access to over 30 major banks and lenders. Contact us if you are looking for one of Melbourne’s best experienced mortgage brokers.

03/09/2026

Thinking about building a granny flat in Melbourne? 🏡 Planning rules just got simpler, now the question is funding. There are three main options when it comes to funding the build as there is equity release, a construction loan, or a personal loan/line of credit.

The right fit depends on your equity, existing loan and goals.

Chat to AXTON Finance on 03 9939 7576 | [email protected]

General information only, not financial advice.

03/09/2026

Thinking about debt recycling? The strategy is only as strong as the loan sitting underneath it.

Most split loans can do the job, but rebalancing means paperwork, valuations, and waiting around. There's a smarter setup for this: one approved limit, split into accounts you control, so you can shuffle things around without starting from scratch. Less cost, less hassle, and cleaner lines between what's deductible and what's not.

Not many lenders have this product option though, so it's worth chatting to us to discuss the right loan structure as this is the foundation of a debt recycling strategy. Speak to the team at AXTON Finance. Contact us on 1300 706 540 or email [email protected]

General info only, not financial or tax advice - always check in with your accountant or financial planner first.

Melbourne’s auction clearance rate is up, but that doesn’t mean every Melbourne property is suddenly harder to negotiate...
01/09/2026

Melbourne’s auction clearance rate is up, but that doesn’t mean every Melbourne property is suddenly harder to negotiate on.

It depends heavily on price bracket, property type and location. Agents have reported that properties under $1 million are moving well, while anything above $1.5 million remains considerably slower. Cotality data backs this up – the lowest 25% of the market fell just 1.2% over the quarter to July, while the top 25% dropped 4.6%, more than three times the rate.

A well-presented house in a tightly held suburb might attract a crowd and sell well above reserve. A property at the upper end of the market could still sell with minimal competition, or pass in altogether. Before bidding, look at recent comparable sales, days on market and how much similar stock is currently available.

This post is general information only and does not constitute financial or tax advice. We recommend seeking advice from a qualified accountant and financial planner before making any decisions.



Not sure how your target suburb is tracking? Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

Huge congratulations to this gorgeous couple on settling into their very first home. Our broker Joyce made the whole jou...
01/09/2026

Huge congratulations to this gorgeous couple on settling into their very first home. Our broker Joyce made the whole journey feel easy and loves working side by side with first time buyers to help them achieve their goals.

Thinking about buying your first home? The team at AXTON Finance and here to help, reach out to us today.

Melbourne recently recorded its strongest preliminary auction clearance rate since February, with 63% of properties clea...
30/08/2026

Melbourne recently recorded its strongest preliminary auction clearance rate since February, with 63% of properties clearing on the weekend of 10 August, according to Domain. That put it well ahead of Sydney at 49%, Adelaide at 51%, Canberra at 44% and Brisbane at 26%.

It’s a strong result, but not necessarily evidence of a broader turnaround. Cotality’s Home Value Index showed Melbourne’s median dwelling value fell 3.4% over the quarter to July – the second-largest fall of any capital, behind Sydney. And Melbourne’s prices are considerably lower than Sydney’s median of $1,244,617.

That comparative affordability is one of the factors behind the clearance rate – the other is stock. According to Cotality, there was a slowdown in the flow of new listings nationally in recent weeks as potential vendors assess a weak market and choose to wait rather than sell into it. Total home listings sat 1.1% below the five-year average by the end of July.

Lower stock coming through means the properties that do go to auction are often the more appealing ones, and agents are being more selective about what they list.

That combination – solid buyer demand meeting a smaller flow of new listings – is enough to lift clearance rates without reflecting a broad shift in prices.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant and solicitor before making any decisions.



Wondering what this means for your next move? Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

A 20% deposit doesn’t necessarily mean you have enough to buy an investment property. The deposit is only one part of th...
27/08/2026

A 20% deposit doesn’t necessarily mean you have enough to buy an investment property. The deposit is only one part of the upfront cost.

Melbourne investors also need to allow for Victorian land transfer duty, commonly known as stamp duty, along with conveyancing, inspections and other purchasing costs.

For investment properties valued between $130,000 and $960,000, Victoria’s current general land transfer duty rate is $2,870 plus 6% of the value above $130,000. That can add tens of thousands of dollars to the amount you need available.

You’ll also generally want to retain an appropriate cash buffer rather than putting every available dollar into the purchase.

So when working out whether you’re ready to invest, the more useful question is often: how much do I need in total?

This post is general information only and does not constitute financial or tax advice. We recommend seeking advice from a qualified accountant and financial planner before making any decisions.



AXTON Finance can help you calculate the deposit, purchasing costs and finance requirements before you commit. Contact us on 03 9939 7576 or email [email protected].

If you already own a home in Melbourne, you may not need a six-figure cash deposit to buy an investment property. You ma...
25/08/2026

If you already own a home in Melbourne, you may not need a six-figure cash deposit to buy an investment property.

You may be able to use some of the equity you have built up in your existing property to help fund the deposit and purchasing costs on an investment.

Equity is the difference between your property’s current value and what you still owe on it. For homeowners whose properties have grown in value since they bought, accessing usable equity can make investing possible sooner than saving another large cash deposit from scratch.

How much you can actually access depends on your property’s valuation, existing debt, income, expenses and the lender’s requirements.

It's not a guaranteed shortcut, and it's worth working through with a broker before assuming it's an option. But for many established homeowners, it can change the timeline on when investing actually becomes realistic.

This post is general information only and does not constitute financial or tax advice. We recommend seeking advice from a qualified accountant and financial planner before making any decisions.



Curious what equity you could access? Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

Thinking about buying an investment property in Melbourne? Most lenders want a 20% deposit. On Melbourne’s median dwelli...
23/08/2026

Thinking about buying an investment property in Melbourne? Most lenders want a 20% deposit.

On Melbourne’s median dwelling value of $797,354 in July 2026, according to Cotality, that works out to roughly $159,000.

Property type makes a big difference. Melbourne’s median house value of $936,528 translates to a deposit of around $187,000, while the median unit value of $632,021 brings that figure down to around $126,000.

Some lenders may accept a smaller deposit, although lending criteria become more restrictive and lender’s mortgage insurance (LMI) will generally apply above 80% LVR.

The amount you actually need will depend on the property, your financial position and the lender you choose.

This post is general information only and does not constitute financial or tax advice. We recommend seeking advice from a qualified accountant and financial planner before making any decisions.



AXTON Finance can help you work through the numbers before you start looking, so you know what price range is realistic. Call 03 9939 7576 or email [email protected].

14/08/2026

Rentvesting is a strategy used by buyers to rent where you actually want to live while buying an investment property somewhere more affordable. It is a common option used as a way to build wealth over time.

Melbourne’s current market looks soft. Property values have dropped 2.8% over the past year, according to Cotality, with the median dwelling value now sitting at $797,354. For a rentvestor, that could be both good and bad news – it lowers the deposit hurdle and makes the entry point more accessible. But it might worry you about your long-term growth prospects.

Over the past decade, Melbourne dwelling values are up 29.5%. While Melbourne has been one of the weaker-performing capitals over that stretch, the fundamentals of the market haven’t changed. Victoria’s population continues to grow and new housing supply is constrained by high construction costs and project feasibility challenges, with pressures showing up across the country, not just Melbourne.

That combination of more people needing somewhere to live and a slower pipeline of new homes to house them in is the usual argument for property as a long-term asset, and it's still intact even though the price cycle itself has been moderate these past few years.

This post is general information only and does not constitute financial or tax advice. We recommend seeking advice from a qualified accountant and financial planner before making any decisions.



Thinking long-term about rentvesting in Melbourne? Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

The planning rules for building a granny flat in Melbourne have recently been simplified. If you are thinking about buil...
13/08/2026

The planning rules for building a granny flat in Melbourne have recently been simplified. If you are thinking about building one to generate rental income, the next question is how to fund the build. Here are the three main options.

1. Equity release from your existing home loan. If you have built up sufficient equity in your property, you may be able to access those funds through refinancing to cover the construction cost without needing a separate loan product. This keeps the borrowing consolidated.

2. Construction loan. Funds are released in progressive drawdowns as each stage of the build is completed, with interest charged only on the amount drawn at any given time. This can reduce holding costs during the build and suits homeowners who want to keep the granny flat finance separate from their primary mortgage.

3. A personal loan or line of credit. This can suit smaller builds, though interest rates are typically higher than secured lending. This option might work for homeowners who want a simpler, faster funding path without restructuring their existing home loan.

The right approach depends on your equity position, your existing loan structure, the estimated build cost and your broader financial goals.

This post is general information only and does not constitute financial or tax advice. We recommend seeking advice from a qualified accountant and financial planner before making any decisions.



Ready to understand your granny flat finance options? Speak to the team at AXTON Finance. Contact us on 03 9939 7576 or email [email protected].

Address

114 Auburn Road
Hawthorn, VIC
3122

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+61399397576

Website

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